I have been investing in stocks for a long time, so from my point of view, I will definitely not choose financial management or fixed deposit, because experience shows that financial management with guaranteed capital and interest is basically less than the annual rate of return of inflation of 7.5%, which is unnecessary for me! But for ordinary people, I think it's really good to do some financial management or deposit at the end of the year, because most banks are pulling deposits on the eve of the Spring Festival, and the incentives are relatively strong. You can consider it! !
At present, most time deposits are relatively safe, and most large rated deposits also have 50%-55% interest rate space. You can make appropriate choices through your own time and capital scale! ! At present, the highest fixed deposit interest on the market should be 5.45% for five years of Yilian Bank and Blue Ocean Bank, but many small partners said that they have no idea about these banks at all. Will it be unsafe? In fact, you don't have to worry at all, because bank deposits are insured, which means that your maximum compensation amount can be as high as 500 thousand yuan, which is quite safe for most financial managers! !
Of course, these products below 5.45% are almost all risk-free time deposit products! If you want to make some financial products with guaranteed interest, you can also choose some financial management, insurance and trust recommended by banks. Their annual interest rate may be greatly discounted and increased according to your capital scale and the time of fund management, and most of them can reach about 6.4%! Higher risk can be 7%-8%! Therefore, if you choose the safest financial management method, it must be 5.45% for five years or 3 years 1 year. If you choose financial management with guaranteed capital and no interest, you can choose about 6.4% financial management and trust! The key depends on how you choose!
Work hard for a year in order to earn more money.
Hard-earned wages, of course, choose a relatively safe investment method.
So it's a good choice to deposit money in the bank for financial management ~
There is no way for safety and income to be dominant at the same time. You can choose the following products according to your own situation.
At present, large and medium-sized banks are constantly introducing structured deposits. It is a guaranteed deposit product with a starting point of 50,000 and a low threshold.
The purchase period is 1 month, 3 months, 6 months, 1 year and so on.
Take one-year period as an example, the current rate of return is 3.88. In fact, the competitiveness is not low.
Now banks have their own financial management, with a one-year yield of 4.3%-4.5%. In fact, in terms of income, this time point is relatively high. So you can also buy it at the present time.
This year's income can be more or less. Those who earn more and save money can earn tens of thousands, hundreds of thousands or even hundreds of thousands a year. Those who earn less and can spend money may be only a few thousand dollars. So is it better to deposit in the bank or invest in financial management? It can be said that each has its own advantages and disadvantages.
There are many ways to deposit money in the bank, such as bank time deposit, bank wealth management, structured deposit and large deposit.
In the past year, in order to better absorb funds, banks raised interest rates. Many local banks and small banks can achieve interest rates of 3% or even higher in one year, 4.25% in three years and 5.5% in five years. Banks can regularly say that the safety factor is guaranteed and the rate of return is good. The only drawback is poor liquidity, and long-term idle funds can be put into banks regularly.
According to the risk level, bank financing is divided into five levels: PR 1 ~ PR5. The higher the level, the higher the expected rate of return, and of course the higher the risk. It is recommended to invest in products below PR2, with high safety factor and yield between 3.5% and 5%.
The yield of large deposits is relatively higher than that of time deposits, but there are many requirements for funds, and the threshold is relatively high, which is suitable for investors with high income and large balance. In addition, the risk of structured deposits is relatively low, and the principal can be guaranteed.
Then, in addition to depositing in the bank, you can also choose an online financial platform, and try to choose a well-known big platform, such as Alipay. Its regular financial management is also good. According to different closed periods, the yield is different, ranging from 3.6% to 5.2%. There are also funds, and the stock risk is relatively high.
Investment and financial management is the best as long as it suits you. Remember that high returns are always accompanied by high risks, and the two are in direct proportion.
Thank you for inviting me.
According to the past habit, before the Spring Festival every year, I will sort out a family balance sheet, sum up the gains and losses of investment and financial management in the past year against the plan at the beginning of the year, evaluate whether the goal has been achieved, and then set the goal for the coming year and make a compliant investment and financial management plan.
I intend to invest in different wealth management products according to the following scheme for the income obtained from 20 18.
First, select innovative cash management products from monetary funds and banks to manage daily reserves and liquidity funds.
The funds required for daily consumption are deposited in Alipay's Yu 'ebao, WeChat Bitong, Weizhong Bank's current+and ICBC Credit Suisse Bank Tianyi Express respectively, and the expected rate of return is about 3%.
