1, bank "current" wealth management
I usually choose my usual bank card and choose "current" wealth management products that can be withdrawn at any time, such as China Merchants Bank's Super Treasure. The income will be slightly higher than that of Yu 'ebao, with simple operation and guaranteed liquidity. Although financial management does not guarantee the principal and income, this kind of financial management product is generally not problematic and can be purchased with confidence, which is very suitable for people like me who can only accept low-risk financial management products.
2. Make good use of long-term deposits
In fact, we should also classify our savings, which are used now, used in the future and used in the future. Long-term deposit is a sum of money to protect our future expenses, so it can be fixed for a longer period of time. Bank time deposits and wealth management products, the longer the time, the higher the interest rate, so I will use the share of long-term deposits for buying long-term time deposits or wealth management.
3. Fixed investment funds
I usually choose to use 10% of my monthly income for the fixed investment of the fund, which is not only a way of compulsory savings, but also a financial plan that is unlikely to lose money. When the market is good, fixed investment can help you have a sustained positive return, and when the market is bad, fixed investment can help you buy more stocks. Long-term investment can not only spread costs, but also reduce risks. Every year, my fixed investment fund will basically have thousands of benefits.
4. Improve the income of Yu 'ebao.
Teach you one of the simplest tips I have ever used to easily improve your financial income. Open Yu 'ebao, click Fund Replacement, replace products, and compare and choose products with higher annualized rate of return. Even if you don't know financial knowledge, you can easily improve your financial income.