1, bank deposit
Bank deposit has the advantages of low threshold, convenient operation, easy-to-understand rules and high credit, but it also has the disadvantage of low interest rate. For people with poor economic conditions and poor ability to resist risks, bank deposits are an excellent way to manage money.
2. Monetary Fund
For example, Yu 'ebao and Bitong are both money funds, with higher income than bank deposits, but higher risk than bank deposits. But its threshold is very low, starting from 0. 1 yuan, and it can be put into use at any time, with simple operation, convenience and quickness.
3. Personal old-age security management products
Generally, it is a wealth management product provided by various pension insurance companies. There is a threshold to start buying, which is about 1 1,000 yuan. The risk is relatively low, belonging to medium and low risk. The income is higher than that of bank deposits and money funds, but there is a time limit and it is inconvenient.
To sum up, the above are three financial management methods for people with poor economic conditions, all of which have the advantages of small risk and low income, but they are very good financial management methods for people with poor anti-risk ability.