There are many ways to finance 6, yuan, such as bank deposits, certificates of deposit, bank financing, funds, stocks, brokerage financing, insurance financing, gold and so on. Different financial management methods have different characteristics in expected income, liquidity and risk. How to manage money with 6, cash? How to manage money is safer? For this problem, we have prepared relevant knowledge for reference.

1. How to manage 6, cash?

financial management is the process of managing your own assets. In the process of management, you expect to achieve a certain expected return. There are many ways to manage 6, yuan, such as bank deposits, certificates of deposit, bank financing, funds, stocks, brokerage financing, insurance financing, gold and so on. Different financial management methods have different characteristics in expected income, liquidity and risk.

1. Bank deposit

Bank deposit is relatively safe, and the risk of bank deposit is very low in all financial management methods. Of course, the risk is low, so the expected return is relatively low. The annualized interest rate of one-year fixed deposit is about 1.8%, which means that 6, yuan is deposited for one year, so the interest you can get is about 1,8 yuan. The annualized interest rates for two years and three years are around 2.3% and 2.9% respectively. The interest rates of time deposits in different banks are different, and the interest rates are constantly changing with time.

2. certificates of deposit

the expected return of certificates of deposit is relatively higher than that of bank time deposits, and the risks are similar to those of bank time deposits, both of which guarantee the principal and interest, because certificates of deposit are also a kind of bank deposits. The interest rate of one-year certificates of deposit is about 2.1%, which means that 6, yuan can get about 12,6 yuan for one-year certificates of deposit, the interest rate of two-year certificates of deposit is close to 3%, and the interest rate of three-year certificates of deposit is close to 4%. Different banks have different interest rates on certificates of deposit. Like bank time deposits, the interest rates on certificates of deposit are constantly changing, and the interest rates in each period are different.

Although the interest rate of certificates of deposit is higher than that of bank time deposits, the starting point of certificates of deposit is much higher than that of bank time deposits. For individuals, the minimum starting point is 2,, and bank time deposits can be started in 5 yuan.

3. Bank financing

Compared with certificates of deposit and bank time deposits, bank financing is relatively risky, and the expected return is not fixed, which may be high, but it may also lose the principal. Generally speaking, the annualized interest rate of bank wealth management products is close to 6%, that is to say, 6, investment bank wealth management, the expected income is about 36, yuan, but it may not be at all, and even the principal will suffer losses.

4. Funds

Generally speaking, the risks of funds are at a medium and high level, and the risks and expected returns of different fund types are different. For example, equity funds and monetary funds, the risk of equity funds is relatively high, but the expected return is relatively high, while the risk and expected return of monetary funds are relatively low.

5. Stocks

Stocks are high-risk financial management methods. Of course, the expected return is relatively high with high risks. A normal stock will rise or fall by about 1% a day, which means that if you buy a stock for 6, yuan, you may lose 6, yuan a day, or you may expect to earn 6, yuan a day. However, both of these situations are extreme, and generally speaking, the rise or fall is between 2% and 5%.

second, how to manage money is safer?

if we only consider security, the security of bank time deposits is very high, and of course the security of certificates of deposit is similar. Although the two are highly safe, there are certain risks. It is best not to put eggs in one basket, but to deposit 6, yuan separately, because the maximum compensation for deposit insurance is only 5, yuan. That is to say, if 6, yuan is deposited in a bank, when the bank goes bankrupt, then 1, yuan will be wasted. If you want to consider both safety and high expected return, you can divide the 6, yuan into three parts, one for time deposit, the other for buying large deposit certificates, and the other for buying financial products with relatively high risks such as funds and stocks, thus giving consideration to both risks and expected return.