In order of risk:

* Time and demand deposits. I have an ID card, and I can go wherever I want.

* Bonds (I went to the bank with my ID card and asked when I had them)

* Insurance (prepare your child's and husband's identification, a copy of your current passbook, make a few random phone calls, and people are looking for you.

Pay attention to the interpretation of the terms, buy locally, because the insurance areas are quite different, and don't listen to things that are different all over the country.

If a company's outlets are all over the country, it may not be possible to handle them online. Try to buy them in big cities.

Because the rate is relatively low, mainly reflected in accidental medical treatment, it is very simple that the risk of the city is smaller than that of the county)

* * Fund (I have a valid certificate and go to the bank to buy it)

* * Trust (the threshold is high, pay attention to learning! Regardless of geographical restrictions, whether to pay the trust company first or sign the contract first.

It's no problem to make money later, but you should choose the right items and prepare a copy of your ID card, a copy of your household registration book and a money order.

* * Real estate (it's okay to buy a house, but we need to be cautious at present. Although the real estate has fallen, not all houses have lost money)

* * Other fixed income products (financial introductory products are available in many banks, ranging from a few days to a year. Pay attention to fixed income products.

Products do not represent zero risk, but similar products have low risk (mainly policy risk), and more than 70% are trust-issued products.

If you don't trust the government, don't manage your finances. Remember to bring your ID card, and you have to keep an eye on the bank.

Risk test questionnaire-formalism)

* * Gold (buy some physical gold bars and keep them. I won't say much about this, mainly with money! Remember never to buy precious metals in the bank.

There is a simple reason. Banks don't produce gold bars, but buy them from precious metal companies. To put it bluntly, it is a dealer who wants to buy a pawn.

Well-known gold shops can try any paper gold or spot gold to postpone trading, but I like it because I am greedy for money.

It is not very troublesome to realize physical gold. Since it is not a professional investment, don't be prude and speculate online.

Or gold bars: practical! )

* * * stock (not much to say, go to the securities company to take a photo, open an account, and cut the handling fee, just below one thousandth, don't be too.

Seriously, it's not easy for anyone to make money. As for what stock to buy, you have to weigh it carefully. What is gap, Man Cang, red,

If it's green, you can basically get started with a few transactions. )

***pe (private equity fund, many companies are selling private equity, and the funds raised mainly invest in the equity of unlisted companies, which is actually good.

The risk of pe project is not very big, so putting three stars here is mainly because the threshold of pe is very high, plus general

Customers don't understand, which is not something that ordinary banks can participate in)

* * * * There are high-risk futures, foreign exchange speculation, collections, lottery tickets, etc. Now there are many financial derivatives, such as fried ginger, fried garlic and fried mung beans. Small and medium-sized customers should not get involved easily, and wealth management products have their own rules. Only by understanding the rules and abiding by them, and distributing the risks reasonably, can we strive to maximize the benefits.

There is no expert in financial management, so don't trust any expert's comments! All fp, 100%!

It's just a more reasonable way to spend money within your power!