1, savings bonds. You can buy it at the bank counter. 1 year, 3 years and 5 years are more common. The 3-year and 5-year demand yields are 5% and 5.4% respectively. Liquidity is acceptable and can be redeemed in advance. Generally, the shorter the holding period, the lower the corresponding rate of return, and there is a back-end handling fee of one thousandth. However, it still has obvious advantages over the clause that bank time deposits become current as long as they are redeemed in advance. The starting point of national debt is very low, 100 yuan is enough, and banks can subscribe over the counter.
2. Corporate bonds. Corporate bonds with a credit rating of AA+ and above are highly secure, but the reliability of capital preservation is certainly not as good as that of national debt. The yield of corporate bonds is generally 5%-8%, and the interest is paid once a year. The disadvantage is that the principal has the risk of fluctuation, and there is no capital preservation commitment for short-term holding, but the maturity holding can hedge the principal fluctuation. Of course, if you invest in a single corporate bond, you may face individual risks, such as the risk of a major change in the company's fundamentals leading to a decline in credit rating. Therefore, it is suggested to make a portfolio investment, and the term and variety can be combined. Corporate bonds are highly liquid and can be traded at T+0, that is, they can be sold immediately after buying. The minimum amount of corporate bonds is 65,438+00, and the amount is about 65,438+0,000 yuan. Individual investors need to open a securities account (commonly known as a stock account).
3. convertible bonds. Buying convertible bonds with higher rating at the guaranteed price of convertible bonds can achieve the effect of "capital preservation", that is, there is a guaranteed bottom under the income, but there is no cap on the top. The guaranteed price of convertible bonds = resale price at the end of the period+accrued interest, which is generally common in 106- 1 12. Of course, convertible bonds, as a kind of bonds, also have a credit rating, and bonds with low and medium ratings need to pay attention to the risk of default.
Convertible bonds are one of the few investment tools with huge profits under the premise of capital preservation, which can be focused on. Convertible bonds, like corporate bonds, are also T+0 transactions with the same starting amount as corporate bonds.
4. Capital preservation fund. Capital preservation funds publicly issued by fund companies. Strictly speaking, capital preservation here means that you only need to buy at the time of issuance to achieve the effect of capital preservation. Buying in the middle does not give the promise of capital preservation, but in fact, if the net value of the capital preservation fund in the middle is below 1 yuan, it is a good opportunity to intervene. Capital preservation funds generally operate in strict accordance with the principle of capital preservation, and the worst case when they finally expire is 1 yuan or more. The historical capital preservation fund is doing particularly well, with a yield of more than 40% a year, which is hard to meet. A major disadvantage of the capital preservation fund is that the handling fee is very high, the subscription fee is 1.5% (the subscription fee is generally around 1%), and the redemption fee is 2% within one year, so the liquidity is not particularly good and it is suitable for long-term holding (there is no redemption fee when holding).
5. Graded fund shares. Here, it mainly refers to the A share with downward protection clause. The safety of such products is equivalent to that of national debt, but the disadvantages are the same as those of corporate debt. Because of the existence of transactions, prices will fluctuate. Only through long-term holding can we clearly hedge the risk of price fluctuations. OTC graded fund A can generally be redeemed once every six months. If SDIC gives priority to Ruifu, T+ 1 market is highly liquid, but the selling price is uncertain. The rate of return of graded funds is roughly 4%-7%, and different funds are different.
6. Bank financing. Bank financing includes capital preservation financing and non-capital preservation financing. There is no doubt about the safety of capital preservation and financial management, especially in large commercial banks. Instead of capital preservation financing, the fixed-income capital preservation financing issued by state-owned banks is actually agreed to be capital preservation financing, and the risk of large joint-stock commercial banks is not great. The liquidity of wealth management products is relatively poor, and the term is often fixed, so it is impossible to quit. However, at present, commercial banks all develop loan products with their own bank's wealth management products as the pledge object to realize curve liquidity provision.
7.DIY capital preservation fund. In fact, we can make a portfolio with capital preservation by combining ourselves, and at the same time take capital preservation as the premise. For example, there are1150,000 funds, 100 three-year treasury bonds, and150,000 stock funds. Because the three-year cumulative yield of national debt is 6.5438+0.5 million, even if the stock funds all lose money, they can achieve the effect of 654.38+0.10.5 million. Of course, if you dynamically adjust the situation, in fact, your DIY portfolio can also get high returns according to the situation.
8. Bank deposits. Not demand deposits, but deposits of small and medium-sized banks after the marketization of deposit interest rates, which has a certain imagination. However, the development of things has its own laws. After the initial safety period, the interest rate of joint-stock banks will gradually enter the stage of risk accumulation. At that time, deposits will bid farewell to the risk-free era.
9. Monetary Fund. The money fund is famous for the birth of Yu 'ebao. At present, the domestic monetary fund market is around 300 billion, the largest of which is 30 billion in Huaxia currency, and the balance treasure has reached 20 billion in just a few months. There is no doubt about the security of the money fund and its liquidity is very good. Now some channels can already realize T+0 transactions. Generally, the initial investment amount is 1 1,000 yuan, and the balance treasure belongs to exotic flowers, and the amount below 1 1,000 yuan is also acceptable. The income of money funds is generally limited, and the rate of return is different every day. In the short term, it is mainly marketized by the supply and demand of market funds, and in the medium and long term, it is mainly marketized by factors such as the benchmark interest rate of the central bank.