(1) Safety of wealth management funds
The safety of financial management funds is to ensure the property safety of the elderly and the probability that the principal will not be lost; That is, deposit or purchase low-risk wealth management products; Such as deposits, money funds, and reverse repurchase of government bonds. ;
(2) the liquidity of wealth management funds
The liquidity of wealth management funds refers to the strong liquidity of wealth management funds, which can be cashed at any time and is not limited by funds; After all, the elderly should be ready to withdraw their consumption at any time; For example, demand deposits, Yu 'ebao, Yu Bao Li and WeChat Coin Pass have high liquidity.
(3) The financial yield outperforms the currency depreciation rate.
Wealth management rate of return outperforms currency depreciation rate, which means that the annual wealth management income of the elderly is stronger than the annual currency depreciation rate, so as to preserve or increase the value of the assets of the elderly and prevent the assets of the elderly from becoming less and less. In the past ten years, the currency depreciation rate has been 3%, and the annual interest rate of financial management for the elderly has been above 3%; For example, certificates of deposit, reverse repurchase of government bonds, and money funds.
According to the three elements of pension asset management, namely, capital security, liquidity and depreciation rate, individuals recommend the following financial products for retired people;
(1) smart deposit
The smart deposits launched by Weizhong Bank are also the first batch of legal smart deposits in China. This is a financial product with guaranteed capital and interest, which can be accessed at any time and is very suitable for the financial management of retirees. Moreover, the interest rate is also very high. The annual interest rate of deposits for more than one month is as high as 4%, and deposits for more than one year are as high as 4.5%.
(2) bank deposit certificate
I believe that everyone is familiar with the bank's large deposit certificates. 20 15 was launched by the state and was sought after by depositors after its launch. Large deposits have good security, strong liquidity and guaranteed interest; As long as the annual interest rate of certificates of deposit for more than two years is above 3%, some are as high as 5.5% for three years and five years; The most important thing is that certificates of deposit can be transferred in advance, and part of the interest is paid monthly, which is very liquid and has high interest, which is very suitable for retirees to manage their finances.
(3) Monetary Fund
Monetary Fund Since the emergence of Yu 'ebao in June, 2065438+2003, many financial investors have started to contact the Monetary Fund for financial management. Subsequently, financial institutions have continuously introduced various valuable money funds; Money fund has low risk, can be accessed at any time, pays interest every day and has high interest rate; As shown in the above figure, the latest monetary fund yield of 20 19 is the highest, and the annualized rate of return of TEDA Manulife's friends on the 7th is 6.225%, and many annualized rates of return are above 5%. Monetary funds are also very suitable for retirees to manage their finances.
(D) Reverse repurchase of government bonds
Treasury reverse repurchase is a short-term financial product, which is led by the state and has the advantages of good security, high yield, convenient operation, good liquidity and low handling fee. The reverse repurchase of government bonds can be said to be zero-risk and high-yield, and the annual yield is between 3% and 5% after one year of operation; This low-risk and high-yield reverse repurchase of government bonds is also very suitable for the financial management of retirees.
Through the above analysis and answers to the financial management of retired people, it is suitable for retired people to deposit or buy financial products with safe and secure funds, strong liquidity and higher yield than depreciation rate; Personally, I recommend that the wealth management products for retirees mainly include smart deposits, bank certificates of deposit, money funds, reverse repurchase of government bonds and other wealth management products.