1, expected return
The expected return of prudent financial management is low, with an annualized rate of about 4%, while the expected return of funds is higher than that of prudent financial management. Different types of funds have different expected returns. Some funds earn an annualized income of 20%, while others lose 20%. Generally speaking, the expected return of prudent financial management is less than that of funds.
2. Risk level
The risk of prudent financial management is low, which belongs to medium and low risk, but the risk of funds is higher than that of prudent financial management, and funds generally belong to medium and high risk.
3. The threshold of purchase
Generally speaking, the purchase threshold of prudent financial management is very high, such as large deposits, government bonds, reverse repurchase, time deposits, financial insurance and so on. Most of them have high thresholds. Generally speaking, a large deposit needs at least 200,000 yuan for an individual, and the starting point of financial insurance is very high. However, the entry threshold for funds is relatively low, and many funds can subscribe for one yuan.
4. Capital investment objectives
Most of the funds for prudent financial management are projects with stable income from project investment, but the funds are different. According to different investment directions, funds can be divided into money funds, bond funds, stock funds and other different types. The investment target of bond funds is mainly bond bonds, and the investment target of stock funds is mainly individual stocks.
5. Liquidity is different.
Most prudent financial management has a certain period of time, when the principal and interest are repaid, the liquidity of the intermediate links is poor. Funds can be divided into closed-end funds and open-end funds. In open-end funds, funds can be subscribed and withdrawn at any time, and some funds can be traded in the secondary market, so the liquidity of funds is better than that of sound financial management.
Steady financial management means that the risk is relatively low, the income fluctuation is relatively small, and the capital investment in wealth management products is relatively safe. Steady financial management is more suitable for steady investors with low risk level and conservative attitude towards risk.
According to different types of risk levels, investment and financial management can be divided into five types: cautious, steady, balanced, enterprising and enterprising. Among them, the low risk of prudent matching, moderate and low risk of robust matching, moderate and high risk of balanced matching, moderate and high risk of radical matching are R 1 to R5 respectively.
Which is more profitable? Relatively speaking, the expected income of the fund is much higher than that of sound financial management, because the risk level of the fund will be greater than that of sound financial management, and high income corresponds to high risk. Steady financial management is usually manifested in the word steady. Generally speaking, sound financial management focuses on safety. Steady financial management is actually relative.
Because different people have different attitudes towards risks, some people think that as long as assets can outperform the inflation rate, they can avoid falling prices. Some people think that the fund is also a relatively stable commodity. In fact, the money lending fund in the fund can be regarded as a new product of sound financial management. There are not only differences but also connections between sound financial management and funds.
Why can't a savings card save money? Situation 1: Destruction of the savings card itself
When the savings card itself is destroyed, it is said that it is demagnetized by magnetic force and the credit card is cracked. If you want to save money, you can go to the bank with your ID card and savings card to explain why, and then apply for a mobile phone card to save money.
Situation 2: The account is frozen due to suspected illegal acts.
When an account is suspected of violating the law, such as freezing by the public security organ or informing the people's court of its liabilities, the people's court also has the right to freeze the savings card, so the savings card cannot be bought or sold. If this happens, only go to the court or the public security organ to solve this problem can the savings card be carried out.
Situation 3: The bank card expires.
Savings cards also have some useful life, so it is impossible to save money. Let's see if his savings card has expired, or if the credit business is renewing it. When the financial institution expires or the credit business is upgraded, he will definitely save money. He can wait for the financial institution system to be updated, or continue to make a savings card, so that he can save money.
Situation 4: Loss reporting of savings card
When a savings card is lost, it will be temporarily frozen. At this time, you can't save money in the institution. Only after elimination and replacement can we save money. If you lose your savings card, you can use the savings card of another commercial bank to save money.
Situation 5: Incorrect payment password is entered three times.
Generally speaking, in bank deposits and withdrawals, three incorrect payment password accounts will be frozen. This is to prevent others from taking out your savings card and password settings to withdraw money. Therefore, if you forget your password and enter three wrong words, you can go to the bank to change your password with your ID number and savings card, so that it can be thawed.