I reiterate a point here that low risk does not mean low income! ! ! Like some answers in Yu 'ebao, writing such things is a waste of words. I really give you some investments that are basically risk-free but have good returns.
First, buy your own stocks. Yes, you are not mistaken, that is, buying stocks yourself. Some people say that you have calculated the various rates for buying this fund and that fund. It's really disgusting to meet an unreliable fund and have a PetroChina treasure. I tell you, just buy stocks with big blue chips and high dividends, such as Industrial and Commercial Bank of China and Yangtze Power, and the appropriate annualized rate is 5% to 7%. No wrangling, anyone with some common sense knows it's impossible. Moreover, buying stocks with high dividends also has a hidden dividend, that is, playing new shares. If you are lucky enough to play new shares, the appropriate 10 thousand is not much. When you encounter a fat ticket, it will cost tens of thousands of dollars, and the operation is simple. You can move your fingers. This is a profitable thing with almost no risk.
The second is the opportunity of the currency circle. Someone must say how risky that thing is. Bitcoin is deceptive. If someone still says that in 2020, I really doubt that you have a grudge against money. You ruined the money by your own imagination without coming in to have a look. It's also a gift.
Now I'll tell you a key point, any! ! ! Attention! ! ! Don't touch anything that can make you invest real money and buy any money! ! No matter how extravagant you talk, even if an African president comes to shake your hand in person, don't invest a dime.
Ordinary people still have many products to choose from in low-risk investment. I recommend several kinds for you.
For example, Yu 'ebao invests in the money fund itself, but it is packaged by the money fund, and the income is lower than that of the money fund, so if you invest normally, you can choose a real money fund. The annualized rate of return is generally 2%~3%
Because the main investment targets are government bonds, corporate bonds and so on. Generally, there is a coupon income, and the risk of principal loss is not great. From the long-term historical trend, it is relatively stable within the controllable range, and the annualized rate of return generally accounts for 4%~5%.
At present, the proportion of some hybrid funds investing in stocks is relatively high, which is close to that of stock funds, so it is not recommended to consider it.
When choosing, you can focus on the proportion of stocks. Choose stocks that are not so high, mainly bond funds.
Such funds have higher returns than bond funds and lower risks than equity funds. General income can be 10%~ 15%.
The above-mentioned fund products are all low-risk and can be bought on Alipay, WeChat, fund websites and wealth management channels. It must be right to choose the one with higher income ranking.
However, there is a certain initial capital requirement, generally above 50,000. The annualized rate of return is around 3%~5%.
If there is no requirement for the flexibility of funds, you can choose insurance financing with a long time span. Generally, the income for more than one year is around 4%~5%.
I hope these suggestions can provide you with some reference.
Low-and medium-risk investments suitable for ordinary people are bank fixed-term and money funds.
The fixed interest rate of the bank is fixed, and the principal is not lost. You can choose a fixed interest rate for several years according to your actual situation. It is recommended to prepare some for five years, three years and one year to avoid being unable to withdraw money when it is used.
Although the money fund does not break the capital, it has never lost money in history. In fact, they are all guaranteed financial management. Compared with the bank's regular schedule, the rate of return of the money fund is dynamic, and the rate of return may not be as high as interest, but it can be taken at any time and sold only one day in advance. Yu 'ebao is the largest monetary fund.
Every day, we rack our brains to think about how to manage money and make money, trying to find a cash cow. We know that there are many ways to manage money, such as bank deposits, stocks, funds, futures, trusts, real estate, stocks, oil, gold, other precious metals and collectibles ... they all have their own limitations. Not everyone has a ticket. Even with admission tickets, more people are disappointed. In addition to depositing in the bank, the most accessible financial management is the stock fund, which belongs to non-threshold financial management. Stocks are very risky. According to statistics, 10 people invest in stocks, seven lose money, two lose money, and only one makes money, which shows how difficult it is to make money in the stock market. The reality is that people keep pouring in. On the one hand, because there is no capital threshold for stocks, on the other hand, there will be demon stocks in the stock market, which will create wealth. Everyone wants to earn 10% a day, 100% a month and several times a year, just like others. Is there such a person? Few, but more, they leave at a loss, just temporarily, much like a casino. The fund gives money to professionals to invest in stocks. No matter whether you make money or lose money, you have to pay management fees, which is less volatile than stocks. Fixed investment in stocks is a relatively safe investment method. There are minimum thresholds for trusts and houses. Gold futures can be leveraged, and the principal will soon be gone. This kind of thing, oil, is now seriously politicized and is not suitable for ordinary investors to invest. None of the above investment methods is suitable for ordinary people and cannot meet the low and medium risks.
