1, fund
The investment threshold of the fund is very low. Monetary fund 1 minute, other general funds generally 10 yuan, so 10000 yuan is enough to buy fund products.
The risks of different fund products are different, and their risks mainly depend on the investment scope. Relatively speaking, money funds and bond funds, especially short-term debt funds, are relatively stable low-risk funds. Convertible bond funds, hybrid funds and equity funds fluctuate greatly, and the risk level is mainly medium-high risk.
Another advantage of open-end fund is that it is flexible to apply for redemption and has no fixed investment period. Investors who need money urgently can apply for redemption at any time, and the redemption time is generally T+ 1.
2. National debt
The investment threshold of national debt is also very low, and you can start investing with 100 yuan. Moreover, national debt is endorsed by national credit, and its credit rating is extremely high, so it is called Phnom Penh bond.
The type of national debt in which individual investors participate more is savings bonds, and the investment period in savings bonds is mainly 3-year and 5-year. If you withdraw in advance within the time limit, you need to deduct the handling fee and part of the expected interest income. Therefore, savings bonds has the function of compulsory saving. If this 10 thousand yuan is idle for a long time, you can choose to buy government bonds.
3. Bank cash management products
Conventional wealth management products of banks generally start from 50,000 yuan, but some bank cash management products lower the threshold to 654.38+0. 1 10,000 yuan. The products here are similar to money funds, mainly investing in money market instruments, with low risk and supporting deposit and withdrawal.
The above content about how to manage money with only 10 thousand, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.