1, deposit financing is the least risky, but the risk of deposit financing is small, and the income is also small. Because the income is not much, everyone habitually ignores it. This is an introduction to financial management. The general interest rate is above three, and the advantage is that the risk is basically zero.
2. Monetary wealth management products This wealth management product has little risk and the income is stronger than saving money. Financial products are a way of short-term financing for banks, which are more suitable for people who know a little about financial management.
3. There are many types of fund funds, including money funds, bond funds, mixed funds and stock funds. Generally speaking, money funds have the lowest risk, have never heard of losses, are highly liquid, can be redeemed anytime and anywhere, and earn 3-5 points annually. In addition, the income of equity funds is much higher, but the risk is gradually increasing. However, if you can persist in holding for a long time, the risk will generally not be too high.
4. There is a saying in stocks that risks and benefits coexist. If the income is high, you can usually earn several times a year, but the risk is also great, and some people may lose everything. Therefore, although the threshold for stocks is very low, the technical requirements are still very high. Before investing in stocks, it is suggested that ordinary investors must learn professional investment knowledge and skills. Generally speaking, before financing, we must evaluate the products and ourselves separately, and choose the appropriate financial products according to our risk tolerance. Remember: if you choose to invest in stocks or funds, short-term speculation is not recommended, and long-term value investment is the investment concept we should adhere to.
1. There is no authoritative ranking for financial management, but attention should be paid to income and safety. Wealth management products are a kind of wealth management products designed and issued by commercial banks and formal financial institutions, which invest the raised funds in relevant financial markets, purchase relevant financial products according to product contracts, and then distribute them to investors according to contracts.
2. Short-term wealth management products have appeared in the wealth management products market. In fact, these short-term wealth management products launched by banks are basically based on the original "seven-day notice deposit" of banks. Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.