First of all, we can consider some long-term stable income investments, such as the fixed investment of the fund and the long-term holding of 500 yuan every month.
Another part of the deposit, you can buy paper gold, and the income is relatively considerable.
There is also a part of the deposit, which can be used to buy short-term wealth management products of banks, with short cycle and low risk.
Finally, the money that may be used at any time can be used to buy money funds, which can be purchased at any time and redeemed at any time. It is also more convenient and flexible to use money, and the income is higher than that of depositing in the bank.
The above wealth management products can be purchased directly from the bank. If online banking is opened, you can buy it directly online. You can ask at the counter!
It may be instructive to read some books on finance.
You can go and see.
1 Financial Bible, by Huang Peiyuan of Taiwan Province Province, Commercial Press;
② Lifelong Financial Planning, written by Wang Zaiquan, Peking University Publishing House;
3 "The Financial Management Course of the Babylonian Rich", translated by George klassen and Bill Lee, China Academy of Social Sciences Press;
4) 100% financial quotient, common sense and rules of personal wealth management, Sima Changchuan, China Archives Publishing House.
These books are easy to understand and have clear views, and they are also good introductory books for financial practitioners.
* At present, there are three most popular investment methods, namely:
To make long-term investments, large funds can be made in real estate, mineral resources and stocks. Small funds can be used for dividend insurance, etc. Advantages are relative stability and low risk, while disadvantages are: annual dividend, low profit and long cycle.
For mid-line investment, you can choose two kinds of funds: stocks and funds. Advantages are relatively mature stock market, developed securities companies and high returns. Disadvantages: high risk, long time period and great influence by external news. In the past two years, the economic development has been somewhat inflated, the stock market has been relatively depressed, and inexperienced investors have cautiously entered the market;
You can choose to make short-term investments: you can choose cash or futures. Advantages: the implementation of the margin system, you can make a small bet, and some can trade in two directions 24 hours a day. The daily profit is significant and the risk is small. More suitable for short-term office workers to invest. Disadvantages: spot market (spot now mainly refers to agricultural and sideline products, energy, non-ferrous metals and so on. ) is still developing, and not many people are involved. Although the government is now vigorously encouraging and promoting it, only those who are at the forefront of the investment field and have keen insight and rich experience can find a big bucket of gold. Most unprofessional investors know that the probability of making money from stocks is very small, but they still like traditional stock investment.
I hope I can help you! Hope to adopt!