1, time deposit
Fixed deposit capital preservation means that the bank and the depositor agree on the term and interest rate in advance when depositing, and the interest rate will be higher than the bank's current demand for the same period. Generally speaking, the longer the term, the higher the interest rate.
2. Time deposit
Deposit certificates refer to large deposit certificates issued by banking deposit-taking financial institutions for individuals, non-financial industries, government organizations, etc. It has a certain term, generally divided into 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years. The longer the deadline, the more people expect it.
3. National debt
National debt is a creditor-debtor relationship formed by the state based on its credit and in accordance with the general principles of debt. It is basically zero risk to return the principal and pay interest when the national debt expires. Among them, the larger the purchase amount of national debt, the longer the term, and the higher its interest rate.
4. Fixed income wealth management products
Fixed-income wealth management products, that is, their expected income is locked in a certain range, and the risk is also small. Investors can purchase such products through banks, insurance companies or securities companies.
In order to pursue flexibility, investors can consider buying the following wealth management products:
1, fund
Investors can also use part of their own funds to buy funds or invest in funds to spread risks and exchange time for income. Generally speaking, T+ 1 can sell funds, which is more flexible.
2. Yu 'ebao
The funds deposited by investors in Yu 'ebao are generally used to buy some money funds, which is less risky and more stable, and also more convenient for investors' daily living expenses.
3. Demand deposit
Demand deposit is a bank deposit that depositors can deposit, withdraw and transfer money at any time without prior notice. It has high flexibility, but its interest rate is relatively low.
While pursuing income, investors may consider purchasing the following wealth management products:
1, stock
There are risks and benefits in stocks. When buying stocks, investors should try to choose those stocks with greater weight and better performance for long-term investment. At the same time, it is necessary to control the position reasonably, set the stop loss position and control the risk within a certain range.
2. Bank wealth management products
The income of bank wealth management products fluctuates with the trend of investment targets. Compared with bank deposits, the risk is greater and the income is higher. Investors should choose financial products that match their risk tolerance when purchasing bank financial products.