Peer-to-peer online lending is a fixed-income asset management method with low threshold. The general investment is 100 yuan, and some platforms invest in 50 yuan. The rate of return is generally around 7%- 16%, which varies according to the amount of capital investment and the length of investment period. It should be noted that the P2P industry is crowded at present, so we must choose a reliable platform, investigate and understand more, and don't covet high returns.

Investing in asset management in spare time every month can not only force savings, but also bring no extra burden to the economy. Cultivating good asset management habits can not only reduce the pressure of life, but also provide more wealth costs for future life planning. It is suggested to use the P2P asset management platform-Bee Finance Network.

2. Insurance: provide protection for life and choose insurance according to your own situation.

Many young people think they are young and strong, far from illness and aging. In fact, young people should have a sense of security and make insurance plans reasonably according to their own conditions. How to choose insurance, it is suggested to buy according to your own situation in accident insurance, term life insurance and critical illness insurance. Among them, term life insurance is the cheapest among centralized life insurance.

3. Bank asset management products: high threshold, inflexible and relatively low risk.

There are many kinds of bank asset management products, including guaranteed fixed income, guaranteed floating income and non-guaranteed floating income. Asset management is dizzy when I see this. These technical terms are actually easy to understand, but only superficial understanding is enough. For asset management products that don't like research, you can buy the initial guaranteed fixed income. Generally speaking, the yield of this product is 4%-5%, and that of joint-stock banks is 5%-6%, but this year's assets.

Moreover, such products generally have a purchase period, ranging from 1 month to 1.5 years. Buyers can't quit if they need money halfway, and the purchase threshold is generally 50 thousand yuan.

4. Fixed investment fund: the threshold is low, and fixed investment is mandatory every month.

Fixed fund investment means that investors invest in pre-selected funds on a fixed date every month after deducting a fixed amount from the bank, and the risk is ironed out by time. Similar to our common zero deposit and lump-sum deposit, the fixed investment of the fund is a kind of asset management method, but it is more active, with the advantages of small threshold, less investment, risk diversification, stable income and many accumulation. It is more suitable for young people whose principal has not reached the threshold of bank asset management products, and the fund is mandatory.

5, stocks: risk-conscious, regular stop loss.

Young people must first realize that there are too many risks affecting the stock market, such as policy risks, blackbird incidents and information asymmetry risks. Always pay attention to risks and prevent and control risks.

The main way to prevent risks is to stop profit and stop loss and ensure that you do it yourself. There are definitely few stocks, so it is not recommended to borrow a lot of money to sell houses and sell stocks. After all, the risk of stocks is still too high for young people, but small fry can accumulate more investment experience for young people, understand the dynamics of this market and get in touch with this real society faster. Even if you lose money, you have to pay 2,000,500 tuition fees, which will not affect your future income.