time deposit can also be regarded as financial management. Although the annual interest rate is only about 3.5%, it is basically risk-free, so many people like to keep their money in the bank as a time deposit. After all, there are still some benefits.
wealth management products
wealth management products generally have a certain threshold, generally starting from 5, yuan, with an annualized rate of return of about 5%. Different types and different sizes of injected funds have different rates of return. Xiaobian himself will buy the guaranteed income, although it is much worse than the non-guaranteed floating income. After all, everyone's strength and psychological quality are different. How to choose specifically should suit their own situation!
Stock trading
The stock market has a high profit margin, but it is risky. It takes more time to learn the professional knowledge of stock trading and study various policies and investment targets.
funds
funds are divided into stock funds and monetary funds.
1. Equity fund: It is equivalent to giving money to a professional fund company to trade stocks for you, and the fund company charges a certain commission. It is not much different from the essence of direct stock trading.
2. Monetary fund: Generally, the annual rate of return is between 3.5% and 5%, with little risk and stable income.
precious metals
generally refer to gold and silver. Investment advantages: global continuous market, not manipulated, open and transparent, high risk, high income and short cycle of precious metals.
Savings-type commercial insurance
Although savings-type commercial insurance has a long insurance period and a low rate of return,
compared with bank deposits, its rate of return is still much higher, which is more cost-effective than savings, and it is the only choice for preparing pensions.
the property market
the property market is divided into residential and commercial real estate.
1. As a way of investment, residential real estate can be said that the investment amount is relatively large, the investment time is relatively long, and the investment income is relatively objective. However, due to the current policy regulation of the real estate market, real estate investment also has certain risks. Housing has been rising for more than ten years, and many cities have already had a big bubble, so some second-tier and third-and fourth-tier cities have no investment value.
2. Commercial real estate has gradually become the mainstream of investment in the property market.
P2P financial management
P2P financial management is a new financial management method, and its high-yield features have attracted the attention of countless investors.
However, due to the low entry threshold of this market, the controllability of investment risks is poor. In recent years, P2P online lending platforms have closed down or even run away one after another, so we should be cautious when choosing P2P platforms.
Internet financial products
Internet financial products such as Yu 'ebao, Licaitong and Baifa. Its essence is money fund. Because there is basically no threshold, the operation is simple, convenient and flexible, the risk is very small, and the income is higher than the bank time deposit. Therefore, sales are booming when it first rises.
financial management is a process for us to manage our financial resources reasonably in order to realize our own life, which runs through our whole life, not overnight. Simply put, it is "managing money", through three links: saving money, making money and protecting money. Talking about simplicity is actually a very complicated and grand project. Manage the present and future money, let it increase in value on the basis of maintaining the value, so that we can always have money to spend.