Bank time deposits within 500,000 yuan are protected by national laws, and the principal and interest are guaranteed. Therefore, as long as the capital does not exceed 500,000, and you want to make a safe income, you can deposit it in the bank for interest. At present, the interest rate of bank time deposit is 2. 1% for one year, 3.2% for three years and 4. 1% for five years. Now affected by the epidemic, it may decline slightly, but it is basically the same.
02. Buy a one-year regular financial management. The current regular financial management is net worth, that is, there will be fluctuations in the short term, and it will basically reach the expected rate of return for a long time.
All the one-year regular wealth management I bought were purchased on Alipay, and now the general income is around 4.5%. One drawback of one-year regular financial management is that once you buy it, you don't need to redeem it in advance when it expires. 50 thousand cash, buy a one-year fixed fee.
The financial proposal is 65,438+0,000,65,438+0,000, which will expire at that time. If you want to use this money, you can withdraw it after termination and renewal as needed.
03. Buy bond funds. Pure bond fund refers to a fund in which more than 90% of the funds must purchase valuable assets such as government bonds and corporate bonds. The longer it is held, the more stable it is. Pure bond fund I'm buying Bosera credit bonds with good returns, code 050027.
Judging from the historical rate of return, basically as long as it reaches 30% for more than five years, the average annualized rate of return for the next year is 6%. Very suitable for long-term holding. However, although bond funds are stable, there will be fluctuations, and there will be negative returns when the market is not good. Don't worry too much about this, because in the long run, they can still achieve a yield of 6%.
Risk is directly proportional to reward. So how to balance the seesaw of risk and benefit? My suggestion is to pay attention to risk control, that is, it is better to get higher returns when the risk is relatively low, otherwise the gains will skyrocket and the wealth accumulation will sometimes go backwards.