I. Bank savings

For ordinary people, the bank demand deposit is positioned to meet the needs of daily life and can be kept small; Time deposits are aimed at people with extremely low risk tolerance, but we should also be prepared for a continuous decline in interest rates. In the long run, we can't outrun inflation, which means that funds are actually depreciating.

Two. Various bonds

The risk is close to zero and the return is not bad. Buy if you can, and forget it if you can't. In addition, the interest rate of national debt has been declining recently. Generally speaking, ordinary investors, especially low-risk investors, are not suitable for this market except grabbing a national debt, but for mature investors or institutional investors, this is another main battlefield.

Three. Monetary fund

Fund Monetary Fund is a fund company that pools idle funds in everyone's hands and invests them in some short-term monetary instruments, such as government bonds, central bank bills, bank time deposit certificates, short-term government bonds and agreement deposits. However, the funds of individual investors are generally small and cannot participate in this market.

Fourth, the capital preservation fund

Strictly speaking, the capital preservation fund should not be a low-risk investment fund, but because of its capital preservation characteristics, investors will not lose money at the end of the period (excluding subscription fees), and it is also a low-risk variety. The advantage of capital preservation fund lies in the possibility of obtaining high returns on the basis of ensuring the safety of principal. Commonly known as: advance can storm, retreat can stick to! Personally, if there is a sum of money that will not be used for a long time, the risk tolerance is extremely low, and you don't want the principal to be damaged, you can consider the capital preservation fund.

Verb (abbreviation of verb) insurance financing

In recent years, in order to occupy the market more quickly, the insurance industry has produced insurance products with investment effect through reasonable combination. This kind of insurance financing mainly includes dividend insurance, investment-linked insurance and universal insurance. Investors can not only enjoy the benefits of life insurance after purchase, but also earn some investment income for themselves. The products they invest in are usually configured by professionals of insurance companies, and their safety is relatively high.