Therefore, the fluctuation of the money lending fund is relatively small and the income is relatively stable. When we choose a monetary loan fund, we can look at the past income. In most cases, it is a positive return, but the return will not be too high.
Pure debt fund is a fund that invests 100% in securities. The target risk of bond investment is small and the income is very stable. However, compared with the monetary fund, the fluctuation is slightly larger, but overall it is still relatively stable. Money funds and pure debt funds do not invest in stocks, so the risk is small and the income is relatively stable.
What kind of investors are suitable for funds with relatively stable returns? Funds with relatively stable returns are suitable for stable investors and the risk level is very low. They just want to keep the principal. If the investment income of the project is relatively stable, the long-term investment fund can be considered, because the fund with relatively stable income does not have very big ups and downs, which means that the income will not be too high, but the long-term investment will gradually accumulate and earn more and more money.
However, it should be noted that funds with relatively stable returns are risky, in other words, there is a probability of loss. After the selection, sometimes we should pay attention to what is the dynamic of the fund, and most of them just watch it once a day. If the fund market situation is not good, it is necessary to take off the fund's stock stop loss in time.
Then, if investors can't bear all the risks and don't want to lose a penny, they can only consider the deposit period. At present, only the deposit period can be regarded as capital preservation and interest protection, and there will be no loss.
65438+100000 fixed deposit or wealth management? 65,438 438+ 10/00,000 fixed deposit, purchase and financial management is better, in fact, it depends on different situations. You can't simply say whether it's better to save or buy wealth management. Both have their own advantages and disadvantages. In fact, the most important issue in financial management is the estimation of income, risk and liquidity. We can simply compare these three levels, and then we will know which one suits us.
1, estimated income
As we all know, the expected income of bank certificates of deposit is stronger than financial management. Generally speaking, the annualized deposit term rate of financial institutions is about 2% a year, and it is about 3% if you buy wealth management. In the long run, the five-year bank deposit rate of financial institutions is around 3%, and the wealth management is around 4.5%. Therefore, whether it is short-term or long-term, the fixed interest rates of financial institutions and banks are not as strong as those of financial management.
2. Risk
The deposit period of commercial banks is to protect the principal and interest, in other words, the funds are not damaged and are quite safe. However, this is only for deposits within 500,000 yuan. If the deposit exceeds 500 thousand, the excess will not be guaranteed when the bank closes down, and the deposit insurance will only pay 500 thousand at most. China's management methods of commercial banks are very strict, and this situation is very rare in general, and only a few cases exist. In addition, deposits will also be affected by inflation. When the inflation rate exceeds the interest rate of bank deposits, the price of deposits will fall.
Financial management does not guarantee the principal and interest. Relatively speaking, financial management is risky and the annual interest rate is unstable. Some wealth management products will continue to lose money after they expire. However, some financial institutions have introduced capital preservation wealth management products. When purchasing wealth management, you must read the contents of the purchase agreement clearly. Generally speaking, the risk of financial management exceeds deposits.
3. Asset liquidity
In terms of liquidity, deposits can only be withdrawn when the term expires. If you take it early, the loan interest will be calculated according to the demand deposit, and the liquidity is poor. The liquidity of wealth management funds is relatively good, and there are many choices for new wealth management products, which should be used in different combinations according to their own funds.