But you have to understand that the risks and benefits of any investment in wealth management products are directly proportional, which means that high returns are high risks.
Similar to bank deposits, the income is really low, but his principal is safe; Similar to speculation in futures, the returns are high, but the risks are also great.
Therefore, no matter what products you choose to invest in, you must make a comprehensive evaluation of risks and benefits. It is best to choose the investment that suits you, and don't blindly pursue high returns.
According to my personal experience and knowledge of investment and financial management, I will give you the following investment methods on the basis of comprehensively measuring the risks and benefits of investment and financial management.
1. Low risk and high return
Your 1 0,000 yuan investment in many products has been restricted, and some investment and wealth management products have a capital threshold. Therefore, we should consider multiple factors and give a low-risk and high-yield investment and financial management method.
(1) Choose to invest in government bonds. The threshold of national debt is very low, but national debt has timeliness. National debt is divided into long-term and short-term. You must choose the appropriate national debt according to your 1 ten thousand yuan. The annual yield of national debt is around 4%, which is higher than the interest rate of most bank time deposits. 400 yuan's annual interest income is 6,543,800 yuan.
(2) Choose to deposit the smart deposit in a private bank. The smart deposit of 1 1,000 yuan in a private bank may be your wisest low-risk and high-yield investment. There is no capital threshold requirement for smart deposits. 10000 yuan 1 year, and the annual interest rate reaches 4.50%. There is interest income from 450 yuan every year. The most important thing is that funds are highly liquid and can be withdrawn as they are deposited.
2. Medium risk and high return
You should know that this kind of investment and financial advice requires certain risks. This rate of return is not up to expectations, which may be lower or higher than expected.
(1) Choose to buy bank wealth management products. Of course, it is suggested that bank wealth management products can only buy wealth management products below R2 level, and those above R2 level belong to medium and high risk level, and the principal may be lost. The annual yield of bank wealth management products below R2 level is between 4% and 6%, especially the short-term risk wealth management products launched by major banks, with very high yield.
(2) Choose to buy trust wealth management products, as shown above. This is a wealth management product currently on sale by a trust company. The initial capital of this wealth management product is 300 yuan period, and the expected annual yield is as high as 6.5%. If you invest in this trust product 1 1,000 yuan, the expected return of 1 year is 698 yuan, which is equivalent to an annual rate of return of 7%. This is a medium-risk and high-yield investment.
3. High risk and high return
If you want to invest in 10000 with high risks and high returns, you should be prepared for losses. Maybe this 10000 yuan is gone, or 10000 yuan becomes1000 yuan. This is the investment characteristic of high risk and high return.
(1) stock picking, everyone is familiar with the stock market now. There are already10.50 billion investors in the A-share market, so investing in stocks is nothing new. The purpose of people who come in for stock trading is to make money, and the purpose is to make their principal roll bigger and bigger through their stock trading ability. If you have the ability to trade stocks, you can double your assets in 8 trading days. On the contrary, when you lose money, you only need four trading days to halve your assets, so whether you can make money in stock trading depends on your ability.
(2) Choosing to speculate in futures is more attractive and more difficult to operate than stock trading, and it belongs to the investment with the highest risk and the highest return in current financial investment. The futures market is a two-way transaction, with its own leverage and 24-hour trading. It is precisely because of these characteristics of futures that the risks and returns are multiplied. If 1 1,000 yuan chooses to speculate in futures investment, we must recognize this risk in advance.
Summarize and analyze
I have analyzed the risks and benefits of investment and financial management above, and made some investment and financial management suggestions according to the ratio of risks and benefits, which are generally divided into three categories: low risk and high return, medium risk and high return, and high risk and high return. In addition, I recommend two investment and financial management methods for your reference.