Everyone's income can basically be distinguished according to labor income and asset income. Most people's main source of income is labor income, that is, the basic labor remuneration obtained by working in a company. Asset returns require a certain amount of primitive capital accumulation. Invest labor income in the stock market, buy wealth management, buy funds and other income. It can be simply called asset income.
Stocks-Super-high-yield wealth management products
As long as you open an account in a brokerage firm, you can enter the stock market without preparing too much principal. Everyone has heard of the stimulation of stocks, so the investment should be controlled within 20% of the total assets. Stock trading is not suitable for financial novices, because the risk is a bit high, and systematic learning takes too much time and energy, but it is easy to be cheated if you don't understand it.
Fund-a financial product with safety, profitability and liquidity.
In order to ensure the safety of funds, the funds of the Fund are deposited in banks. Compared with the free investment in the stock market, the high risk, convenience, stability and special management of funds are obviously more favored by people. Since the fund 10 yuan, the price is very close to the people, and the investment varieties will not be concentrated on one variety, so the risk is very low. The most popular characteristics of funds are convenient redemption, strong liquidity and flexible money.
Most people do not choose funds, resulting in low returns. If you want to get a long-term return, you can follow the example of the investment god who has created the myth of income many times: the income is limited! Click to participate in the fund training camp, and the high-yield fund has flowed out. Speed and investment income can reach 15%!
National debt-a financial product with low threshold, high security and poor liquidity.
National debt has many advantages. First, you can buy it as long as 100 yuan. National debt is not only safe, but also issued by the state. It can also bring about 4% annual income. However, a handling fee of 0. 1% is required for the withdrawal of national debt. Therefore, as a long-term investment, national debt is generally not recommended to be redeemed in advance.
In short, the best financial product is the fund. Ordinary people generally have three disadvantages in the investment process: unprofessional, lack of time and insufficient money. If you invest in a powerful fund, you can solve these problems satisfactorily.