Bank time deposit is a traditional investment method, which means that depositors deposit funds in banks regularly and banks pay interest to depositors in return. The deposit period of bank time deposits is divided into one year, three years and five years, and the benchmark annual interest rates are 3%, 4.25% and 4.75% respectively. 654.38+00,000 yuan is saved for one year, three years and five years, and the interest is 30,000 yuan, 654.38+02.75 million yuan and 237,500 yuan respectively. Jiafeng Ruide financial planner said that bank savings deposits are relatively safe and almost risk-free, which is one of the reliable investment methods without losing money.
2. Monetary funds
Money funds are called "quasi-savings products", which mainly invest in short-term financial products with high security such as central bank bills and repurchase. Its advantage is that the principal is worry-free, the daily income is calculated, and the liquidity is second only to the bank's current savings. The expected rate of return is generally around 4%, and the investment threshold is low. You can invest 1 0,000 yuan. 654.38+00,000 yuan is saved for one year, and the due income is about 40,000 yuan. Although the income is low, the funds can be used at will. Jiafeng Ruide financial planner said that due to the high security of money funds, most of the current Internet baby wealth management products are money funds in nature, with a yield of around 4.5%, and you can also choose to invest.
3. National debt
National debt is recognized as the safest investment tool and a kind of government bond issued by the government to raise funds, with high credit. Jiafeng Reid financial planner, the national debt is divided into savings bonds, voucher-type national debt and book-entry national debt, among which voucher-type national debt is the most popular, generally divided into three-year and five-year periods, with almost zero risk and guaranteed income. 20 14-year certificate-based treasury bonds, 3-year coupon rate 5%; The 5-year coupon rate is 5.4 1%. If you buy a three-year period and a five-year period for 6.5438+0.000 yuan, the income will be 6.5438+0.5 million yuan and 270.5 million yuan respectively.
4. Fixed income wealth management products
Jiafeng Reid financial planner said: "Fixed income" means that the income is fixed, but not all fixed-income wealth management products guarantee the principal and income. Investors should look carefully. I suggest you refer to the historical redemption of products in recent years and try to choose historical 100% cash. For example, Yisheng Wealth Yishengbao of a financial institution has an annualized rate of return of 10% and an investment of 65,438+10,000. Looking up the financial data in recent four years, we have realized 65,438+000% cash. 1 year investment 1 10,000 yuan, if calculated according to the annualized rate of return of 12%, the maturity income is10.2 million yuan! At the same time, it also reminds investors that when purchasing wealth management products, they must choose according to their own wealth management needs and risk tolerance, and don't just stare at high returns.
654.38+100,000 yuan investment in wealth management can be used as the main investment method for investors who pursue stability, and can also be used as a variety of risk prevention in portfolio investment.