For ordinary people, the best investment is to study and exercise, improve their professional level and keep healthy. The average expert's return on investment will be maintained at around 30%, not to mention the average person. If we settle down in an industry, even the salary increase is possible, and once this is realized with long-term characteristics, if we can use our own skills to start a business, the income will be more considerable. Health is more important. When I was sick, I lost my income while spending money. A serious illness will drag a family into despair. While you are young, what you should do most is to learn skills, do more exercise, constantly improve your business ability and keep healthy.
There are several types of investment styles, including radical investment, steady investment and conservative investment.
For ordinary people, medium and low risk investment also means medium and low income, so steady investment and conservative investment are more suitable.
Steady investment and conservative investment have the following points for reference:
First, buy bank wealth management products: China people have the habit of saving, but if they only save for a fixed term, the interest rate is relatively low. The bank wealth management products have relatively high savings interest under the condition of ensuring the safety of the principal. Now the one-year bank deposit rate is 1.5%, and the five-year bank deposit rate is 2.75%.
The yield of bank wealth management products is relatively higher. The bank's non-guaranteed floating wealth management products yield 4-5%, and the guaranteed wealth management products yield 3-4%. According to the bank's risk classification method, the bank wealth management products with the income of 4%-5% generally belong to R2 level, and most of them are bond products.
Second, buy insurance: insurance is a safety door for family property, especially when the investor's family encounters changes, insurance can protect the family and avoid property losses due to unexpected risks.
Third, buy ETFs in stocks: stocks are relatively risky investment varieties, but A-share index ETFs are relatively safe, especially in the economic upswing, and investment can enjoy the dividends brought by economic growth through ETFs. At the same time, the risk brought by stock selection is smaller.
When investing, we should also do a good job in asset allocation, that is, maintain a certain rate of return, which is safer and risk-free.
1, national debt
Generally speaking, buying government bonds refers to savings bonds and savings bonds, mainly including three-year and five-year periods, with a three-year period of 5% and a five-year period of 5.4 1%.
It is also divided into "electronic national debt" and "voucher national debt". The main difference between them lies in the way of interest payment: electronic government bonds pay interest every year, and voucher-type government bonds pay interest once at maturity. The interest rate of national debt is higher than that of bank deposits in the same period.
2. Bank wealth management products
Looking at bank wealth management products, the annualized income is 3%-6%. The term of bank wealth management products ranges from one year to seven days, which makes the investment more flexible and locks in the income. Whether it can be redeemed in advance depends on whether there is any relevant agreement in the agreement.
3. Monetary Fund
The yield of money funds is mostly concentrated in the range of 4%~6%, with more than 6% products and 1.5% products. Therefore, when buying money funds, you still need to choose carefully. In addition, its investment threshold is also low.
Nowadays, there are various financial management projects, and the people who see them are dazzling. Repay the principal. I am most afraid of encountering "crude oil treasure". The principal is gone, and I have to pay others back! Buffett often says that he only invests in industries he can understand, especially us ordinary people!
1: Yu 'ebao, which refers not only to Yu 'ebao, Licaitong and WeChat, but also to JD.COM's coffers. The wealth management products launched by many large companies are monetary wealth management tools backed by big trees. Its advantages are flexibility and low risk. The disadvantage is that the annualized rate of return is also low, which can only preserve the value of funds. If you have tens of thousands of dollars as a family reserve fund, you can't say when you will use it. I suggest you buy these!
2. Currency+bond fund portfolio can be purchased in major wealth management apps. Some can achieve a maximum annual income of 4.8%, which is already very high in the middle and low risks. The advantage is still flexibility, but the disadvantage is that the income is not fixed and may not reach the expected goal!
Anyone can invest. Similarly, low-risk investment is suitable for anyone, whether we are ordinary people or rich people. So, what channels or products are suitable for our low-risk investment? Mainly look at the following three aspects.
First, let's see if we know about this channel or business activity. Buffett's investment principle is: if you don't invest in unfamiliar areas, then we will invest in the same areas. Only if you are familiar with this industry or product can we better control risks, then we are low-risk investment, otherwise we are lucky to gamble and become high-risk and low-return.
Secondly, see if you have enough funds available. Some people want to make money by speculating in stocks, buying on dips and buying on rallies, but because of their average technology, they bought all the stocks halfway up the mountain. As a result, the stock fell to the lowest point and there was no money to buy it. Until the stock rebounded halfway up the mountain, it fluctuated, while I was waiting for a big rise. This will cause the loss of funds, which is also the embodiment of high risk. If there is no available funds, then investment is a high-risk investment.
