This income level is indeed "poor", but "poor" is not a lifetime. Learning to invest and manage money may also help to "get rid of poverty". What is investment and financial management? The popular explanation is actually "Qian Shengqian". Nowadays, with people's living standards getting better and better, people have "divorced" from the single "savings model" and started to have the awareness of investment and financial management.
According to the Financial Trend Report of People in China in 2020, 78.5% of the people surveyed have gained income through investment. However, there are too many directions for investment. As an ordinary person, I don't know much about investment. How should I choose? Don't be afraid, professionals have summarized three "poor" financial management methods for everyone. The threshold is low and almost everyone can invest.
Time deposit, higher income.
The first is time deposit. It is the simplest and safest "Qian Shengqian" way to deposit money in the bank. For most people with average income, lump-sum time deposit is the best way to save money. Because the "threshold" of time deposit is very low, it can be fixed if it exceeds 50 yuan.
What's more, the interest rate of time deposit is higher than that of current deposit, and we can calculate it. Based on the latest deposit interest rate standard published by the central bank, if the depositor has a deposit of 6,000 yuan in the bank and the current annual interest rate is 0.35%, the total interest that the depositor can get after 1 year is 2 1 yuan.
Looking at time deposits, the annual interest rate of/kloc-0 is 1 .5%. After 1 year, the total interest that depositors can get is 90 yuan, which is much higher than the current interest rate. Moreover, the longer the term of time deposit, the higher the interest rate, which means the higher the interest that depositors can get.
Also calculated according to 6000 yuan, the total interest for 2 years is 252 yuan; The total interest for three years is 495 yuan. Therefore, if you have spare money, the more you save and the longer you save, the more interest you will get. Moreover, it is very convenient to deposit money regularly in mobile banking without going to the bank.
The threshold for buying funds is low and the flexibility is high.
Secondly, you can also buy funds. Compared with stocks, the "access" threshold of funds is relatively low, especially now that the Internet is very developed, you only need a mobile phone to buy funds, like the well-known Yu 'ebao, which is actually a kind of money fund.
At the same time, compared with stocks, funds have less "requirements" for investors. You only need to know some basic knowledge of funds to subscribe for funds, and then professional fund managers can take care of them. It is very "friendly" for some investors who don't know much about financial management.
In addition, the fund's rate of return is not low. Take Yu 'ebao as an example. On March 9, 20265438, the annualized rate of return of Yu 'ebao was 2. 175%. If the rate of return remains unchanged, it is also 6000 yuan, and the income of Yu 'ebao is 130.5 yuan.
Moreover, the rate of return of the money fund will change from time to time. Once the rate of return increases, the more income will be obtained. Of course, on the contrary, if the rate of return falls, we may also lose a small part. However, compared with stocks and futures, the risk of funds is already very small.
Another advantage is that the fund's funds are "flexible" and can basically be "taken as needed". Once you need money urgently, you can take it out at any time.
Low risk financial products
Finally, you can also buy some low-risk wealth management products. Because for people who don't understand investment and financial management, many financial management methods are very risky. Even "senior" investors who have been in the investment circle for more than ten years can't guarantee which financial products are risk-free.
Therefore, choosing low-risk financial products is most suitable for investing in "Xiaobai", such as national debt, which is issued by the state with high safety factor and high yield. Among them, the income of savings bonds is fixed. On March 10, 202 1 and 2 1 were officially issued in the form of savings bonds, with a total issue of 30 billion yuan.
The term of 1 and phase 2 is 3 years and 5 years respectively, and the annual income is 3.8% and 3.97% respectively. At the same time, its capital flexibility is also very high, and the handling fee for early redemption is 0. 1% of the principal, so it is very convenient to handle pledged loans with vouchers.
It is reported that savings bonds can be purchased in the bank, and the initial investment is only 100 yuan, which is suitable for most people. In addition, low-risk wealth management products also have some wealth management insurance, such as dividend insurance and universal insurance. , with the nature of insurance, can also get income, is also a good choice.
Therefore, everyone can choose how to invest and manage money according to their own situation. These three are for reference. If you really want to make money by investing, you still need to learn all kinds of knowledge. Investment is not the only way to get rid of poverty. Efforts to improve ourselves and self-worth can also bring us higher income.