The decline in the growth rate of bank deposits is definitely affected by many factors. Aside from other factors, it certainly has a lot to do with the change of China residents' financial management concept. After 20 15, China entered the era of low interest rate. Not only will there not be much interest on putting money in the bank, but even inflation will not win. This forces people to turn their attention to other financial management methods that can bring higher returns besides bank deposits. Therefore, unlike bank deposits, wealth management products have experienced explosive growth in the past two years. However, with the emergence of a large number of wealth management products, the difficulty in choosing has also become a problem for many people who want to do wealth management. For example, we have 654.38+10,000 yuan in hand. How to choose the right financial products?
Here we divide financial managers into conservative, steady and radical types to treat them differently.
1, conservative. If conservative, obviously the most important thing is the safety of the principal. For this kind of wealth managers, bank deposits, certificates of deposit, bank capital-guaranteed wealth management, capital-guaranteed funds and money funds are more suitable. Among these types of wealth management products, the yield of bank deposits is low, and there is a certain threshold for large deposit certificates.
Therefore, if you only have 6,543,800 yuan in hand, you can give priority to bank capital preservation financing, capital preservation fund and money fund, of which 70,000-80,000 yuan is used to buy bank capital preservation financing or capital preservation fund, and 20,000-30,000 yuan is used to buy money fund. Buying a money fund mainly depends on liquidity and can be taken out at any time. However, it should be noted that in the future, capital-guaranteed wealth management products will gradually withdraw from the market, and existing capital-guaranteed wealth management products will no longer be guaranteed after their expiration. Therefore, it is necessary to pay attention to the term of the purchased products and redeem them in time after the expiration. Judging from the average yield of 4% of this kind of financial management, the annual income of 65438+ 10,000 yuan is about 4,000 yuan.
2. robust. If it is steady, it belongs to both safety and income, and you can sacrifice a little safety for income. For this kind of wealth managers, you can choose bank wealth management, P2P wealth management, bond funds, trusts and so on with non-guaranteed floating income. If you want to allocate 654.38+ 10,000 yuan, more than 50,000 yuan will be used to buy bank wealth management, and the rest will be used to buy others, so it is better to buy them separately. The yield of bank financing can reach more than 5%, and the yield of P2P financing, bond funds and trusts can reach 6%-7%, so the annual income is about 5,500-6,000 yuan.
3. radical type. As a radical financial manager, the most important thing is obviously income. You can choose high-risk and high-yield investment products such as stocks, equity funds, hybrid funds, futures and options. Among these wealth management products, the capital risk is slightly lower, and the risks of stocks, futures and options are higher. Therefore, if you want to allocate 654.38+million yuan, you can use 50,000 of them to buy funds and the remaining 50,000 to buy other wealth management products. Calculated by the yield (or possible loss) of 10%-20% of such products, the annual income of 1-20,000 is110,000 as financial management.
Of course, the above combinations are not fixed and can be combined at will. For example, some funds can be used to buy guaranteed wealth management products, and some funds can be used to do high-risk and high-yield wealth management. In this case, we can pursue higher financial returns while ensuring the safety of part of the principal.