bank deposit

Although the income from bank deposits is not high, it is safe.

Shit, it's suitable for those guys with low risk tolerance.

Guys.

At present, the annualized interest rate of time deposits in most banks is

About 2%, the longer the term, the higher the interest.

The previously shared 12 deposit certificate method or ladder deposit method is being proposed.

You can enjoy good liquidity at the same time of high income ~

The deposit interest of different banks may be different, but

Choose the one with high interest rate, but pay attention to avoid it.

Without deposit insurance, the sum of the principal and interest of a single deposit

Do not exceed 50w.

Monetary fund

Monetary fund is a relatively stable fund product, which mainly

Invest in short-term bonds, bills and other fixed-income assets.

Production and income are relatively stable, suitable for people who can take risks.

Sisters with lower strength.

Compared with bank deposits, money funds earn more.

High, but there are certain risks, the current year's money fund.

The yield is around 3%.

However, it should be noted that different money fund products

Risks and benefits are different, so it is recommended to choose a larger one.

Monetary fund products with stable performance.

You can refer to the 7-day annualized income and the 10,000-share income, and also have a look.

Trading rules, such as clearing rate and arrival time.

national debt

Divided into voucher treasury bonds and book-entry treasury bonds, there are three-year and

There are two types of five-year periods. If you want to buy it, you are advised to use your own 3-

Buy money you don't need in five years, or withdraw it in advance.

Interest will be deducted.

Vouchers can only be purchased online at bank outlets, and the interest is solid.

Set, almost no risk.

Bookkeeping can be purchased directly on the bank App.

It's more convenient, but the transaction price fluctuates according to the market interest rate, which can be

You can lose or you can earn.

But it is more difficult to grab and the liquidity is relatively low, and there are securities accounts.

Sister Hu suggested directly choosing the reverse repurchase of government bonds. 1000.

Yuan can be bought, and it can be taken as early as the third trading day.

bond funds

Bond fund is also a kind of fund, which mainly invests in bonds.

Fixed income assets such as bonds.

Compared with stocks, it has lower risks, but it also has benefits.

Relatively low, but higher than the money fund.

At present, the average annualized rate of return of domestic bond funds is in

About 4%-5%, although the income is not high, it is relatively stable.

Settings.

Bonds need to be carefully understood when choosing bond fund products.

Historical performance, risk rating and management fees of the fund.

The situation, as far as possible, choose a stable long-term income and higher than similar.

Class, large products.

Indexed securities investment fund

Index fund is a kind of passive fund, which is replicated.

Market index investment strategy to realize asset division

Diversified investment.

We all say that "the index is linked to the country", as long as

The country's economic situation is long-term, so is the index fund.

It can keep rising, and the long-term risk is not very high.

At present, the domestic index funds' income is also considerable, and their performance is mediocre.

The average annualized rate of return can reach 8%- 10%.

But in the screening of index funds, besides looking at performance,

The tracking error is also an important screening.

Conditions, if you are a novice, it is recommended to choose a small tracking error.

Yes, don't think too much about excess returns.

4 tips

. Choosing low-risk financial products can reduce risks, but it also

According to their own needs, risk tolerance and other factors.

make a choice

Different types of wealth management products will have risks and benefits.

Different, choose the right product and investment method.

Effectively reduce risks, and suggest novices to try and accumulate slowly.

experience

Even similar products will have many differences.

Selection of moderate scale, stable long-term performance and in the same category

topping

Don't ignore the transaction rate. Choose low cost financial management.

Products, avoid reducing income because of high cost.