1. Bank deposit
Bank deposit can be said to be the most common financial product. Bank deposit has stable income, low risk and high safety, which conforms to the label of safe and reliable wealth management products. If there are one-year, three-year and five-year bank deposits, the longer the term, the higher the interest rate. You can choose terms according to your own situation.
2. Monetary Fund
Money funds are also stable in income, basically risk-free and highly secure. For example, Yu 'ebao, Bitong and JD.com are all money funds. The more you save, the more you earn.
3. National debt
The issuer of national debt is the country, so it has the highest credit and is recognized as the safest investment tool. Income is also relatively stable.
4. Time deposit
Banks' certificates of deposit have higher interest rates, lower risks and relatively stable returns than time deposits of the same term.
The above four financial management methods are mainly aimed at "safety and reliability". Investors with different risk tolerance will allocate wealth management products with different risks. If you pursue capital preservation and don't care about low returns, you can choose the above wealth management products. If you pursue high returns and can bear certain losses, you need to choose other financial products, such as stock funds, index funds, hybrid funds and stocks. However, high returns are accompanied by high risks, and investors need to be cautious when investing.
1. Financing method: You need to open a corresponding financing account to go to a bank or securities company for financing. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.
The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day. The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.
2. At the level of financial management, the first level is to handle and use money effectively and reasonably, so as to maximize the effect of one's money expenditure and meet the needs of daily life to the greatest extent. The second level is to invest the extra money to produce the best financial return, which is the level of Qian Shengqian. The third level is to plan life from the financial point of view, make use of the existing economic and financial conditions, maximize the value of their human resources, and prepare for future development.