Whether to buy a house or deposit it in the bank is a very difficult problem. On the one hand, the real estate market has always been regarded as a relatively stable investment channel and can obtain higher returns; On the other hand, the deposit interest rate is relatively low, and inflation will also affect the actual purchasing power of deposits. Wang Jianlin once said: investment should be done according to one's ability, and decisions should be made according to one's actual situation.
If you have enough funds and a stable source of income, you can consider buying real estate at the right time as a long-term investment. However, it should be noted that there is a risk of cyclical fluctuations in the real estate market, so it is necessary to carefully choose lots and developers to avoid blindly following the trend or listening to rumors and causing losses.
If the funds are insufficient or the income is unstable, it is recommended to deposit the funds in the bank for savings or financial management. Although the interest rate is relatively low, it is still relatively safe compared with other investment channels. At the same time, we should also pay attention to risk control and choose reputable banks and wealth management products.
Common financial management methods and their introduction;
1. deposit: deposit funds in the bank to earn a certain interest income. The risk of deposit is low, but the yield is relatively low.
2. Bonds: purchase bonds issued by the government or enterprises to obtain fixed interest income. Bond risk is low, but the yield is relatively low.
3. Stocks: Buy stocks of listed companies and get dividends and capital gains. Stocks are risky, but the rate of return is relatively high.
4. Funds: purchase fund shares, and professional fund managers manage the portfolio to obtain capital gains and dividends. The risks and benefits of funds vary according to the types of funds.
5.P2P online lending: Borrowing or lending funds from other investors through the online platform to obtain certain interest income. P2P online lending is risky, so we need to pay attention to the platform's credit and risk control capabilities.
6. Insurance: purchase insurance products to obtain protection and investment income. The risk of insurance is low, but the return on investment is relatively low.