At the same time, buy some bank deposit products with liquidity similar to demand deposits and yield greater than 4%, such as Fuminbao and JD.COM Wealth Management-Days Series.
The above product channels are not only used to store the reserve funds needed to meet the needs of six months' life, but also mainly used to manage liquidity funds to ensure the ability and efficiency of fund raising.
Second, choose bank wealth management products.
Choose financial products with a maturity of less than one year and an expected rate of return of more than 4.5-5%, such as smart deposits of Yilian Bank, revitalization deposits of Zhenxing Bank and Zhongbangbao of Zhongbang Bank.
The underlying assets of such products are bank time deposits, which can be withdrawn in advance in terms of liquidity. Banks also clearly stated that they are protected by the deposit insurance system and belong to relatively safe wealth management products.
Third, choose a five-year fixed deposit and plan the education fund.
In order to prepare children for college and further education, choose a five-year time deposit product. According to the future education expenditure plan, the monthly fixed deposit is adopted to ensure the living expenses and tuition fees of the university in the future. For example, the interest rate of five-year time deposit of Yilian Bank is 5.45%, and that of Weizhong Bank is 4.875%.
Fourth, choose the P2P head platform of online loan.
In 20 18, more than 30% online loan investors suffered heavy losses, and the number of online loan platforms dropped from more than 5,000 to more than 1000 now. It is estimated that there are less than 100 after filing this year.
However, after the storm crisis, the head platform has been performing steadily, but its performance has increased. The industry's average return on investment is 6 ~ 10%, and the cost performance is still relatively high. I continue to choose the top 10 platforms, and the investment of each platform does not exceed 5% of the investable assets.
Verb (abbreviation for verb) stock market and fund.
About 30% of investable assets have been holding shares in the stock market, and the results in 20 18 years are not satisfactory. Fortunately, they also got two new shares. Continue to hold the stock market value to play new shares this year, and wish yourself good luck! At the same time, it is ready to adjust its position to hold stocks with high dividend yield.
There is no doubt that the stock market is at the bottom stage at present, but it is really impossible to judge when the next rising cycle will come. Therefore, since the market opened at 2,500 on June 5438+ 10, we have started to invest in index funds every week, preparing for a long-term war of resistance and making profits with the market index.
Sixth, closely observe the Qingdao housing market.
Qingdao has a unique geographical advantage, and the housing market should improve for a long time. Affected by the national environment, house prices have declined steadily, but the decline is not big. 20 19, there are a large number of new properties listed, and the trend of house prices is not optimistic. Let's observe it for a year.
The above is basically my arrangement for investable assets in 20 19 years. The proportion of the top five funds is about 20%-10%-10%-30%-30%, and the total asset appreciation rate target is 8-9%.
Personal opinions do not constitute any investment advice.
That's all. Thank you for reading. Welcome to pay attention to my headline-Yan Kai Finance, and realize the steady appreciation of wealth together.
I will give my wife my annual income.
This is for me personally. Because I don't buy wealth management, all other funds are in the stock market. So the situation is different. If everyone is well off, I think we can consider my suggestion:
First of all, if you are over 30 years old, your health is not so good, but it is not so bad, but you know in your heart that you are very close and may get sick as you get older. Besides, if you don't have any big savings. I strongly recommend that you buy insurance. Not much money, less than 30 years old, men and women buy a 200 thousand insurance, less than 7000 a year. At that time, I bought it, with 72,000,200,000 serious illness+1 10,000 medical insurance a year. The maximum payment for serious illness is 840,000. So I think that's enough. Have a good life, and finally become a pension. . Note, I'm not an insurance salesman. I just think it's necessary for everyone to buy it, for themselves and for their families. We don't have much money. Once you go to the hospital, your life savings may be gone. So, plan ahead!
Second, put half the money into the stock market. 20 19 stock market should have a better chance. You may be worried and don't know what to buy! Never mind, where did you buy the electrical appliance? Which TV is it? Which refrigerator is it from? Where is the soy sauce? Just buy those companies that you have more contact with. You can tell the shares of a well-known enterprise in one bite. Simple, right?
Finally, the rest of the money is left to the wife. Women are insecure without money. The sense of security now depends more on money than on men. Men make money for their parents, wives and children. Why does a gentleman have so much money on him? Do you want to go to any club? Ha ha!
