Yu 'ebao's money can cover 6- 12 months' living expenses. The emergence of Yu 'ebao has awakened people's financial awareness and is a breakthrough product. The money we don't usually use is put in the balance treasure as much as possible. The money from Yu 'ebao can already meet our living expenses for 6- 12 months. Investment and financial management are mainly based on financial situation, investment expectation and risk tolerance. The following information can be used for your reference:
1, unstable work. The balance treasure reserves the living expenses of 1 year or more. The more unstable the income, the more deposits the better.
2. Will there be large consumption such as buying a house, decorating and buying a car in the next five years? If there is, and the financial pressure is relatively high, reduce the investment ratio of the fund's fixed investment, and mainly invest in money funds such as Yu' ebao.
3. Poor health and old age. For people with high health risks, buying medical insurance is the best investment.
4, the risk tolerance is very low, can't bear the loss. Put all the balance treasures. The fixed investment of the fund will be a loss, which may last for one or two years, but in the long run, it can be expected to have an annualized rate of return of 8%- 12%. If you feel that money is not as good as Yu 'ebao as soon as you lose money, then this mentality itself is wrong. Both capital preservation and high returns, this kind of investment basically does not exist. The fixed investment of the fund means that time changes space. Investment 10 years or more can basically absorb the risks brought by market fluctuations. It is already a very cost-effective investment and wealth management product.