1, savings
Many people think that bank savings are not investment, because it is inevitable to deposit money in the bank. Why not leave it at home and wait for the thief to come? As for interest, it's only a by-product. However, savings can indeed be regarded as a very stable investment.
2. Bank investment
Most of the early lucky money was saved by parents in the name of their children. Banks vigorously promote wealth management products, which tend to replace savings. Compared with savings, the expected annualized expected income of wealth management products is higher, but the threshold is also higher. The initial purchase amount of general wealth management products is 50,000 yuan. If any classmate has so much lucky money, he can consider buying bank wealth management products.
3. Fixed investment of the fund
Fixed fund investment refers to investing in a designated open-end fund at a fixed time and amount, for example, buying a fund of 1000 every month, regardless of the price of the fund, which is similar to a bank's deposit and withdrawal. The fixed investment of the fund is called lazy financial management, but according to past data and experience, as long as the fixed investment of the fund persists for a long time, there is a high probability of outperforming the market.
4. Yu 'ebao Wealth Management
Now many students like online shopping, so everyone is familiar with Yu 'ebao. Yu 'ebao is actually a wealth management product linked to the money fund. While enjoying the expected annualized income of the monetary fund, it also has the functions of payment and consumption. The operation of transferring in and out is also very simple, and there is almost no handling fee.