I. Bank deposits
Deposit interest rate table
This is the most familiar financial management method for ordinary people. There are two main ways: one is current; The other is conventional. The current interest rate is 0.35%, which is mainly used for emergency and daily settlement according to personal needs. As for time deposits, the current one-year time deposit interest rate is 1.75%, and the three-year time deposit interest rate is 2.75%.
Some preventive measures:
1. The current account can be accessed at any time and has a fixed term. If it is withdrawn in advance, it will be calculated at the current interest rate.
2. The two deposit methods should be determined according to their own actual conditions, and the ratio of current deposit and fixed deposit should be well allocated.
4. The first choice is six state-owned banks (China Association of Agriculture, Industry and Commerce and Postal Savings Bank), followed by national commercial banks, small banks and village banks. This year's thunderstorm has said it all.
Two. time deposit
Certificate of deposit is also a kind of bank deposit, but it is different from ordinary time deposit.
The first is the amount. There are 200,000 certificates of deposit from 50 yuan, which is really a high threshold.
Second, interest rates. The interest rate of time deposits with the same term is lower than that of certificates of deposit. Take Bank of China as an example:
200,000 yuan deposit: annual interest rate 1 year, 2. 10%, 2.94% for 2 years, 3.85% for 3 years and 3.85% for 5 years.
Deposit of 300,000 yuan: the annual interest rate is 65438+2.18% for 0 years and 3.05% for 2 years.
It can be seen that the interest rate of CDs is higher than that of time deposits.
Finally, the standards of each bank will be different and will be adjusted regularly, so you should know clearly in advance before buying.
Three. national debt
"National debt is a kind of government bond issued by the central government to raise financial funds. It is a debt certificate issued by the central government to investors, promising to pay interest within a certain period of time and repay the principal at maturity. Because the issuer of national debt is the country with the highest credit, it is recognized as the safest investment tool. "
So as long as there is no systemic risk in the country, there will be no problem with the national debt.
What's the current interest rate?
The interest rates of 202 1 3-year and 5-year treasury bonds are 3.4% and 3.57% respectively.
In 2023, the 3-year and 5-year savings bonds interest rates will be 3.35% and 3.52% respectively.
How to buy?
There are generally three ways to buy: bank counter, mobile banking and securities company.
Among them, national debt is divided into book-entry national debt, savings bonds and bearer bonds, among which savings bonds is divided into voucher national debt and electronic national debt.
Investors who want to buy government bonds have the following ways:
1. To buy voucher-type government bonds, you need to go to the bank counter to buy them. For example, banks such as ICBC and China Construction Bank can buy them. If it is the first time to buy, you must first bring your bank card and ID card to the bank to open an escrow account.
2. To purchase electronic government bonds, you can directly log in to online banking or mobile banking.
3. Book-entry bonds can be purchased in securities companies. You need to open a stock account before buying, and buy at least one lot, each lot 10.
The settlement of national debt is more flexible, and interest can be extracted every year. The key is that the threshold is not high, and you only need 100 yuan to start. As a result, the national debt was very hot, and it was quickly robbed in a short time. Everyone was ready to buy it in advance.
Four. Monetary fund
Money is also a short-term financial product with low risk and good liquidity. It has the characteristics of high security, high liquidity and stable profit.
Mainly invest in short-term monetary instruments (generally within one year), such as national debt,
In fact, the scope of investment is some varieties with high safety factor and stable income, so for many enterprises and individuals, money market funds are a natural haven, and usually they can get higher income than bank deposit interest, but money funds can't guarantee the safety of principal. But in fact, due to the nature of the fund, the monetary fund rarely suffers from principal loss in reality. Generally speaking, money funds are regarded as cash equivalents. )
At present, the income level of the money fund is generally around 2%-3%, and in rare cases it will be higher than 3%.
Therefore, compared with the bank deposit interest rate, it is still very advantageous.
