Investment and financial management can not only be carried out by investors with more funds, but also many financial management methods are suitable for investors with less funds. So what are the financial management methods suitable for small funds? Which ones are safer? The following is analyzed by Xi Cai Jun:

1, investment fund

Fund refers to a kind of wealth management product that gives the raised funds to a professional fund manager for management and operation.

(1) Monetary Fund

Investors with a small amount of funds can choose to invest in monetary funds, such as Yu 'ebao and Coin Pass, which are common in our daily life. They are all equivalent to investing in money funds, and they can also obtain stable income, which is highly liquid and convenient for daily living expenses.

(2) Fixed investment of the fund

Small investors suggest trading funds in a sound way, such as fixed investment. Fixed investment of funds refers to an investment method of investing a certain amount of money to buy funds at a fixed time, increasing the holding share and reducing the risk of holding positions through continuous buying, and exchanging time for income.

2. Convertible bonds

Convertible bond is a kind of bond issued by listed companies for financing, which has the dual attributes of bond and stock. Investors can buy convertible bonds when they are issued. The general winner is 1 1,000 yuan, and most convertible bonds will open higher on the first day of listing. The investment threshold of convertible bonds is relatively low, which is suitable for investors with less funds.

Step 3 invest in gold

Gold accumulation is a more suitable financial management method for small investors. It refers to the debt business that a bank opens a gold deposit account for individual customers and records that individual customers deposit a certain weight of gold in a certain period of time. Generally speaking, the threshold is low, from 1 gram, or from 100 yuan per month.

4. Bank deposits

Bank deposits are guaranteed capital and interest, which is relatively safe and suitable for investors with less funds. For example, there is no limit on the initial deposit amount of demand deposit, and the initial deposit amount of time deposit is generally 50 yuan, and the income is higher than that of demand deposit.

5. Bank wealth management products

The threshold of some bank wealth management products is also relatively low. For example, Chaochaobao, a subsidiary of China Merchants Bank, can be purchased at a little bit, and the upper limit is 50,000 yuan.

6. Reverse repurchase of national debt

The reverse repurchase of government bonds is essentially a short-term loan, and individuals lend their own funds through the government bond repurchase market to obtain fixed interest income. Transactions based on national debt are relatively safe. The investment threshold for reverse repurchase of government bonds is also relatively low, which is suitable for small-capital investors. The threshold is 1 0,000 yuan.