Different from other types of open-end funds, money funds have the characteristics of high security, high liquidity, stable income and "quasi-savings". The money fund has been very popular in the past two years. Everyone is no stranger to Yu 'ebao and Licaitong. It is very convenient to get the money on the day of withdrawal.

Annualized interest rate: 2.5~4%.

Income: Take the principal of 10000 yuan as an example, the annual income of/kloc-0 is 250~400 yuan, and the average monthly income is 20.83~33.33 yuan.

bank deposit

The ways of bank deposit are: lump sum deposit and withdrawal, lump sum deposit and withdrawal, deposit and withdrawal, and lump sum withdrawal. Basically, the income is very low, but in view of the importance of family reserve funds, compulsory savings is still a good way. There are many options for investment period, from 3 months to 6 months, from 1 year to 5 years, which is more suitable for novice financial management.

Annualized interest rate: 1.5~2%.

Income: Take the principal 10000 yuan as an example, the six-month income is 75 ~ 100 yuan, and the average monthly income is 12.5 ~ 16.67 yuan.

national debt

After the tide of interest rate cuts comes, buying government bonds is a better choice, and the long-term investment risk is small. You can also buy it online now.

Interest rate: 4~4.5%.

Income: Take the principal of 654.38+00000 yuan as an example. 400 yuan earned three years, with an average monthly income of 33.33 yuan.

P2p online loan financing

P2p online lending has high income and low investment threshold, and has gradually become a public financial management tool. However, many mine disasters have been exposed in the past two years. When choosing a platform, we should not only pay attention to the benefits, but also take into account the security.

Interest rate: 8~ 15%.

Income: Take the principal of 10000 yuan as an example, the annual income of/kloc-0 is 800 ~ 1 500 yuan, and the average monthly income is 66.67~ 125 yuan.

Bank notes, insurance

The risk of bank bills and insurance financing is lower than that of p2p online lending, and the income is moderate. At present, some bank financial platforms have launched a series of financial management such as bills and insurance, but the investment cycle is relatively long.

Interest rate: 6~7%.

Income: Take the principal of 10000 yuan as an example. The annual income of/kloc-0 is 600~700 yuan, and the average monthly income is 50~58.33 yuan.

These financial management methods have their own advantages and disadvantages. Whether working-class people or people at different stages of life, they can allocate different assets according to their own income and expenditure, so that the existing funds can play the greatest role.