I. Bank interest/national debt
In addition to bank savings, you can also choose bank wealth management products. It has become an indisputable fact that the yield of bank wealth management products has declined. At present, the income of capital-guaranteed bank wealth management products in the market is generally around 3%, while non-capital-guaranteed products fluctuate between 4% and 4.5%, and there are only a handful of wealth management products with income above 5%.
Jucai believes that the biggest advantage of national debt is that as long as the bank does not close down, your 10 thousand yuan will get back all the principal and interest in ten years. It can be seen that even if you only put it in the bank and deposit it in different ways, the final income will be fifteen times different. If your base is enlarged, the absolute difference in income can be described as a world of difference.
The fixed annual interest rate of the bank is 2.75%. When you have 1 million, you can earn 27500 a year.
The five-year interest rate of national debt is 4. 17%, that is to say, if one million people buy national debt, the annual interest can be 4 1700, which is equivalent to a monthly income of 3,475 yuan!
Second, P2P/ Internet finance.
In terms of stability, P2P is actually risky and can't rank second, but because its interest algorithm is close to bank deposits, Jufu Bian Xiao puts it in the second place.
When the real estate bubble burst gradually, the stock market was not out of the doldrums. Investors are not satisfied with the interest rate of bank deposits that can't even beat the inflation rate, so they can try P2P financial management.
P2P is more characterized as an information intermediary service platform. Obviously, it is equivalent to an information intermediary, similar to a dating platform of a matchmaking agency. It provides opportunities for both parties in need to communicate, and then tries to match the two parties that are suitable for each other.
However, P2P is risky, and the platform should be strictly selected. Private lending is actually the same as p2p. Generally speaking, the annual interest rate of private lending will be around 10%. Now Internet finance is booming, and P2P is only a part of Internet finance. Internet finance also includes Alipay, Yu 'ebao, lufax and Jucai.
Three. Stocks/funds
The value of investment depends on your personal risk tolerance and professional ability. For example, if you have a strong analytical research ability, it may be more efficient for you to directly invest in stocks, but if your personality does not have the ability to execute disciplinary investment, it may be more valuable to leave it to the fund.
From the perspective of asset liquidity, equity funds have the characteristics of strong liquidity and high liquidity. Equity funds invest in stocks with excellent liquidity, with high asset quality and easy realization.
Jucai understands that when investing in stocks, you don't need to pay management fees, and you can invest according to your own preferences. However, before choosing stocks, you must have professional knowledge and be familiar with the whole stock market in order to obtain certain benefits.
If you choose investment fund wealth management products, it is both worry-free and labor-saving, and often you don't need to pay attention to it for a period of time after you choose it once. However, this investment method also has shortcomings, that is, it is difficult to choose a good fund manager.
Bian Xiao believes that the charm of stocks lies in long-term investment, and profits or dividends can be obtained through long-term growth, which can be counted as passive income. I remember hearing a joke about an old American lady. She usually likes to go to the supermarket. She will pay attention to which daily necessities sell better, and then buy its shares every month. After a few years, it is said that the market value has been considerable!
What does this example show? Explain that you should invest in funds and stocks for a long time, and also explain that if you decide to choose long-term investment, you can learn the real situation of some listed companies through your own channels. This is better than reading statements in some cases. Just buy it, there will be a reward in the end!