Finally, see how many investment channels you have. The fewer investment channels, the higher the risk. One of the biggest differences between ordinary people and the rich is the lack of channels. Therefore, in order to reduce investment risks, it is necessary to increase investment channels and choose the most suitable business activities or investment products.
Investment is risky, so you need to be cautious when entering the business, and you should have strategies on the investment road to control the risks.
Today, I will write three products with low risks but high potential returns.
Pure debt fund
All funds that invest in bonds are called pure debt funds. According to the maturity of bonds, pure debt funds are divided into short-term debt funds and long-term debt funds.
The bonds invested by the fund determine the performance of the fund. Before analyzing the debt base, everyone should understand a basic knowledge.
When the market interest rate falls, the bond price will rise; When the market interest rate rises, the bond price will fall.
The longer the remaining maturity, the greater the influence of market interest rate on bond prices.
Security:
Bond funds have two risks. First, the upward market interest rate leads to the decline of bond prices, and second, the bond defaults.
Long-term debt funds are greatly affected by market interest rates because of the long remaining maturity of bonds, and the potential risks are greater.
However, the short-term bond fund has a short remaining maturity, so it is less affected by the market interest rate and has less potential risk.
If the bond defaults, the principal used to purchase the bond and the interest originally promised may not be recovered.
Therefore, among the bonds invested by the Fund, the greater the proportion of bonds with high credit rating, the safer it is.
Generally speaking, as long as the fund has heavy positions in bonds with high credit rating, especially bonds such as national debt and CDB that will not default, the fund will be safer.
Liquidity:
Open-end funds are highly liquid and can be redeemed at any time; Closed-end funds have low liquidity, but if they have been listed and traded, they can be traded in the secondary market.
Income:
The overall performance of the debt base this year is very good.
Most long-term debt funds that have been established for more than 1 year have positive returns. Most of the funds that have performed in the top quarter in recent 1 year have earned more than 7% in recent 1 year, and the worst top quarter has also earned 6.73% in recent 1 year.
Short-term debt funds established more than 1 year have all achieved positive returns in the past 1 year. Harvest's ultra-short debt fund, which exploded this year, has achieved 6.42% income in the past 1 year.
Threshold:
1 yuan, equivalent to 0 threshold.
Channel:
Fund companies sell directly, banks sell on a commission basis, brokers sell on a commission basis, and third parties sell on a commission basis.
Reference article: "This product kills Yu 'ebao with a yield of 6.24%! 》
convertible security
Convertible bonds, as the name implies, are bonds that can be converted into ordinary shares.
Generally speaking, half a year after the issuance, we can convert bonds into stocks at the pre-agreed price (conversion price).
When the conversion price is lower than the stock market price, we can earn the difference by converting shares.
If the bond expires, the conversion price is still higher than the stock market price, and the conversion is not cost-effective, then you can always hold convertible bonds. Anyway, convertible bonds are still bonds, and there will be interest on them.
One more thing, if we take a fancy to a company's stock and don't want to rush into the market, if his family happens to have convertible bonds, we can also consider holding them.
Security:
Under the normal operation of the company issuing convertible bonds, convertible bonds have high security.
However, if the company issuing convertible bonds is not well managed, it may lead to bond default and the stock has no conversion value.
Liquidity:
Can be listed and traded, with strong liquidity.
Income:
If the company's share price rises, it can be converted into shares and then sold to earn the difference.
The market price of convertible bonds themselves will also fluctuate. If the price goes up, we can also sell them at a profit.
If you don't buy convertible bonds at a price higher than the face value, at worst, you can hold them until maturity and earn interest income without defaulting on the bonds.
The average annual interest rate of convertible bonds is almost around 1%, which is much lower than ordinary bonds.
Threshold:
1000 yuan.
Investment channels:
securities account
Brokerage income certificate
Brokerage income voucher is a financing tool for securities companies, which can raise funds publicly (approved by the CSRC) or issue them to specific users. Today, we only talk about public offering.
There are three kinds of products: guaranteed fixed income, guaranteed floating income and non-guaranteed floating income.
The first two are low-risk investments, which are endorsed by securities companies and guaranteed by their own funds.
Non-guaranteed floating income does not guarantee the safety of principal, and the asset risk coefficient associated with the product is high, which belongs to high-risk investment and is not discussed in today's article.
Guaranteed fixed income is not only the principal security, but also the income to investors as agreed.
Although the principal of non-guaranteed floating income is safe, the income will fluctuate according to the specific profit and loss situation.
Security:
If the securities company operates normally, it will guarantee the principal and income of fixed-income products for investors according to the prior agreement.
