1, Yu 'ebao
Risk level: almost none.
Yield: low
Investment threshold: low
The seven-day annualized rate of Yu 'ebao is 2.4%, and 10000 yuan is put in Yu 'ebao, and the daily income is about 0.62 yuan.
I saw someone recommend Yu 'ebao to you downstairs, which is really suitable for most people. Yu 'ebao is essentially a monetary fund. The underlying products are mainly bank deposit certificates or interbank borrowing funds, which have high security and low risk, but the shortcomings are also obvious and the income is a bit low. However, there are other money funds with higher returns, but most of them will not exceed 3.5%.
2. Equity funds
Danger level: high.
Rate of return: unstable
Threshold: most of them are from 1 10,000 yuan.
Generally speaking, a fund means that you give money to professionals and let them take care of it for you. The target of Yu 'ebao, a monetary fund, is a bank deposit certificate. To put it bluntly, it is to invest money in the bank; The target of equity funds is the stock market, which is relatively risky. Moreover, the fund is a strong cycle investment product, and you may even buy it for several years with negative returns. The subscription and redemption of funds will charge subscription fees, subscription fees, redemption fees and other fees. Generally speaking, the rate is about 3-5%, and the basic light handling fee exceeds the yield of Yu 'ebao.
3. stocks
Danger level: high
Yield: 95% of people are negative.
Threshold: low
Needless to say, the stock market is risky. As the saying goes, "once you enter the stock market, it is as deep as the sea, and you are passers-by." For ordinary people, stocks are not a good thing, especially young people. Just like gambling, it is addictive. Losing money is a trivial matter, but it is a pity to waste a good time.
4. Trust funds
Danger level: medium.
Output: medium
Threshold: high, mostly 6.5438+0 million cases.
Trust funds are not suitable for you here, especially the threshold of 654.38+0 million, which makes most people stop. Coupled with the long term of trust funds, many of them are closed for 3-5 years, so trust funds have been called the exclusive products of a few rich people for a long time.
5.P2P financial management
Danger level: medium.
Output: medium to high
Threshold: low
There are few fixed-income financial products in domestic P2P financial management, and there are statistics in online loan houses. The average annual interest rate of the industry is between 8-9.2%, plus the threshold of 100 yuan, which is especially suitable for you.
Of course, I also invested a lot of money in online loans.
However, the p2p financial management industry has not been peaceful in the past two years, mainly due to the role of supervision. At present, the whole industry is in the clearing stage, and it will get better and better in the future. I feel that it is not a big problem to choose several head platforms, especially those that have been established for a long time. For example, everyone's loan, everyone's loan and everyone's wealth are basically old platforms for more than six years, which can be considered.
I hope these contents can help you.