Reasonable investment methods for RMB 60,000 mainly include bank time deposits, fund management, stocks and financial products. Different investment methods have different risks and expected returns. The higher the expected return, the greater the risk.

We can simply divide the 60,000 yuan and then diversify the investments to spread the risks.

What are the reasonable investment methods for 60,000 yuan?

Which investment has higher returns?

For this issue, we have prepared relevant knowledge for reference.

1. What are the reasonable investment methods for 60,000 yuan?

There are many ways to invest and manage 60,000 yuan. Basically, all investment and financial management on the market are possible, except for large-denomination certificates of deposit from banks.

Because for us personally, the minimum deposit requirement for a bank's large-denomination certificate of deposit is 200,000 yuan. Different banks have different minimum deposit points. Some require 300,000 yuan to deposit, but the minimum deposit is always 200,000 yuan.

Reasonable investment methods of 60,000 yuan include the following: 1. Bank time deposit Depositing 60,000 yuan in a bank on a fixed-term basis is a prudent financial management method, because bank time deposits guarantee principal and interest, and the risk is very small.

If you want to deposit 60,000 yuan in a bank on a regular basis, you can choose some banks with higher time deposit interest rates. The time deposit interest rates of different banks are different. Generally speaking, the time deposit interest rates of small commercial banks are higher.

However, some people are afraid that small commercial banks are not safe. In fact, there is no need to worry too much. As long as it is a regular bank, time deposits are protected. Even if the bank fails, compensation will be compensated for less than 500,000.

But if it exceeds 500,000, then you need to consider risk factors.

2. Fund financial management The threshold for fund financial management is low. Many funds can be subscribed for one yuan on Alipay.

But we need to know that there are many types of funds, and the risks of different types of funds are different. For example: the risk of stock funds is relatively high, because the investment target of stock funds is a basket of stocks, and the proportion of stocks

More than 80%, the risk of bond funds or money funds is relatively small, because the investment targets of bond funds and money funds are mainly central bank bills and treasury bonds, commercial bank bills, corporate bonds, etc., and the risks of these products are relatively small

, so the risks of currency funds and bond funds are smaller.

Risk and return are corresponding. If the risk is small, the expected return will be smaller. If the risk is high, the expected return will be relatively high.

3. Stocks You can invest 60,000 yuan in stocks, but we must be aware that the risks of stocks are relatively high. If you buy a stock with 60,000 yuan, if you lose money, your principal may suffer a big loss.

If we diversify our investments and buy multiple stocks to hedge risks, but the cost increases and the principal is relatively small, it will be difficult to reasonably allocate 60,000 yuan.

4. Financial management products Generally speaking, financial management products mainly include bank financial management, securities dealer financial management and insurance financial management.

The risks of these financial products are relatively low and they are prudent.

It is also possible to use 60,000 yuan to purchase financial products.

Generally, the annualized interest rate is between 3% and 5%, mainly depending on the purchase time period.

The time cycle of securities companies and insurance financial management is relatively short, while the time cycle of bank financial management is relatively long.

There are also bonds, such as treasury bonds, convertible bonds, etc.

There are also gold, real estate, etc. you can choose to invest in, but different investment and financial management methods have different characteristics.

2. Which investment has higher returns?

Which investment has the highest expected return? If we only look at the expected return and not the risk, then of course the expected return on stocks is much higher than the expected return on several other investment methods.

But we can’t just look at the expected returns, we also need to consider risk factors. The risk tolerance of 60,000 yuan is low. It is relatively appropriate to invest as much as possible without losing the principal.

60,000 yuan can also be divided. You can use 30,000 yuan to deposit in the bank for fixed term, 10,000 yuan to buy funds, 10,000 yuan to buy financial products, and 10,000 yuan to buy stocks. This will increase

The liquidity of funds also disperses investment risks, and at the same time, returns are guaranteed to a certain extent. After all, half of the money is deposited regularly.