For example, Yu 'ebao invests in the money fund itself, but it is packaged by the money fund, and the income is lower than that of the money fund, so if you invest normally, you can choose a real money fund. The annualized rate of return is generally 2%~3%

Because the main investment targets are government bonds, corporate bonds and so on. Generally, there is a coupon income, and the risk of principal loss is not great. From the long-term historical trend, it is relatively stable within the controllable range, and the annualized rate of return generally accounts for 4%~5%.

At present, the proportion of some hybrid funds investing in stocks is relatively high, which is close to that of stock funds, so it is not recommended to consider it.

When choosing, you can focus on the proportion of stocks. Choose stocks that are not so high, mainly bond funds.

Such funds have higher returns than bond funds and lower risks than equity funds. General income can be 10%~ 15%.

The above-mentioned fund products are all low-risk and can be bought on Alipay, WeChat, fund websites and wealth management channels. It must be right to choose the one with higher income ranking.

However, there is a certain initial capital requirement, generally above 50,000. The annualized rate of return is around 3%~5%.

If there is no requirement for the flexibility of funds, you can choose insurance financing with a long time span. Generally, the income for more than one year is around 4%~5%.

I hope these suggestions can provide you with some reference.

Low-and medium-risk investments suitable for ordinary people are bank fixed-term and money funds.

The fixed interest rate of the bank is fixed, and the principal is not lost. You can choose a fixed interest rate for several years according to your actual situation. It is recommended to prepare some for five years, three years and one year to avoid being unable to withdraw money when it is used.

Although the money fund does not break the capital, it has never lost money in history. In fact, they are all guaranteed financial management. Compared with the bank's regular schedule, the rate of return of the money fund is dynamic, and the rate of return may not be as high as interest, but it can be taken at any time and sold only one day in advance. Yu 'ebao is the largest monetary fund.

Every day, we rack our brains to think about how to manage money and make money, trying to find a cash cow. We know that there are many ways to manage money, such as bank deposits, stocks, funds, futures, trusts, real estate, equity, oil, gold and other precious metals. Collecting them all has its own limitations. Not everyone has a ticket. Even with admission tickets, more people are disappointed. In addition to depositing in the bank, the most accessible financial management is the stock fund, which belongs to non-threshold financial management. Stocks are very risky. According to statistics, 10 people invest in stocks, seven lose money, two lose money, and only one makes money, which shows how difficult it is to make money in the stock market. The reality is that people keep pouring in. On the one hand, because there is no capital threshold for stocks, on the other hand, there will be demon stocks in the stock market, which will create wealth. Everyone wants to earn 10% a day, 100% a month and several times a year, just like others. Is there such a person? Few, but more, they leave at a loss, just temporarily, much like a casino. The fund gives money to professionals to invest in stocks. No matter whether you make money or lose money, you have to pay management fees, which is less volatile than stocks. Fixed investment in stocks is a relatively safe investment method. There are minimum thresholds for trusts and houses. Gold futures can be leveraged, and the principal will soon be gone. This kind of thing, oil, is now seriously politicized and is not suitable for ordinary investors to invest. None of the above investment methods is suitable for ordinary people and cannot meet the low and medium risks.

For ordinary people, the best investment is to study and exercise, improve their professional level and keep healthy. The average expert's return on investment will be maintained at around 30%, not to mention the average person. If we settle down in an industry, even the salary increase is possible, and once this is realized with long-term characteristics, if we can use our own skills to start a business, the income will be more considerable. Health is more important. When I was sick, I lost my income while spending money. A serious illness will drag a family into despair. While you are young, what you should do most is to learn skills, do more exercise, constantly improve your business ability and keep healthy.

national debt

fund

stock market

There are several types of investment styles, including radical investment, steady investment and conservative investment.

For ordinary people, medium and low risk investment also means medium and low income, so steady investment and conservative investment are more suitable.

Steady investment and conservative investment have the following points for reference:

First, buy bank wealth management products: China people have the habit of saving, but if they only save for a fixed term, the interest rate is relatively low. The bank wealth management products have relatively high savings interest under the condition of ensuring the safety of the principal. Now the one-year bank deposit rate is 1.5%, and the five-year bank deposit rate is 2.75%.

The yield of bank wealth management products is relatively higher. The bank's non-guaranteed floating wealth management products yield 4-5%, and the guaranteed wealth management products yield 3-4%. According to the bank's risk classification method, the bank wealth management products with the income of 4%-5% generally belong to R2 level, and most of them are bond products.

Second, buy insurance: insurance is a safety door for family property, especially when the investor's family encounters changes, insurance can protect the family and avoid property losses due to unexpected risks.

Third, buy ETFs in stocks: stocks are relatively risky investment varieties, but A-share index ETFs are relatively safe, especially in the economic upswing, and investment can enjoy the dividends brought by economic growth through ETFs. At the same time, the risk brought by stock selection is smaller.

