Retirees mainly consider their risks when purchasing pension financing, and pursue steady income on the basis of risks. Therefore, the pension can consider investing in the following wealth management products:
1, buy government bonds
National debt is a bond-debt relationship formed by the state based on its credit and raising funds from the society according to the general principle of debt, with zero risk.
2. Funds
You can also choose to buy some money funds, in which the money raised by money funds is invested in the money market, which is less risky and more flexible.
Or buy some bond funds. The funds raised by bond funds are mainly invested in the bond market. Compared with equity funds, the risk is lower and the income is relatively stable.
3. Deposit in Yu 'ebao
The funds deposited by investors in Yu 'ebao are generally used to buy some money funds, which is less risky and more stable, and also more convenient for investors' daily living expenses.
4. Fixed income wealth management products
Fixed-income wealth management products, the expected income is locked in a certain range, and the risk is small. Investors can purchase such products through banks, insurance companies or securities companies.
5. Time deposit
Time deposit is a deposit in which the term and interest rate are agreed between the bank and the depositor in advance, and the principal and interest are withdrawn after maturity, with relatively stable income and high security.
6. Reverse repurchase of national debt
The essence of national debt reverse repurchase is a short-term loan, in which individuals lend their own funds through the national debt repurchase market to obtain fixed interest income.