Then there is no capital preservation, so remember to review the past investment performance of the fund when choosing. You should choose the one with little increase and little loss, which has been very stable. It can be put more appropriately. If the past performance is poor, don't buy it. That's a sinkhole.
Buying wealth management products is basically in banks, and most of the products launched by securities companies are private placements, which have higher requirements for investors.
The nature of insurance is not to buy a leaf. Think about it, even normal insurance tries its best not to lose money, and you still expect them to make a profit for you. You stare at the income, and they stare at your principal.
I answered a similar question on May 24th, and I want to answer it again, hoping it will help you.
First of all, you should be clear about the purpose of your financial management. The most important thing should be: maintaining value and fighting inflation; Value-added on the basis of maintaining value.
I feel that you are not very experienced in financial management, so I suggest the following:
Spare money is divided into two parts:
1, 50% of spare money is placed in the five major state-owned banks.
The five state-owned banks include China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications. It is very safe to put spare money in the five major state-owned banks.
It is suggested that some of this 50% spare money, such as half, be used to buy regular products. The interest rate of term products is relatively low, one-year term interest rate 1.75%, two-year term interest rate 2.25% and three-year term interest rate 2.75%, but the capital is guaranteed, so this part is completely safe.
The other part of this 50% spare money is used to buy wealth management products of five major state-owned banks, and the interest rate of wealth management products is higher than regular, reaching about 3%. However, wealth management products show some risks. In fact, this risk is not great, because they are the products of the five major state-owned banks, and they can basically be purchased with confidence.
2. 50% of the spare money is put in national joint-stock commercial banks to buy wealth management products.
National joint-stock commercial banks include China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and Bohai Bank.
Another 50% spare money is put in national joint-stock commercial banks, and it is recommended to buy bank wealth management products. The interest rate of their wealth management products is higher than that of the five major state-owned banks, generally around 4%. Of course, the risk is higher, but the risk is controllable. So far, no major risk events have occurred.
Indeed, there are more and more types of financial management, which is easy to be picky, mainly because caution may lead to financial fraud. Therefore, when choosing financial products, it is recommended to follow the following three principles:
First, the strength of the purchase channel.
At present, there are many channels to buy wealth management products, but they are nothing more than direct sales and consignment. For example, wealth management products launched by banks and insurance companies can be purchased directly at outlets and signed wealth management contracts. However, more people choose the third-party agency, that is, through the Internet financial platform, so we should pay special attention to the ability of purchasing channels, such as Alipay, WeChat, JD.COM and other powerful financial service platforms, which can be purchased with confidence, while many unknown or small financial platforms should be more cautious.
Second, beware of high-yield scams.
Financial management is to make money. Many illegal fund-raising will use people's greed to lure investors into falling for it, which requires us to keep a high degree of vigilance at all times. If it is the same rate of return, most people will definitely choose the formal platform. For example, a friend said that he has a project with an annual yield of 4%, which is basically the same as that of bank wealth management products. You will definitely choose to go directly to the bank for financial management, but if he says that the annual income of his project can reach 15%, you may be tempted.
Third, the principle of risk matching
Financial management should be tailored to suit your risk tolerance. According to the risk level, wealth management products can be divided into five risk levels: PR 1, PR2, PR3, PR4 and PR5, and the corresponding risk levels are very low, low, medium, high and high. If it is prudent financial management, it is recommended to choose PR 1 and PR2 financial assets, which generally include treasury bonds, structured deposits, money funds, regular financial management and other products, while partial stock funds, stocks and futures derivatives are all risky ways. If you are not careful, you will lose your money. Don't blindly follow suit.
It is not easy to make money. Financial management can make our money as high as possible, but the market is full of temptations and risks. If you choose the right products according to these three principles, you can generally achieve the expected goals.
At present, there are many kinds of wealth management products, including treasury bonds, bank deposits, bank wealth management, innovative cash management products, funds and so on. When it comes to how to choose, we must combine our actual situation and choose products that suit our risk tolerance.
First, the risk tolerance is low. If you decide to hold it for a long time and do not withdraw it in advance, you can choose fixed-income products with capital preservation, such as government bonds, bank time deposits and large deposit certificates.
National debt has the highest security. The initial purchase amount is 100 yuan, and the term includes three years and five years. At present, the three-year interest rate is 4% and the five-year interest rate is 4.27%. It can be withdrawn in advance after the issuance period, but the interest for a certain period should be deducted according to the holding time.
