1. National debt is a bond issued with national credit as guarantee, which is called "public debt" and has very high security. At present, major banks sell savings bonds on a commission basis, and the three-year savings bonds interest rate is 4%.
2. Deposits: The security of bank deposits is high, the deposit assets are guaranteed by insurance conditions, and the principal within 500,000 yuan can be fully guaranteed. At present, the one-year fixed deposit rate of most banks is around 2%, the three-year fixed deposit rate is around 3.5%, and the five-year fixed deposit rate is around 3.8%.
3. Monetary Fund: Monetary Fund invests in low-risk products such as interbank money market instruments and national debt, with low risk, and the general annualized income is 2%~3%. All kinds of "baby" products also belong to the money fund.
Steady investors can take a small amount of risks and get a relatively high rate of return. They can choose the following three options:
1. Structured deposit is an innovative deposit, which allows banks to buy financial derivatives, such as exchange rates and gold options, with a small amount of funds in the deposit, and obtain higher returns while ensuring deposit interest as much as possible. The expected yield of one-year time deposit is between 2% and 4%.
2. Regular wealth management products, such as bank regular wealth management, insurance regular wealth management, and brokerage collective asset management plans. Choose medium and low-risk regular financial management, with an annualized rate of return of 4.5%~5%.