Hello, friends! It's not easy to make money after a hard year, but it takes money. Let's be clear: you have no money to deposit in the bank and no money to manage money! One is safe, the other is profitable, and each has its own advantages! Take it out, give it to the elderly and children, buy something, and be happy! After all, this is a time for family reunion. First of all, save some, at least 50%! It's not easy for you to earn money by working, but you have to save it and build a house to raise a baby in case of emergency! At present, in some commercial banks and credit cooperatives, the bank's large deposit products can deposit1~ 50 thousand yuan, and the interest will rise by 50~55%. If you deposit it for five years, the interest rate for one year is 5%! If you can find a good product that pays interest on a monthly basis, don't worry about spending money temporarily. If you calculate the current account at 0.35, you still need to manage your money! Of course, you can't take too high a risk. Buy some. Bank insurance low-risk wealth management products are R-rated, and the time period can't be too long, about one year! It is also about 5% of the expected income every year! Moreover, the risk is low, the principal security is relatively high, the income is stable, and the income is stable. Of course, trying to make money is for a happy life. Usually, during the traditional Spring Festival, the whole family is looking forward to reunion. In addition to saving money, buy some new year's goods for the elderly and children and share them with everyone. Happy labor and happy new year!
By the end of the year, ordinary people have worked hard for a year. At this time, they have a lot of idle funds in their hands. Of course, they want to buy financial products with safe capital preservation and high yield, and exchange time for space to be Qian Shengqian. The more the better!
At this time of the year, many banks, especially local city commercial banks, rural commercial banks, postal savings banks and credit cooperatives, are under great pressure to save money, and the general time deposit interest rate can rise by 40% or even more than 50%! In addition, the bank will also launch multiple activities such as deposit giving gifts, lottery, and point redemption. People who go to the bank to deposit money can get the most benefits, which is very cost-effective!
For example, on 20 19, a rural commercial bank launched the latest deposit interest rate. As long as the time deposit exceeds 50,000 yuan, the deposit interest rate can rise by 50%, and the highest can reach 4.5%. In addition, you can get a lucky draw every time you deposit more than 50 thousand yuan. The grand prize is a big color TV, which is still very attractive! Even if the deposit is less than 50 thousand yuan, you can get many small gifts!
In order to reduce possible risks, it is recommended to go to the bank counter to buy wealth management products, except for the Postal Savings Bank. You know the specific reasons, so I won't say more! In terms of Internet financial management, there are only a few big platforms, but many ordinary people can't operate them and have insufficient trust. So choosing bank wealth management products is still the mainstream choice!
For example, a bank will invest 50,000 yuan in one-year regular wealth management products, and the expected annualized rate of return can reach more than 4.5%. Furthermore, some large commercial banks will also launch structured deposit products with higher returns. The principal is safe and reliable, and the expected income can reach more than 5.5%, which is a very good choice!
Friendly reminder: Although the bank management is relatively perfect now, there are few account managers who actively promote bancassurance products, but you must be cautious when you go to the bank to deposit money. It's not too late to buy it after reading it clearly!
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A year's plan starts with spring. The Spring Festival is a day of reunion, and it is also a day to sum up and arrange next year. So, deposit one year's income in the bank or invest in wealth management? Which method is the safest and most profitable? Let me talk about my plan.
First of all, let's talk about whether to deposit one year's income in the bank or invest in wealth management. In the coming year, the income of my family and I will not change much, and we will still rely on wages; In terms of expenditure, in addition to daily life and supporting the elderly, it is expected that children will need to spend a little more on college in August and September. So I decided to calculate the total cost of daily life and supporting the elderly for half a year, put this money in the bank, tie it to Alipay, and usually buy baby products to get higher income than the current bank. The rest is for investment and financial management.
According to my family situation in the coming year, I divide financial management into two stages: the first half and the second half; Based on my risk tolerance and the goal of annualized income of 6 or 7%, I choose the safest product with the highest yield under this expected yield.
The downward pressure on the economy is greater this year, and the central bank will maintain ample liquidity this year. In the first half of the year, I think investing in pure bond funds is the safest way to manage money and has the highest rate of return. Because the liquidity of banks is abundant in the first half of this year, but the transmission mechanism of monetary policy is not smooth, it takes a process for funds to support the real economy. The income of money funds, bank wealth management products and reverse repurchase of government bonds will remain at a low level, and the annualized rate of return of 3% will be difficult to maintain, while pure bond funds will have an advantage at least in the first half of this year. It should be noted here that the pure debt funds selected must be funds issued by big banks, because they have resource advantages.
In 20 19, the economic uncertainty is great, and the principle of financial management is still safe and steady, so the pursuit of excess returns cannot be the goal of ensuring the safety of funds.