At present, there are few deposits;

Low risk tolerance;

I hope I can't lose the principal.

Suggestion:

10000- 14000 yuan to buy the monetary fund;

The monthly balance of 2500 yuan is invested in the monetary fund;

Part of the year-end bonus balance is purchased from the monetary fund.

Because the money fund has strong liquidity, it does not allocate cash. In addition, you can buy suitable insurance products according to your own needs, which plays a guarantee role.

Reason:

At present, among all kinds of wealth management products, money funds are extremely safe and have a high rate of return, which is currently around 4.8% and will rise by the end of the year. The biggest feature of the money fund is its high liquidity, and it can be redeemed immediately when it is used. Some money funds have the function of T+0 redemption and timely arrival, which is more convenient than demand deposits and enjoys the benefits on a daily basis, unlike time deposits, which only bear interest.

Other products, such as bond funds and equity funds, all have the risk of principal loss. The principal of bank wealth management products is basically safe, but the yield is only about 5%, and the starting point is high, which must be 50,000 or 65,438+10,000. It is impossible to recover it as soon as it is closed, and the income will be diluted a few days before and after the issuance and redemption.

Other loans and online small loans are known as high returns and high security, but they still have certain risks and are not suitable for you.

Selection targets: Monetary funds of companies such as Nanfang, Bosera, Huaxia, Yifangda and China Merchants can all be selected, and the annual income difference is less than 0.3%, which has little impact.