At present, Alipay, WeChat and banks all have channels to buy money funds. Just find your own convenient channel. I have been using Yu 'ebao and the "money treasurer" of Industrial Bank.
Monetary fund
Verb (abbreviation of verb) bond fund
Bond classification
Including pure debt funds, primary debt, secondary debt, convertible bond funds, etc. Among them, pure debt fund, with low risk, is the most suitable one for most people. It mainly invests in fixed-income financial instruments such as treasury bonds and financial bonds. The annualized rate of return is about 3%-4%, especially 5%, which is characterized by small cash withdrawal (about 1%) and good holding experience. Very suitable for people with low risk appetite.
In addition, there are several foundations, such as primary debt funds, secondary debt funds, and few equity funds, which are basically between 10%-20%. There will be an agreement in the fund description, and the annualized rate of return is generally 5%-7%. If you quit, it depends on the level of the fund manager.
At present, my main portfolio is bond funds, so I escaped the plunge in the first half of the year. Of course, in the long run, it is definitely not as good as equity funds. Let's see what I can afford.
This year's bonds
Fund income
In short, pure debt funds will not hold stock positions in asset allocation, so the returns and fluctuations of each family are basically the same.
Other bond funds, because of the allocation of equity assets such as stocks, will have much higher risks and returns.
For conservative and steady investments, you should do your homework in advance and choose carefully.
The above five products involve savings and investment, which are more suitable for low-risk people.
Of course, the specific choice of what kind of products depends on your own risk tolerance and actual situation.
Related Q&A: Are bank wealth management products completely risk-free? Any wealth management product has risks, so do the wealth management products of banks. Banks should also pass on the risks to customers, and the risks cannot be borne by banks. At present, only the financial products with guaranteed capital are less risky. It seems that the collective wealth management products with loans are all guaranteed, and the rate of return is still very objective.
Related Q&A: It is said that bank wealth management products are risk-free. Is this statement reliable? It is obviously wrong and unreliable to say that bank wealth management products are risk-free. Although most of the bank's wealth management products are stable, there are some high-risk products in the bank's wealth management products. Taking out a single wealth management product for analysis, the issuer cannot determine the risk of the product, mainly depending on asset allocation.
Generally speaking, the risk of bank wealth management products is not great. The following figure shows the statistical data of China Banking Financial Market Report (20 17) released by the Banking Financial Classification Custody Center. Among the products issued by banks, bonds, non-target bond assets, cash and bank deposits and repurchase sales account for more than 60%, while high-risk equity assets only account for less than 10%. The data shows that among the wealth management products issued by banks in 20 17 years, low-risk products ("Grade II") raised 144.5 1 trillion yuan, accounting for 83.25%, while high-risk products "Grade IV" and "Grade V" only accounted for 0./kloc-0.
The above is a macro analysis. If a single product is discussed, the bank's wealth management products also have obvious risk levels. Not all products are low-risk products, but R4 and R5 wealth management products are high-risk. These products are usually linked to highly volatile assets such as stocks, exchange rates and commodities, including some overseas wealth management products, which are risky. This kind of product is not suitable for everyone to invest, and needs investment experience and certain professional knowledge.
When purchasing bank wealth management products, there will be obvious signs in the product manual, indicating the risk level of the products. After breaking off diplomatic relations, basically all products will have several characters "non-guaranteed floating income type", which is a risk warning. Everyone must pay attention to the product description and understand your product before investing. At least you should know where your money is invested. Strictly speaking, there is no risk-free investment, and bank financing is no exception. As an investor, no matter how small the product is, even if it is 0. 16% high-risk financial management, as long as you choose, there are only two outcomes, profit or loss, each accounting for 50%. Just because you choose the bank's financial management, you can continue to rest assured that you just redeemed it. I used to be, but now I don't.
Therefore, the statement that bank wealth management products are risk-free is wrong and simply unreliable! Investment is risky, and financial management choices need to be cautious! Cautious people, please choose the steady type!