If you apply for bank deposits, it is recommended to choose small and medium-sized banks and private banks, and the interest rate will rise relatively high. For example, the five-year time deposit of Yilian Bank has an annual interest rate of 5.45%. 50 yuan, a one-time repayment of principal and interest. You can withdraw money in advance and calculate interest according to the file in advance. Holding for more than 3 years, the interest rate reached 5.45%.
If the funds exceed 200,000, you can also choose a large deposit certificate. Flexible term, including 1 month to 5 years * * *, a total of 9 varieties. The interest rate rises sharply, and the interest is paid in advance by the archives, which supports regular interest payment. For example, the interest rate of Ningxia Bank's large deposit certificate rises by 55% across the board, and it pays interest on a monthly basis for more than 3 years; Weizhong Bank has a 3-year certificate of deposit, with an annual interest rate of 4.262% and monthly interest payment.
Second, the risk tolerance is low, the deposit period is uncertain, and it may be withdrawn in advance at any time. You can choose innovative cash management products with capital preservation, such as "Zhongbangbao" and "Fuminbao".
Zhongbangbao Bank "Zhongbangbao, starting from RMB 65,438+000, with an annual interest rate of 4.8% for 30 days, 5.0% for 90 days and 5.2% for 65,438+080 days. You can subscribe for early withdrawal at any time through Jingdong Financial Platform, and the interest rate for early withdrawal is 4. 1%.
Fumin Bank "Fumin Bao" subscribes through the daily quota of Jingdong Financial Platform. 50 yuan deposit, held for 5 years, with an annual interest rate of 4.8%, can be withdrawn at any time. At present, the "early withdrawal rate" is 4.5%.
If it is determined that it will not be used in the short term, you can choose Fumin Bank "Fuxinbao, 50 yuan Investment". It is necessary to determine the agreed withdrawal date, agreed deposit period and agreed withdrawal interest rate when depositing. The agreed deposit period is at least 8 days, with an annual interest rate of 4.25% and a maximum of 88 days, with an annual interest rate of 4.7%.
Third, the risk tolerance is relatively high, and you can choose bank wealth management products, structured deposits and funds.
The Shuangjifeng wealth management products of Ningxia Bank will be put on sale in 50,000 days to 189 days, with an expected annualized rate of return of 4.9%.
Blue Ocean Bank has 878 structured deposits with an initial investment of 1 1,000 yuan. It is a floating income product with a capital preservation of 365 days, with an annualized rate of return of 2.25%-5.4%. The probability of achieving the highest income is high, but it is not guaranteed to achieve the highest income.
Fund risk is relatively high. For example, Warburg American Consumer Fund, which is sold through the financial platform of JD.com, has a yield of 16.09% since 10 yuan, and may also lose its principal.
The above products are for reference only. I hope you can choose the financial products that suit you.
More financial problems, welcome to communicate.
There are many financial products on the market now, such as certificates of deposit, bank financial products, bonds, funds, insurance, foreign exchange, gold and so on. Securities companies can buy stocks, brokerage wealth management products, etc. Network platform companies can purchase P2P online loans. So many wealth management products are really dazzling. If we want to sort out a clear clue, we must follow the national policy.
When choosing financial products, we should consider from several aspects. First of all, what are our financial needs? For example, if you plan to buy a car in three years, you will have 80,000 yuan in cash, and the down payment will need 6,543,800 yuan. You want to increase the value of 80,000 yuan to 65,438+10,000 yuan through financial management. To achieve this goal, the annualized rate of return needs to reach about 7.8%.
In addition, ordinary people value the annualized rate of return most. Different products have different yields, for example, the annualized yield of 3-year certificates of deposit is about 4.1%; The performance benchmark of wealth management products of net worth banks is currently around 4.6%; The expected rate of return of P2P online loans is mostly concentrated in 5% ~10%; The long-term annualized rate of return of hybrid funds is above 9% on average. In order to achieve the purpose of financial management, we need to choose financial products with higher yield than expected. For example, in the example of buying a car above, you need to invest in a wealth management product with an expected rate of return of more than 7.8% in order to get the full down payment on time.
Third, the risk of wealth management products. It is also often overlooked. Many people blindly pursue high-yield products in order to achieve financial goals, often ignoring the risks of these products. Look at the example above. If you only invest in certificates of deposit or bank wealth management products, it is impossible to increase the value of assets from 80,000 yuan to 65,438+10,000 yuan within three years. Investing in P2P online loans or hybrid funds may achieve the purpose of financial management, but it needs to bear higher risks. There are too many P2P online loan scams, and the final principal may not be recovered, let alone interest, so it is not recommended to manage money on the online loan platform. Hybrid funds mainly rely on the stock market for profit. For example, in a bear market, even a good fund manager may not be able to make money. Especially in China, a bear market may run for more than three years. If you can't afford the risk of capital loss or stock price fluctuation, don't invest in hybrid funds.
