Bank deposit: this is also the vast majority of financial management methods so far. Among many financial management methods, bank deposit is undoubtedly a relatively safe financial management method. At present, there is no better financial management direction, and the funds will not be used for a certain period of time, you can choose the bank deposit method. Bank deposits are generally divided into time deposits and demand deposits. There is also a big difference between fixed interest and current interest. The interest rate of current deposit is very low. At present, the interest rate of major banks is 0.3%-0.35%, but it is very flexible to take it at will: the interest rate of time deposit is relatively high, and the interest rate is different according to the length of your deposit. This can be considered according to your use time, but you can't withdraw money during the deposit period. If you withdraw money before the deposit time expires, your deposit interest rate can only be allocated according to the current interest rate. At present, the fixed interest rates of major banks are: three months 1.35%- 1.5%, six months 1.55%- 1.75%, one year 1.75%-2%. Aggressive investors can take relatively more risks and pursue higher returns. They can choose three ways:

1. Equity funds, which are partial-share, mixed and exponential, have corresponding risks from high to low. Stock funds are closely related to the rise and fall of the stock market. When the stock market is bad, there will be losses, but when the stock market is good, it can get better returns. For example, last year, the overall stock funds fell by nearly 20%, and this year, a large number of stock funds earned more than 30%.

2. Convertible bond funds are very different from ordinary bond funds, mainly investing in convertible bonds of listed companies. Convertible bonds are obviously affected by the rise and fall of stocks. When stocks fall, convertible bonds face the risk of falling, but because convertible bonds have the property of bonds, they have a certain "bottom" nature, and the ratio of income to risk is better than that of stocks.

3. Gold Fund: The gold fund mainly tracks the rise and fall of gold prices and needs certain investment ability. It needs to be able to judge the rise and fall of gold prices through macroeconomic factors. In the long run, gold has certain value preservation, but there are many factors that affect the rise and fall of gold prices in the short term, and improper timing will also cause losses.

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