It will also ensure the principal security of the capital-guaranteed floating income products, and the income will depend on the specific profit and loss situation.
But once the securities company goes bankrupt, investors can't get their money back.
However, the possibility of the closure of leading brokers is very small, which can be said to be "too big to fail". At present, it seems that the purchase of income vouchers of such brokers will not be affected by the bankruptcy of brokers.
Liquidity:
Most of them are closed products, which cannot be withdrawn in advance before maturity, but the product term is within 1 month (inclusive), 1-3 months, 3-6 months, 6- 12 months, and 12 months or more.
Funds not used during the product closure period can be used for investment.
Income:
For fixed-income products with capital preservation, the income is fixed, so the income is not high, and the income is related to the term.
If the term exceeds one month, the annualized income can reach more than 3%, but within 1 year, the annualized income rarely exceeds 4%.
The expected income of the products with guaranteed capital and floating income is mostly between 0. 1%- 10%. How much you can get in the end depends on the performance of the product.
Threshold:
The threshold for capital-guaranteed products is generally 50,000, which is not high, but investors with less funds may not be able to participate.
Investment channels:
securities account
The above three kinds of low-risk investment products are for your reference in investment and financial management. I hope everyone will allocate carefully according to their own situation.
Since the topic is mentioned here: what are the low-and medium-risk investments suitable for ordinary people? So first of all, we need to know what this medium and low risk is.
In fact, wealth management products can be divided into five levels according to the risk level. From low to high, it is low risk (R 1), medium and low risk (R2), medium risk (R3), medium and high risk (R4) and high risk (R5). It is suitable for conservative, steady, balanced, enterprising and radical investors respectively. Of course, investors with higher risk tolerance can invest in financial products with lower risk rating, while investors with lower risk tolerance are not suitable for investing in financial products with higher risk rating, which is simply "backward compatibility".
Low-risk (R 1) wealth management products mainly include bank term, national debt, money fund, guaranteed income certificate, bond pledged reverse repurchase and low-risk wealth management products. , and low-risk (R2) wealth management products are national debt, financial debt, credit debt, ordinary bond funds, etc.
For most investors, it is more appropriate to choose convertible bonds, bond funds and brokerage income certificates.
The risk of pure debt fund mainly lies in the decline of bond price and bond default. Full daily bond price = net daily bond price+daily accrued expenses. Although the daily accruals will not change, market interest rate, credit risk and inflation will affect the daily net price. When the net price fluctuates negatively and exceeds the daily accrued amount, the net value will fall.
If the bond defaults, the principal and interest may not be recovered. Therefore, when choosing bond funds, it is best to choose bonds with high credit rating, such as national debt and CDB.
It is worth noting that bond funds also have liquidity considerations. Some bond funds are open-end funds with high liquidity and can be redeemed at any time. Some bond funds are fixed-term debt-based funds with low liquidity and can only be bought and sold at maturity.
Second, invest in convertible bonds, which are bonds that can be converted into ordinary shares. It is also a product suitable for ordinary investors. When the conversion price is lower than the stock price, you can convert shares and earn the difference. At the same time, the price of convertible bonds will fluctuate, and they can also be sold for profit when the price rises. If the conversion price is higher than the stock market price, you can choose not to convert shares, keep them and get back the principal and interest at maturity, but the annual interest rate of convertible bonds is lower than that of ordinary bonds.
The risk of investing in convertible bonds is that if the company issuing convertible bonds is not well managed, there may be bond defaults. If the share price does not rise all the time, it will not be worth the loss. Convertible bonds have strong liquidity, and the investment threshold is 1000 yuan.
Third, the investment brokerage income certificate, the brokerage income certificate is a financing tool for securities companies. There are three types: guaranteed fixed income, guaranteed floating income and non-guaranteed floating income. Among them, the guaranteed fixed income and the guaranteed floating income are low-risk investments, and as long as the securities company does not close down, it can get income.
It should be noted that most of these wealth management products are closed products with poor liquidity, which need to be kept for several months or even more than one year, and cannot be taken out during the period. Usually, the annualized income is around 3.5%, and the investment threshold starts at 50,000 yuan.
The above three are low-risk financial products, which can be used for your reference.
Suitable for ordinary people to invest in financial management, I use the fund to make a fixed investment myself. Invest in designated open-end funds with fixed time and fixed funds every month. General banks, fund companies and other trading institutions have such functions. Suitable for ordinary people to invest, as long as the selected fund has overall growth, the investment will get a relatively average return, without worrying about the choice of entering the market.
How is it calculated?