When investing, we should also make good asset allocation.

That is, it maintains a certain rate of return and is relatively safe and risk-free.

Capital preservation and financial management, buy government bonds and deposit them in the bank.

Low-and medium-risk investment methods suitable for ordinary people are more suitable in banks, and wealth management products are also rich and diverse, such as Agricultural Bank, one of the four major state-owned banks:

Pay at any time when depositing or withdrawing money. From the first purchase of 1 ten thousand yuan, it will increase from one yuan. The 7-day annualized rate of return of 17 in May 2020 is 2.87%. Ten thousand yuan a day, with interest in 0.8 yuan. Less than 50,000 yuan per day, real-time arrival.

Fixed-term wealth management products. The product period is 1 day to 1080 days, and the initial investment amount is 5000 yuan. The expected annualized rate of return on May 7, 2020 is 1.35% to 4.4%. Divided into guaranteed floating income type and non-guaranteed floating income type. Open subscription during the subscription period, and the due Japanese gold and income will be automatically transferred back to the account, and cannot be redeemed in advance before the expiration; Closed subscription during the subscription period, product redemption during the open period.

Open non-guaranteed floating income product: "Peace of mind. Open for 8 periods every year, with the initial investment amount of 10000 yuan and the minimum product period of 360 days. The benchmark annual interest rate is 3.55%, and the interest due per ten thousand yuan is 355 yuan. The subscription period is from May 15 to May 25.

Closed product with capital preservation and floating income: Huilifeng structured deposit No.0768 in 2020, with initial deposit amount of 10000 yuan, product term of 184 days, and expected annualized rate of return of 1.55 to 3.05%. According to the annual interest rate of 3%, the interest due for 1 ten thousand yuan is 153.33 yuan. The subscription period is May 20021May 9 19. Buy at the end of each season, buy at the end of half a year, and buy at the end of the year, with high yield.

Other wealth management products include automatic wealth management, foreign currency wealth management, agricultural bank express e-treasure, account precious metal, physical precious metal, depository, bond market treasure, consignment fund and so on.

I wish you safe, steady and profitable, full of harvest, and grow with the headlines!

Financial management, fund fixed investment.

1, national debt

Generally speaking, buying government bonds refers to savings bonds and savings bonds, mainly including three-year and five-year periods, with a three-year period of 5% and a five-year period of 5.4 1%.

It is also divided into "electronic national debt" and "voucher national debt". The main difference between them lies in the way of interest payment: electronic government bonds pay interest every year, and voucher-type government bonds pay interest once at maturity. The interest rate of national debt is higher than that of bank deposits in the same period.

2. Bank wealth management products

Looking at bank wealth management products, the annualized income is 3%-6%. The term of bank wealth management products ranges from one year to seven days, which makes the investment more flexible and locks in the income. Whether it can be redeemed in advance depends on whether there is any relevant agreement in the agreement.

3. Monetary Fund

The yield of money funds is mostly concentrated in the range of 4%~6%, with more than 6% products and 1.5% products. Therefore, when buying money funds, you still need to choose carefully. In addition, its investment threshold is also low.

Banks can make regular investments, and funds can also make fixed investments.

For many ordinary beneficiaries of steady investment and financial management, there are still many low-risk investment methods in the market at present. One is the current ordinary stable investment income wealth management market, such as the rigid redemption wealth management deferred products, or the smart deposits of private banks, as well as the popular bank bonds and the ordinary series of wealth management of banks, which are all low-risk investments. The annualized rate of return is basically maintained in the range of 4% to 5%.

As for reducing the risk through time period or own technical investment, so as to realize low-risk and high-yield financial management, then one is the current fixed investment of funds, and the other is the current fixed investment of gold market, both of which can reduce the overall risk through their own high throwing and low sucking or technological advantages, and achieve the purpose of low risk and high income.

The rigid redemption and financial extension products mentioned above belong to the financial characteristic wealth management launched by private banks and local commercial banks, and will be extended for one year in 2020. Rigid redemption deferred products, that is, what we call bank financing with guaranteed capital and interest, broke the rigid redemption on 20 18 and began to gradually withdraw from the market. This year is the last extension. At present, the annualized rate of return of the products with delayed payment of financial services can basically be maintained in the range of 4.5%~5. 1%.

If it is a fixed investment market, in the fund market, it is recommended to give priority to the current index funds, especially the wide-value funds in the index funds. Its overall risk is basically within 10%, that is to say, it bears the principal loss of 10%. However, if the investment time period is lengthened, the target annualized rate of return with low interest and high throw can be stabilized at 10. Generally speaking, index funds have invested for more than three years, and the annualized rate of return is basically stable in the range of 10%~30%.