The first type, conservative type
Conservative investors, the most important thing is to ensure the safety of the principal, you can choose three ways:
1. national debt: the security of national debt is very high. At present, major banks sell savings bonds on a commission basis, and the three-year savings bonds interest rate is 4%.
2. Deposits: The security of bank deposits is high, the deposit assets are guaranteed by insurance conditions, and the principal within 500,000 yuan can be fully guaranteed. At present, the one-year fixed deposit rate of most banks is around 2%, the three-year fixed deposit rate is around 3.5%, and the five-year fixed deposit rate is around 3.8%.
3. Monetary Fund: Monetary Fund invests in low-risk products such as interbank money market instruments and national debt, with low risk, and the general annualized income is 2%~3%. All kinds of "baby" products also belong to the money fund.
The second kind, robust type
Steady investors can take a small amount of risks and get a relatively high rate of return. They can choose the following three options:
1. Structured deposit is an innovative deposit, which allows banks to buy financial derivatives, such as exchange rates and gold options, with a small amount of funds in the deposit, and obtain higher returns while ensuring deposit interest as much as possible. The expected yield of one-year time deposit is between 2% and 4%.
2. Regular wealth management products, regular wealth management products, regular wealth management of banks, regular wealth management of insurance, and collective asset management plans of brokers. Choose medium and low-risk regular financial management, with an annualized rate of return of 4.5%~5%.
3. Bond funds, bonds themselves are relatively low-risk wealth management products, but if a single bond is unlucky, it may "step on thunder". Through bond funds, this risk can be dispersed and relatively stable returns can be obtained. The annualized rate of return of general bond funds is 3%~7%. When the stock market does not perform well, the bond market performs better and the yield is higher.