How many "poor people" are there in our country?

The National Bureau of Statistics once made statistics based on relevant data in 2019, which showed that the per capita annual income of more than 40% of households in my country is only 11,485 yuan. This means that there are nearly 610 million people in our country, and the average monthly income is only 957 yuan. Yuan.

Such an income level is indeed "poor", but "poverty" does not last forever. Learning investment and financial management may also help "get rid of poverty".

What is investment and financial management?

The popular explanation is that "money begets money". Nowadays, as people's living standards are getting better and better, people have already "broken away" from a single savings "model" and have begun to have the awareness of investment and financial management.

According to the "2020 Chinese Financial Management Trends Report", 78.5% of the surveyed people have obtained income through investment.

However, there are too many "directions" of investment. As ordinary people who don't know much about investment, how should we choose?

Don’t be afraid, professionals have summarized 3 financial management methods for “poor people”. The threshold is low and almost everyone can invest.

Fixed deposits have higher yields. The first is fixed deposits. Depositing money in a bank is the simplest and safest way to "make money". For the vast majority of people with ordinary incomes, fixed deposits with lump sum deposits and withdrawals are the best way to make money.

It is the best way to save money.

Because the "threshold" for time deposits is very low, you can make a time deposit if it exceeds 50 yuan.

Also, compared to current deposits, the interest rate of time deposits is higher. We can calculate it.

Based on the latest deposit interest rate standards announced by the central bank, if a depositor deposits 6,000 yuan in the bank and the current annual interest rate is 0.35%, then the total interest the depositor can get after one year is 21 yuan.

Looking at time deposits again, the one-year interest rate is 1.5%. The total interest that depositors can receive after one year is 90 yuan, which is much higher than the current interest rate. Moreover, the longer the time deposit period, the higher the interest rate, which is

This means that savers can get higher interest rates.

Similarly calculated based on 6,000 yuan, the total interest for a 2-year term is 252 yuan; and the total interest for a 3-year term is 495 yuan.

Therefore, if you have spare money in your hands, save more and keep it longer, the more interest you will get.

Moreover, you can make time deposits in mobile banking without having to go to the bank, which is very convenient.

Buying funds has low threshold and high flexibility. Secondly, we can also buy funds. Compared with stocks, the "access" threshold of funds is relatively low, especially now that the Internet is very developed and only a mobile phone is needed.

Buying a fund, like the well-known Yu'E Bao, is actually a currency fund.

At the same time, compared with stocks, funds do not have high "requirements" for investors. They only need to understand some basic fund knowledge before they can subscribe to the fund and then have it managed by professional fund managers. For some investors who do not know much about it,

It is very "friendly" for financial investors.

In addition, the return rate of the fund is not low. Take Yu'e Bao as an example. On March 19, 2021, the seven-day annualized return rate of Yu'e Bao was 2.175%. If it is assumed that the return rate does not change, then it is also 6,000 yuan.

, Yu’e Bao’s annual income is 130.5 yuan, which is higher than the interest rate of fixed deposit for one year.

Moreover, the rate of return of money funds will change all the time. Once the rate of return increases, the more income we will get; of course, if the rate of return drops, we may also lose a small part.

However, compared with stocks, futures, etc., the risk of funds is already very small.

Another advantage is that the funds of the fund are relatively "flexible" and can basically be "used and withdrawn at any time". Once the money is urgently needed, it can be withdrawn at any time.

Low-risk financial products Finally, you can also purchase some low-risk financial products.

Because for people who do not understand investment and financial management, many financial management methods are very risky. Even "senior" investors who have been in the investment circle for more than ten years cannot guarantee that any financial management product is risk-free.

Therefore, choosing low-risk financial management products is the most suitable investment for "newbies", such as treasury bond financial management, which is issued by the state, has a high safety factor and a low rate of return. Among them, the income of savings treasury bonds is fixed.

On March 10, the first and second tranches of 2021 savings bonds began to be officially issued, with a total issuance of two tranches of 30 billion yuan.

Among them, Phases 1 and 2 have terms of 3 years and 5 years respectively, with annual yields of 3.8% and 3.97% respectively.

At the same time, its capital flexibility is also very high. The handling fee for early redemption is 0.1% of the principal, and you can also apply for a pledge loan with a voucher, which is very convenient.

It is reported that savings bonds can be purchased at banks, and the starting amount is only 100 yuan, which is suitable for most people.