In fact, it's all risky.

In the case of bank deposits, people are more afraid of inflation. For example, the previous CPI was 8%, and the bank's one-year interest rate was 4.14%, which means that the money has depreciated.

In the case of bonds, they are generally held for a longer period of 3 years and 5 years. For example, the annual interest of Poly bonds for 5 years is 7%, and no personal interest is charged for the fifth year.

Insurance: Insurance is also a product to preserve and increase value. The most important function of insurance is to protect it. In case of serious illness or accident, it is to exchange small money for big money. If you buy old-age insurance, it is to deposit the principal and get interest like a deposit. But if we go to the bank, it is estimated that many people can't deposit the principal and get interest. Maybe after a while, the principal will all be withdrawn. But the risk of insurance is that if you are short of money for a while, you will lose money if you can't pay the insurance premium or surrender in the middle.

funds: if the market goes up, you can naturally make a lot of money, but if the market is not good, you will also lose money. For example, people who buy funds are losing money now. Many people say that if you deposit the money in the bank, you can still get interest, but if you buy the fund, you will still lose money. This is the risk of the fund. Although many people say that money market funds are only a little higher than the interest of bank demand deposits, I might as well deposit them in the bank on a regular basis.

Banks, securities and insurance are the three financial giants, but each has its own characteristics and risks. Don't put your eggs in the same basket, you can diversify your investment.

You can deposit 25%-35% of your salary in the bank, some in the bank for one year, some in the bank for half a year, and some in the bank for 15%. In case of any urgent need, you can buy 1% insurance and 1% fund. Of course, you can also participate in the fixed investment of the fund at 1-5 yuan every month, but you must make long-term preparations. This part of the money may not be used for 1 years, and of course, you can also take some money as stocks. The rest may need change.

But you don't earn much money just after graduation. If you don't necessarily have the money to do other things, you should start by depositing in the bank, and then if you have the ability, you should buy yourself a guaranteed insurance first, and then participate in investment or something.