In order to understand the characteristics of treasury bonds, deposits, money funds and bank stocks in more detail, it is shown that these four major investments are indeed stable investments without worrying. The following analysis is made one by one.
(1) national debt
National debt is a kind of bond issued by the state, based on national credit. It is called "zero-risk investment tool", which means that this kind of investment is particularly safe and belongs to the highest security level.
National debt is divided into short-term, medium-term and long-term. If you really want it, and the income is particularly stable, it is best to choose long-term government bonds, such as ten or fifteen years. This kind of investment is very worry-free and labor-saving.
As long as you use this 200,000 yuan to buy long-term treasury bonds through banks or line managers, you will pay interest or maturity scripts every year. You don't have to do anything after buying treasury bonds, especially pensions are very suitable for investing in treasury bonds.
(2) Bank deposits
Bank deposit is no stranger to everyone, and it is also the most familiar investment. The so-called bank deposit means that an enterprise or individual deposits money in a bank, and the bank settles interest to depositors in accordance with relevant regulations and agreed interest rates.
In fact, enterprises or individuals deposit money in banks, which can use the money to turn around and then give depositors a little profit; Similar enterprises or individuals borrow money from banks, both enterprises and individuals have to pay bank interest, and banks earn interest income entirely by eating the difference.
If you want to deposit 200,000 spare cash in the bank, you'd better choose to deposit a five-year smart deposit or a five-year large deposit certificate in a private bank, and you need to sign an agreement to automatically transfer it when it expires.
As long as you sign the automatic transfer agreement, this bank deposit will not be idle, as long as you wait for the annual interest to arrive; If you really want to use the money, you can make an appointment with the bank to withdraw money in advance, so you don't have to wait for the money in the bank for a long time.
(3) Monetary Fund
After Alipay issued Yu 'ebao a few years ago, I believe many people already know what a money fund is. Monetary funds are issued by fund companies. This is a low-risk and low-return investment product, which is very suitable for idle capital investment.
Buying a money fund is also a stable investment, so don't worry about the income. As long as you buy this 200,000 yuan into the money fund, interest will be settled at the annualized interest rate, and interest will be settled on a daily basis. Another advantage is the "rolling interest" model, that is, interest can be used as principal to obtain more interest.
However, the only drawback of the money fund is that the rate of return is too low. According to the current annualized rate of return of the money fund, it is basically around 2%, that is, 200,000 yuan to buy the money fund is about 4,000 yuan a year: although the interest of the money fund is low, it will reassure investors. After buying it, you don't have to move at all, and you are very reassured about the daily income.
(4) Value Investment Banking Unit
Anyone who speculates in the stock market will know that bank stocks are seriously undervalued, with low P/E ratio and P/B ratio, large plates and minimal stock price fluctuation. In addition, bank performance is good and stock price is low, which is very suitable for value investment.
If you want to invest in banking stocks, don't worry, you want to stabilize your income. You'd better use this 200,000 yuan to buy shares of the four major state-owned banks, and then make value investment after bargain hunting. There is no need to operate on the way. Whether it is a bull market, a bear market or a volatile market, the amplitude of bank stocks is not large, which is suitable for long-term investment value.
Judging from the situation of the four major state-owned bank stocks, if the annual dividend income and premium collection are added together, the average annual income will be at least 8% ~ 1 1%, which means that if you buy bank stocks for a long time, the average annual income will be more than 16000 yuan; The key to such a high return is to "hold" stocks and pursue long-term returns.
gather
Through the comprehensive analysis of the four major investments: national debt, bank deposits, money funds and bank stocks, we know that if you really want to be completely worry-free and stable, you'd better invest in national debt. On the contrary, if you want to pursue higher returns, you can only choose to hold bank shares as value investment and pursue long-term investment returns.
In short, how to invest 200,000 idle funds? Where to invest? Be sure to choose according to your actual situation. The above four investment products are all qualified. As for how to choose the one that suits you, it is the best investment.