Wear it for a month and see the benefits. Don't buy if the annual interest rate exceeds 12%, and don't buy if the annual interest rate exceeds one year.
There are two reasons,
The money you have here is alive when nothing happens and dead when something happens.
For example, I suddenly plan to travel with my girlfriend during the eleventh holiday, with a budget of 5000 yuan.
This is my suggestion. Take out about 30% of Yu 'ebao and eat 2.6% of current interest. Because this money is enough for daily consumption and emergency large consumption.
Then the rest, you can invest in stable financial products for regular financial management.
As for choosing regular financial management, personal suggestions:
For investors who do not require high liquidity, they can choose a wider range. They can consider short-term financial management (brokers+banks, P2P/P2B), large deposit certificates, bank structured deposits, reverse repurchase of government bonds and other financial management.
Short-term wealth management products, most of the income is slightly higher than that of money funds, but the liquidity is slightly lower.
1, short-term financial management (brokerage+bank, P2P/P2B).
In a fixed period, such as 30 days to 365 days, it is impossible to actively sell, that is, to redeem at maturity.
The average annualized rate of return of brokerage financing is 4.66%. Based on the principal of 200,000 yuan, the expected income for one year is about 9,320 yuan.
P2P/P2B, fixed income products, annualized rate of return 6%- 14%.
P2B Many people say they won't choose.
It is said that the risk is low. If you shoot blindly without looking at anything, it is equivalent to blindfolding! If you leave your fate to God, you can only leave it to fate.
Say it is risky, office workers, like me, have been holding the mentality of "learning while investing" for several years, and it has become one of the staple foods on my plate.
So learn how to choose the right one. The more you know, the more controllable the risk.
I started investing in P2B from 20 14, and didn't spend much energy. I earn tens of thousands more every year, and my income is still relatively advantageous.
I also prefer stable fixed-income products, so I choose P2B head platform, which simply means less risk and less trouble, but the most income is 10%. If I don't have a particularly high pursuit of income, I can give it a try.
Moreover, the threshold is low. I was also a beginner in 300 at that time. Haha, registered investment can get 500 shopping cards. I recommend my family and friends to participate. I feel good. You can also have a look if you are interested: 100 red envelope+500 JD.COM card.
Ps: exclusive activity, only by registering on this page can you get rewards.
You can look at their financial forums, experience excellent customer service and community forums, and compare them with other platforms in the future.
2. certificates of deposit and structured bank deposits.
Judging from the interest rates announced by some banks, the recent 1 year, 2-year, 3-year and 5-year deposit certificates are 2.28%, 4.18%, 4. 15% and 4. 19%, respectively, which are higher than ordinary time deposits.
In addition, most of the structured bank deposits with good liquidity are within one year, and the yield is around 4%. However, at present, risks such as principal and interest are not guaranteed, and income fluctuations need to be borne by themselves.
3. Reverse repurchase of government bonds.
Individuals lend their own funds through the national debt repurchase market and obtain fixed interest income. At the end of the month and the end of the quarter, the income is as high as 10%, which needs to be carefully selected and analyzed.
The above are relatively stable financial management methods at present, and they can also be said to be my own financial management products, which are really good.
Having said so much about financial management, the most important thing is to find a product that suits you. In fact, there is no right or wrong product. It is right to measure your risk tolerance and find the right one.
Items not recommended for purchase: insurance, stocks, equity funds, and various currencies.
To be honest, can you make money by buying these things?
Yes, but it's definitely not you. If you believe that buying stocks can make money, you might as well buy lottery tickets realistically. 14, a friend suggested that I buy bitcoin. I knew that at that time. I feel that the stunt is very big and the risk is greater. I am determined not to buy it. I still have no regrets. Because he bought more than 5,000, it became more than 2,000 in less than a month, and then he sold all the stops. No one can see that four years later, it has risen to this ghost today.
If you don't need that 20 thousand urgently, it doesn't exist. You can buy all the bitcoins and see you in ten years.
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One more word,
It is easy to make money now. In the golden age of 20-30, starting a business casually can earn more than 654.38+million a year, which is much better than those who work in the company.
But mainly, the lack of long-term stable work is very unfavorable for future development. What you have to consider is that you can do everything when you are young. If you have not accumulated capital in your fifties and sixties, you will really accomplish nothing.
You can work hard to make money and accumulate experience when you are young. It is impossible to get rich overnight. Learn more skills and do more practical things.
Because I am young, I struggle more. The struggle here lies not in money, but in the accumulation of knowledge and experience.