Should I choose bank financing or fund for 200,000?

In fact, this question varies from person to person, and each has its own advantages. The following is the editor's summary of the content related to choosing bank financing or funds for 200,000 yuan. Please see the text for details.

Generally speaking, bank financial products cannot promise to guarantee principal and interest, but compared with funds, the possibility of loss is lower, and the risks are different. The risk of buying funds is higher than that of bank financial products, and bank deposits,

As long as the deposits are from regular bank financial institutions, they are protected by deposit insurance, with 100% compensation within 500,000. They can be withdrawn in advance, but a part of the interest will be lost, so in terms of safety, the safety index of the bank is still very high.

However, low risk also means low returns. If you don’t want to lose your principal, a one-time fixed deposit of 200,000 in a bank for financial management is also a good choice.

Buying a fund cannot guarantee that the principal will not be lost, and there will be certain risks.

But there are different types of funds, and different types of funds have different risks and returns. If you want to protect your capital and make money, choose several low-risk and medium-low-risk funds, such as currency funds, bond funds, etc.

These funds basically do not involve investment in stock assets, have less volatility, are less likely to lose money, and generally have higher returns than bank deposits.

If you are pursuing high returns, it is recommended to choose some medium-risk or medium-high-risk funds for investment, such as some mixed funds, index funds, etc.

These funds have a certain proportion of equity assets, so the returns are higher than those of low-risk and medium-low-risk funds, but the risks are also higher.

Generally speaking, whether to choose bank financing or funds for 200,000 yuan depends on each person. First, you must position your own financial planning, and then choose bank financing or funds. Generally speaking, we must consider the safety, efficiency and effectiveness of financial management.

These three aspects are liquidity, and then manage finances according to your own needs.

If you are not sure when the money will be used, you have no extra spare money, and you may need money at any time, it is recommended to choose bank financing. Deposit 200,000 in the bank on a regular basis. Not only is the interest rate high, even if you withdraw it in advance, the interest will be calculated based on the period.

Interest rates on demand deposits are much higher.

If you have too much spare money and are pursuing high risks and high returns, you can choose to buy a fund with 200,000 yuan.

If you have some spare money and can bear some risks, it is recommended to use some of it for financial management in banks and some for buying funds.