1, bank time deposit
Danger degree: 1.
The yield is 2%~3%. Generally speaking, it is very safe to deposit money in the bank regularly. Therefore, the risk level of bank time deposits ranks first among many wealth management products, with the highest safety performance. And there is basically no risk of loss when the money is deposited in the bank.
2. National debt
Hazard degree: 1.5.
In a word, if you lend money to the state and the China government issues it, the income is generally slightly higher than that of the bank, and it is guaranteed by the state, so the risk is low and the safety performance is very high, unless the China government goes bankrupt, but the possibility is generally very small. When your deposit time is up, your principal and income will go into your pocket.
3. Monetary Fund
Danger degree: Grade II
Generally, money funds such as WeChat Bitong, Yu 'ebao, cash treasure and Xiaojinku have an annualized rate of return of 2%~3%, which is higher than bank deposits and can be withdrawn at any time, which is particularly convenient.
Step 4 trust
Danger level: Grade 4
Trust products require a higher threshold and have a principal requirement. Generally, it is more than 654.38+00,000 yuan, and the annual rate of return is about 654.38+00%. In terms of security, trust products cannot be guaranteed. Although the benefits are high, the risks are also high.
5. Equity funds
Danger level: level 5
Compared with money funds, bond funds and banks, stock funds have high risks and high returns. If the market is good and stock funds rise, then their income is higher than that of money funds, bond funds and banks. On the contrary, if it is falling, the income is lower than that of money funds, bond funds and banks, and the principal may be lost.
5. stocks
Danger level: level 6
Stock risk belongs to high risk and high return, and belongs to products that either earn a lot or lose a lot. The output is particularly unstable. Many people want to make a fortune through stock trading, but few can really do it.