1.** Baby wealth management products such as Yu 'ebao and Coin Pass * *: These products are usually provided by large Internet companies or financial service companies, such as Alipay and WeChat. Users can deposit idle funds in it and get higher income than bank demand deposits.
2.** Monetary Fund * *: Monetary Fund is a fund product that invests in short-term money market instruments (such as government bonds, central bank bills, commercial bills, etc.). ) They are usually the first choice for many small investors because of their low risk and stable income.
3.**P2P online loan * *: P2P online loan is a loan mode that connects borrowers and investors through the Internet platform. Investors can diversify their investments in multiple borrowers to reduce risks. However, P2P online lending may have a high credit risk, and investors need to choose the platform carefully.
4.** Fixed investment * *: Fixed investment refers to investing in designated fund products at a fixed time and amount. This investment method can help investors diversify investment risks and reduce the impact of market fluctuations.
5.** Stock investment * *: Although stock investment is risky, small investors can get higher returns through in-depth research and reasonable investment strategies. Investors can choose to invest in blue chips or growth stocks with lower stock prices to reduce risks.
6.** Bond investment * *: Bond is a kind of fixed-income securities, and the issuer is usually the government, financial institutions or enterprises. The investment risk of bonds is relatively low and the income is stable. Investors can choose to invest in government bonds, financial bonds or corporate bonds.
7.** Gold investment * *: Gold is a traditional investment tool, which has the characteristics of maintaining value and resisting inflation. Small investors can invest by buying physical gold, paper gold or gold ETF.
It should be noted that each investment and wealth management product has its own characteristics and risks, and investors need to choose suitable products according to their risk tolerance, investment period and income demand. Before making an investment decision, please make sure that you fully understand the risk and return characteristics of related products and seek professional investment advice.