Investment and financial management is something that everyone should understand, but not everyone can understand. I understand that for Xiao Bai, who knows nothing about financial management, he still wants to make money and doesn't want to take risks. If you have to invest in a fund, the best choice is a money fund. This kind of structured deposit in the bank is the money fund, which is a very important part.

What is a money fund is that its main investment is some bank deposits there. According to their information, it's not called deposit, because the deposit you deposit is guaranteed capital and interest. However, it is stipulated in the contract that the money is deposited in the bank for low-risk investment. Banks can't use this money to make high-risk investments, such as stocks, and they must not be prudent investment banks. How much money they earn is a matter for the bank.

The balance treasure on Alipay belongs to this kind of money fund. When it first came out, the interest rate of the money fund itself was good. You can get 90 points for saving 1000 yuan. When you deposit more than one yuan, it can be said that this interest is almost the interest you deposit in the bank, but the time is getting more and more, and there has never been a problem with this fund. Everyone is willing to deposit money. He is not short of money.

If you want to get high returns, you have to take high risks, but these money funds usually don't have particularly high returns, which may be better than your time deposits in the four major banks, but they are not much better, because you don't want to take risks and you don't know professional knowledge, so you may make more money by investing in stocks, but you may lose money, so don't think about it if you can't afford risks.