The reason is that banks rarely go bankrupt. When users deposit money in the bank, even if the bank goes bankrupt, users can get some cash compensation. If you want to choose a more stable financial management method, savings must be the first choice, and the cash flow of savings is also very good.
First, the most stable way to manage money is to save.
For most banks, the annualized interest rate generally given by banks is 0.5%~0.75%. If users want to get a higher return on investment, they can try to save on time, and the bank can offer a time deposit interest rate of about 1.25%~3.75%. For commercial banks and local banks, banks may even offer an annualized time deposit rate of more than 4%.
Second, monetary funds are also very stable.
Many people have the habit of putting their savings in Yu 'ebao. At the same time, they also think that Yu 'ebao can provide itself with an annualized return on investment of 1% ~ 2%. The essence of what we usually call Yu 'ebao is the money fund. Although the return on investment that the money fund can bring to investors is not much, the return on investment of the money fund is very stable, and it is difficult for us to see the situation of currency collapse.
Third, bond funds are also very stable.
If you want to get a higher return on investment, you can try to use some funds for bond funds on the premise of reasonably controlling investment risks. What we usually call bond funds are basically very stable, and many bond funds can also give an annualized return on investment of more than 6%. Even if the market is not good, bond funds can give an annualized return of at least 2%. In addition, I think it is necessary for you to re-evaluate your investment methods, and at the same time, you need to establish a certain investment portfolio to make your investment behavior more stable in this way.