10,000 yuan of spare money is neither too much nor too little.

Because for most financial products, 10,000 yuan is enough to try them once.

In particular, the proud bank financial products seem to have given everyone new hope after lowering the investment threshold.

So what is the best investment for 10,000 yuan of spare money?

Today I will teach you how to manage your spare money with 10,000 yuan.

1. Buy bank financial products. Bank financial products are usually issued by banks themselves or sold on an agency basis. The advantage is that products issued by banks are generally safer, but the disadvantage is that the expected return rate is lower.

But this is understandable. After all, many products are guaranteed by bank reputation. High security means low risk, and low risk means low expected return rate.

When the threshold for bank financial products is lowered to 10,000 yuan, you can use the money to buy financial products if you have 10,000 spare cash in hand.

After all, most people still trust banks more in their hearts.

2. Buy money fund products. In the fund market, money fund products are still the most stable expected rate of return, and they are far ahead of other funds in terms of asset size and profit scale.

Currency fund products are very popular among investors because of their low threshold, low risk, stable expected returns, and flexible trading. It can be said that everyone has at least been exposed to or invested in currency fund products these days.

When you have 10,000 yuan in hand to invest in currency fund products, the expected income of 10,000 yuan can range from 10,000 yuan per day, and the expected income can be checked every day. It is a very good way to invest spare money.

3. Buy bank deposit products. Bank baby products are off to a hot start this year, such as Fumin Bank Fuminbao, Zhongbang Bank Zhongbangbao, Blue Ocean Bank Blue Baby, Online Banking Dinghuobao, etc. Most banks are following the market.

has followed the footsteps of its own baby products.

Such products are usually called innovative bank deposits by banks and are protected by deposit insurance regulations.

The characteristics of this type of product are that the bank's reputation guarantees the safety of the principal, the expected rate of return is generally greater than that of money fund products, and the liquidity of funds is good. There is no need to pay any fees for long-term holding, while money fund products require a certain fee as a fund.

of the cost.

When investing 10,000 yuan of spare money, you need to grasp several key points, such as strong capital liquidity, high security, stable expected returns, etc.

Because 10,000 yuan is not a lot of spare cash, you must not invest in high-risk products with a go-for-broke mentality, or you may be cut off like a leek by accident.