Mode 1: bank time deposit

Features: low risk and low return.

Interest rates vary according to the length of time deposits. Generally, there are three months, six months, one year, three years and five years. You can choose according to the amount of spare money.

Method 2: Make money as a broker.

Features: No investment, stable income.

If you register as a broker of Jin Ming microdisk, you can make money by promoting microdisk. If you have friends who want to manage money, you can promote microdisk to them. According to the current average level, each customer can get 460 yuan's commission every month, and the income is stable for a long time.

Mode 3: Money Fund and Various Treasures

Features: no threshold, low risk, higher income than time deposit.

The money fund is deeply rooted in the hearts of the people because of the balance treasure, and then a large number of valuable products have emerged. At present, there are mainly Yu 'ebao, Baidu Revenue, Licaitong, China Unicom Wobaifu, JD.COM Mall Small Treasury and so on. At present, the income of this financial management method is higher than that of time deposit, and it is convenient and fast to withdraw.

Mode 4: Bank wealth management products

Features: low risk, higher income than time deposit.

Banks will launch wealth management products from time to time, but the threshold is generally 50,000,100,000, 200,000 or even higher. The investment time is generally three months, ranging from half a year. The annual interest rate of general income is below 4%, which is a guaranteed wealth management product; If the annual interest rate is above 5%, banks call it a non-guaranteed wealth management product, which is risky, but in the form of a good financial environment, the probability of non-guaranteed is also very low.

Mode 5: bonds and national debt

Features: low risk and low return.

The risk of national debt is the lowest. Generally speaking, it is to lend money to the country and pay you some interest after a period of time. Other bonds also depend on who the bondholder is. As long as the company does not close down, it will basically give you interest. Buying through the bank has relatively low risk and low income. The general annual interest rate is below 4%.

Mode 6: Stocks and Futures

Features: high risk and high return.

Stocks are ownership certificates issued by listed companies. Mainly according to the company's operating conditions. Non-professionals are not recommended to get involved. The stock market is risky, so it makes sense to be cautious when entering the market.

Mode 7: Fixed investment of the fund.

Features: high risk and high return.

Fund fixed investment in short, fixed investment on a regular basis. This is a long-term investment, and it is very important to choose a good fund. In addition, the date of each month can be changed and the amount can also be changed.

Mode 8: Credit

Features: high risk and high return.

At present, the threshold of credit products is above 6.5438+0 million, and many people will chip in to buy them through several people. The annual interest rate of income is generally above 8%.

Mode 9: P2P online lending

Features: high risk and high return.

Now there are many P2P loans on the Internet, such as Renren Loan and lufax. It is necessary to borrow money, and those who have the money to borrow it can do so through online intermediaries. This kind of online loan is relatively risky, but the income is also high. There are also many deceptive websites on the Internet, and they abscond with money, so we must take a good look at the credibility of the websites.