Finally, the stock market will be better this year. If you can take certain risks, I personally suggest that you can buy some hybrid funds, especially the 5g high-tech hybrid funds developed by the national strategy, which may have considerable benefits in the next few years.
Some financial projects may not be suitable for you! You have to decide whether you are radical or conservative! There are also projects I am interested in, such as bank deposits, funds, stocks, real estate, and regional chains, which are also very popular in the past two years!
You can learn how to manage money while looking for projects that suit you!
Needless to say, banks regularly!
Funds can now be bought in Alipay, and you can buy as few trainers as possible. Look at income and learn skills.
Funds are generally divided into debt-based funds and stock-based funds. Debt-based funds are creditor-based funds, which are relatively stable! Stock-based high-yield and high-risk!
Stocks need certain professional knowledge and time to learn! If you have a certain foundation, you can try.
My suggestion is that you don't have to spend too much time reading and studying to buy funds. More suitable for popularization, you can choose a combination of debt-based and stock-based to buy!
This is the fund I bought from Alipay! I have been holding the attitude of learning, investing less money, and I don't feel bad when I lose!
Don't talk about regional chain, it's too risky! You can settle it if you want to know!
This mainly depends on the individual's ability to take risks. Generally, there are three choices: first, those who are not afraid of risks can choose equity funds or directly invest in the stock market, and more importantly, they can buy financial derivatives, such as futures and options. The advantages are high returns and quick results, but the disadvantages are particularly high risks, and they may lose a lot if they do not do well; Second, risk-averse people can choose long-term large deposits in banks or buy money funds. The advantage is that it is much higher than the current interest of the bank, and it is safe, reliable and stable. The disadvantage is that the income is relatively low, generally not exceeding 5% annual interest rate; Third, the risk balancer can combine the above two investment methods, of course, the income and loss are smaller than the first one, and the safety and stability are also smaller than the second one.
This will vary from person to person.
Some financial projects may not be suitable for you! You have to decide whether you are radical or conservative! There are also projects I am interested in, such as bank deposits, funds, stocks, real estate, and regional chains, which are also very popular in the past two years!
You can learn how to manage money while looking for projects that suit you!
Needless to say, banks regularly!
Funds can now be bought in Alipay, and you can buy as few trainers as possible. Look at income and learn skills.
Funds are generally divided into debt-based funds and stock-based funds. Debt-based funds are creditor-based funds, which are relatively stable! Stock-based high-yield and high-risk!
Stocks need certain professional knowledge and time to learn! If you have a certain foundation, you can try.
My suggestion is that you don't have to spend too much time reading and studying to buy funds. More suitable for popularization, you can choose a combination of debt-based and stock-based to buy!
Treasury bonds and funds can be used.
Mainly depends on the individual's ability and willingness to take risks. I suggest that you can buy some funds through Alipay's Ant Wealth for the following reasons:
First, convenience. Now basically everyone has Alipay in their mobile phones, and it is used frequently. The funds in Yu 'ebao can be purchased directly. Second, the handling fee is low, and there are often activities of deducting red envelopes. The general fund subscription fee is 10% off, and the red envelope activities are large and small, ranging from a few to a dozen. Although the grasshopper is small, it is also meat; Third, holding funds can increase Alipay points and ant credit points. One point 150 yuan, monthly limit 1500 points.
Fund selection suggestion: two hybrid funds, choose the current hot stock market, such as science and technology, new energy, current infrastructure, 5G construction, etc. ; Two index funds, it is recommended that Shanghai and Shenzhen 300, SSE 50 or GEM;
Suggestions for increasing or decreasing positions: increase the position by one third every 10%, and increase the position by one third every 5%, and operate circularly.
Reasonable planning and scientific layout. This is the purpose of my financial management! First of all, I divided 3/7 of the funds into two parts. 3. As a reserve fund, keep it in the bank for a rainy day. 7 for investment and financial management.
For financial management, it is divided into 3/3/2/2. Three buy bank fixed-income wealth management, three buy government bonds, two buy index funds and two buy stocks.
Summary: This distribution ensures daily needs and can get good returns!