So, what are the options for sound financial management in 219? If you want to have an expected income of 5 yuan every month, how much money do you have to put in it?

what sound financial products are available in p>219?

1. national debt. There is no doubt about the soundness of the national debt, and there is no need to worry about the safety of funds, and there is no need to worry about losses as long as it is held at maturity. There are two kinds of bonds issued: book-entry bonds and voucher bonds. Book-entry bonds are divided into book-entry discounted bonds and book-entry interest-bearing bonds. Voucher bonds are also called savings bonds.

The expected rate of return of book-entry treasury bonds is relatively low, and the one-year expected rate of return is only 2.36%. According to this calculation, if you want to get the expected income of 5, yuan per month, you need to spend 2.54 million yuan to buy treasury bonds. Savings bonds's expected rate of return is relatively high. Last year's 3-year and 5-year savings bonds's expected rates of return were 4% and 4.27% respectively, and there should be no big difference this year. Based on this calculation, to get the expected income of 5, yuan per month, you only need to take out 1.5 million and 1.45 million respectively. However, it will not be released until March in savings bonds, and it will only be released once a month, which is more difficult to buy.

2. structured deposits. Structured deposit is also a wealth management product with no loss of principal and minimum income guarantee. However, the expected rate of return of structured deposits is high and low. Generally speaking, the expected rate of return is mostly between 3% and 5%. Although there are some expected rates of return above 6%, it is extremely rare, and this expected rate of return is not easy to achieve. If we look at the expected rate of return of most of these products, we need to spend 1.2-2 million yuan to buy structured deposits if we want to have an expected rate of return of 5, yuan per month.

3. Monetary Fund. Money fund is the most stable fund except capital preservation fund. After the capital preservation fund disappears or transforms, it is the first. Although the money fund doesn't promise to protect the capital, there is basically no need to worry about losing money, and the liquidity of the money fund is also very good. The only regret is that the expected rate of return is a little low, and the average expected rate of return is about 3.2%. Based on this expected rate of return, if you want to get 5, interest per month, you have to put at least 1.875 million yuan in it.

4. Short-term debt fund. Short-term debt funds also belong to a relatively stable kind of funds. Although the security and liquidity are a little worse than that of the money fund, its expected rate of return is much higher than that of the money fund. The general expected rate of return is between 4% and 6%. Based on this calculation, to generate an expected return of 5, yuan per month, you only need to put 1 million to 1.5 million yuan in it.

5. Smart deposit. Smart deposit in private banks is definitely an innovative variety of bank deposits. Its biggest feature is that it can be accessed flexibly, and it can be used as demand deposit on a regular basis, and at the same time it has higher interest than traditional time deposits. Take the one-year smart deposit as an example. The deposit interest rate is mostly between 4% and 5%. As long as you deposit 1.2 million to 1.5 million yuan in it, you can get 5, yuan of interest every month.

from the above financial products, it can be found that they are both stable financial products, and their expected returns are almost the same. Therefore, the specific choice depends mainly on which kind of financial management is more familiar to individuals or more convenient to purchase. As for the expected rate of return, there is no need to consider too much, just choose the best one after taking a fancy to a certain type of product.