If you have tens of thousands of spare money, you won't need it these years, such as the education funds saved for your children. The safest and most worry-free thing is to buy government bonds. Although the yield of government bonds is declining, the yield of three-year government bonds is 3.8% and that of five-year government bonds is 4. 17%, which is higher than that of bank time deposits in the same period. What's more, compared with other financial management methods, the risk of national debt is quite low, and there is basically no need to worry about losing money or running away.

Prompt: China's national debt will be issued on June 10, electronic savings bonds will be issued on August 10, and certificate-based national debt will be issued on September 10. Voucher bonds can only be purchased at the bank counter. If you want to buy a package of national debt on September 10, don't forget to queue up in advance on the day of purchase.

3. Fixed investment of the fund

The fixed investment of the fund has many advantages, which can not only force savings, but also bring certain benefits. However, it should be reminded that the key to the fixed investment of the fund lies in persistence. According to the seven-year cycle of the stock market, it is best to insist on fixed investment for more than seven years. If you fish for three days and dry the net for two days, you will withdraw when you see a loss, then don't vote.

Tip: The fixed investment of the fund can be purchased directly by logging into the fund company official website, at the bank counter or on the third-party fund platform. Generally speaking, official website, a fund company, has the lowest handling fee and the most complete variety of third-party fund platforms. You can choose the purchase method that suits you according to your own needs.

3. Buy bank wealth management products

Bank wealth management products are generally sold from 50 thousand, and the yield is not high. According to the monitoring data, the average expected rate of return of bank wealth management products in the last week was only 3.73%. Different banks have different yields on wealth management products. Generally speaking, city commercial banks >: joint-stock banks > four major state-owned banks. If you want to pursue high yield, you can consider joint-stock banks and city commercial banks.

Tip: Not all bank wealth management products are sold in banks. Be sure to find out before buying, and don't buy insurance in a muddle.

4.P2P financial management

This is a financial management method combined with the Internet. In recent years, P2P financial management is favored by young investors who are familiar with the Internet because of its low threshold and high income. Investors are advised to choose a strong P2P platform with a solid corporate background. On the one hand, it can ensure the security of the principal, on the other hand, it can enjoy the high income brought by P2P financial management. For example, at present, it provides users with one-stop comprehensive services for Internet investment, such as funds, insurance, securities and peer-to-peer lending, with a term ranging from 1-36 months and a reference annual rate of return of 9%- 12%, which is at a medium level in the industry.