5 low-risk financial management methods for lazy people 01 Treasury bond reverse repurchase, with an annual interest rate of 3%. To put it bluntly, it means lending money to others. It is a short-term loan where individuals lend their own funds and obtain fixed interest income.

The borrower (usually a large enterprise) uses its own treasury bonds (or bonds that have reached a certain rating) as collateral to obtain this loan. The treasury bonds will be endorsed by the state to repay the principal and interest upon maturity.

The safety factor is very high. The reverse repurchase risk of government bonds is very low, the term is short, and the principal and interest are guaranteed.

Annualized rate of return: The annualized rate of return is between 2% and 3%. During holidays, market funds are tight and interest rates increase. The annualized rate of return in a single day can reach about 10%. The highest annualized rate of return in history is 97%.

02 Money Fund 1.5%-4% Like our commonly used Yu X Bao and Wealth Management, money funds are money funds. Money funds mainly invest in short-term securities in the money market, such as government bonds, corporate bonds, bills, etc.

Therefore, the security is high, the income is stable, deposits can be withdrawn at any time, and losses are rare.

Of course, the rate of return is relatively stable (low) and is generally between 1.5% and 4%. It is recommended that funds for daily use, such as living expenses, can be stored in it.

03 Savings treasury bonds 3.8%-3.97% savings treasury bonds, principal and interest guaranteed, issued by the government, very safe, as reliable as bank deposits. Savings treasury bonds can be divided into certificate-type and electronic treasury bonds, and the issuance period is divided into 3 years and 5 years.

The regular 3-year interest rate is 3.8% and the 5-year interest rate is 3.97%. Savings bonds are suitable for long-term investment.

Specific operations: January, February, and December, these three months cannot be purchased. Go to the bank counter to purchase from the 10th to the 19th of each month. Open your mobile banking, enter "savings treasury bonds", and relevant information will pop up. 04 Bank regular savings

Deposits, with an annualized rate of 4%, bank fixed-term savings deposits have high returns and low risks, and are more suitable for long-term allocation. Focus: Bank savings deposits have principal and interest guaranteed within 500,000, and the 5-year regular dividend income is generally 3-4%. Specific operations: General

In mobile banking, you can get it by just searching ~ 05 Brokerage financial products, annualized 4-6% Brokerages have also launched many financial products, mainly income certificates and pledged quote repurchases.

These products invest in fixed-income varieties such as bonds, money market funds, and bond funds, so the risk is very low.

As long as the brokerage does not go bankrupt, these products guarantee principal and interest.