1. Conservative investment allocation

For financial management, some safe and steady investments can be allocated, such as treasury bonds and monetary funds. Treasury bonds are the safest, with the interest rate of 3.9% for the latest three-year period and 4.32% for the five-year period. In addition, monetary funds can also be selected, such as Yu 'ebao and bank wealth management products (usually referring to unstructured bank wealth management products), which basically belong to monetary fund investment varieties.

The investment income of monetary funds is higher than that of national debt in the same period, and it is close to the yield of 3-year and 5-year national debt. The wealth management products of some city commercial banks may be higher, reaching an annual yield of 5.5%.

The above investment methods are conservative investments in the investment market, with low returns but low risks. Now, due to the development of the Internet mobile terminal, the next client can configure these products without going to the bank counter.

2. Allocate some medium-income wealth management products

In addition, there are some fixed-income investment products in the market, such as Jiafeng Ruide Wenli Select Investment Plan, with an annual yield of 6%-11.5%, which is much higher than that of national debt and monetary funds. However, for the investment threshold, the products of such institutions are also higher, about 2 thousand, while most bank wealth management products only need 5 thousand investment threshold, and national debt is lower.

For the middle-income financial management method, William of Jiafeng Ruide believes that because the risk is not as high as that of stocks and stock funds, and there are good investment returns, it is still more suitable as the main investment choice for working-class families and middle-class families.

3, stock investment, need to be cautious

But for stock investment, it is risky, not impossible to invest, but it is better to invest in a proper amount, and the proportion of investment should not be too high, otherwise the risk will be compared.

as for the direction of investment, it is suggested that it would be better to focus on blue-chip stocks with reasonable valuation. At present, the valuation of GEM and other stocks is still relatively high and risky, so it is not recommended to operate.

4. Carefully choose P2P for Internet financial management

Internet financial management and P2P financial management in Internet finance. Due to the rapid development of P2P industry, there are also mixed fish and eyes. Today, some P2P platforms have begun to face the risk problems caused by irregular operation in the early stage, and there are more and more problems. There are also some well-designed scams, which attract customers with high-yield promises, and then constantly set the money of those who enter behind, and run away at any time and disappear with the customer's money.

don't covet too high a profit. Generally speaking, the average rate of return in this industry is about 1% at present. If it is too high, for example, it reaches more than 2%, the product cost is basically beyond the safe range of funds. Therefore, it is recommended not to involve the investment in such platforms, which is very risky and likely to lose wealth.