There are three reasons:
1. Don't put your eggs in the same basket. Regardless of the amount, it is a risk in itself to spend all the spare money on buying a product.
Although the interest in 2.300 yuan is not high, it is necessary to accumulate original funds every month. You can deposit 50 yuan, 100 yuan, but you must get into the habit of saving some money every month. In addition, 300 yuan is also the first step to help you accumulate funds. 300 yuan a month may not be much, but it is 3600 yuan a year, and it will be more than 1000 in three years. Every little makes a mickle.
3.200 yuan for fixed investment, it is recommended to choose stock funds or index funds with higher risks. Because you have the guarantee that 300 yuan will not lose money every month, the rest of 200 yuan can pursue higher risks and higher returns. I recommend Huaxia CSI 300, Yifangda Active Growth, Rongtong Shenzhen Stock Exchange 100, Yifangda Strategy No.2 and other products (I bought them myself, so I recommend them to you). However, it should be noted here that the starting point of general fund online direct sales and some banks' fixed investment is above 300, so you can go to the Agricultural Bank to make a fixed investment, or you can find out which fund companies and banks support 200 fixed investments.
Finally, talk about my current financial situation. I now take out 1 1,000 yuan from my salary every month for financial management, including one-year lump-sum deposit and withdrawal in 600 yuan and 1 1,000 yuan from 400 yuan Investment and Financing Shenzhen Stock Exchange. The term deposit and withdrawal shall last for 2 years, and the fixed investment of the fund shall last for 13 months. So far, everything looks good.