Bank financial products are divided into many types. Generally speaking, low-risk products are relatively safe, while ordinary investors of high-risk investment products need to choose carefully.

1. Low-risk type

Capital-guaranteed financial management. At present, rigid redemption has been broken, there are fewer and fewer capital-guaranteed financial products, and the yield is slowly declining, currently around 3.5%.

Monetary funds. All major banks have their own money fund products, such as China Construction Bank, Industrial Bank, etc. Basically, banks will have their own money fund products.

2. Medium risk category

Ordinary financial products. This is the most common financial product that people buy from banks. It has no guarantee of principal or interest, and the term ranges from one month to several years. They are actually bank asset management plans, and the funds raised are generally relatively stable investments. The possibility of default for this type of product is also not very high. According to data disclosed by a data research organization, the current average return rate of this type of financial products is around 4.36%.

3. High-risk products

The returns marked on such financial products are often relatively high, and some can reach more than 10%. Of course, they also correspond to high risks. The funds raised are generally used to invest in high-risk targets such as equities, commodities, and stock indexes. Representative banks include Minsheng Bank, Bank of Communications and Bank of China, etc. Ordinary investors need to choose carefully.

Common financial management products

The first category is fixed-income financial products. Common ones include bank financial products and trust financial products.

The second category is capital-guaranteed and floating-income financial products, mainly issued by banks.

The third category is non-principal guaranteed floating income financial products, which are mainly divided into bank financial products and securities investment financial products.

Money Fund

The so-called money fund is an open-end fund that mainly invests in stable financial products such as central bank bills, book-entry treasury bonds, financial bonds, and agreement deposits, because it does not Like other open-end funds, there are subscription and redemption fees, so investors can treat it as a "current savings" and purchase and redeem it at any time. It usually takes 2 to 3 working days from issuing a redemption order to being able to withdraw cash.

Subscription Funds

Regular fixed-amount subscription funds are very suitable for salaried workers to achieve the goal of forced savings. The number of various open-end funds that have been listed has reached hundreds, and their main distribution channel is banks. Then, salaried workers who frequently visit the bank may wish to select a fund that it sells as an agent, and sign an agreement with the bank to stipulate the monthly deduction amount. From now on, the bank will deduct the agreed amount from your capital account every month and transfer it to the fund. The account completes the fund subscription.

This approach is conducive to risk diversification and long-term stable value appreciation. With this investment method, you don’t need to master too much professional knowledge, and you don’t have to worry about choosing the time to buy. You just need to be patient and insist on medium- and long-term holdings. Under normal circumstances, the income from fixed investment in funds will be higher than that from zero deposits. Interest. Because of this, it is even an excellent choice for working people to save education funds for their children or plan pensions.

When buying funds at a fixed amount on a regular basis, it is particularly important to choose which fund. Generally speaking, this investment method is suitable for stock funds or stock-focused hybrid funds. The important criterion for selection is its long-term profitability.

Monthly Plan

Some joint-stock banks have a "monthly plan" deposit method. The annual income can reach 3.3 times of current deposits and 1.5 times of call deposits. As long as the balance of a single account exceeds 10,000 yuan, you can agree on a monthly financial plan with the bank in the second half of each month. The bank will announce the income of the previous period on the 1st of each month, and allow investors to terminate the plan from the 5th to the 25th of each month to ensure the liquidity of funds. The expected annual yield is 1.7% to 2.05%.

The second stage of wealth appreciation of 100,000 yuan

50% steady defense, 50% "steady attack + strong attack"

Defending: After working for several years , maybe you already have a deposit of about 100,000 yuan, so you can take good care of your savings over the years and let them increase in value faster.

First of all, half of your savings should be placed in bank deposits or treasury bonds. The purpose of this money is not to increase income, but to protect capital and avoid exposing wealth to uncontrollable risks.

In addition to deposits and treasury bonds, you can also pay attention to other low-risk financial products, such as RMB financial products and money market funds. The principal of investing in these financial products is safer, although the yields given are There is no absolute guarantee for the expected rate of return, but in fact the fluctuation range of the rate of return is not large. For example, if you invest 10,000 to 20,000 yuan in currency or bond-type open-end funds, it can replace demand deposits.

Under the condition of ensuring liquidity and low risk, the return rate of money market funds is generally about 2%. Monetary funds generally do not charge redemption fees, have low management fees, are very flexible in conversion, have high principal security, and are tax-free.