The purchase of government bonds must be carried out during the issuance of government bonds. Generally speaking, you can buy savings bonds in the online banking or mobile banking of the national debt underwriting bank, or you can buy it in the business hall of the bank. If you want to maintain stability, buying government bonds is the safest and most stable choice.
As we all know, due to Yu 'ebao, the income of the money fund has dropped from 7% at the peak to below 3% now. Although the yield of money fund has declined, it is still a product with good liquidity and safety, but the yield is poor.
Structured deposits consist of basic income and floating income, which is linked to assets, such as the Shanghai Composite Index. When the Shanghai composite index reaches a certain point, it can get floating income. When the Shanghai Composite Index is below a certain point, there is no floating income, only basic income, and the interest rate of basic income is very low, so the product can be understood as a floating income product.
In the long run, the yield curve of the capital market is inclined to the upper right, which has been proved by historical data. For example, S&P, Dow Jones in the United States, and even after World War II, the oil crisis, 1989 crash, 9 1 1 time, etc. , failed to stop the stock index from rising. As long as they have enough patience and hold it for a long time, it will definitely exceed inflation.
At present, it can be said that national debt and bank deposits are risk-free. Other products are more or less risky, but low-risk products, such as capital-guaranteed structured deposits R 1-R2, are relatively safe, although theoretically risky.
Putting 20,000-50,000 yuan into Yu 'ebao or WeChat Finance can meet the family's consumption expenditure for three to six months. The annual rate of return is similar to that of two-year bank deposits, but the liquidity is compared with that of demand deposits.