1.50% is used to purchase funds.

It is very dangerous for ordinary people who don't have enough knowledge of the stock market to rush into the stock market. But funds are different from stocks. Buffett said in a letter to shareholders in 2003: "For most people who want to invest in stocks, the best choice is index funds with low fees." According to the results of personal investment, there is no loss in choosing to buy index funds at a fixed time. For some people who don't have much deposits, fixed investment is also a good means of compulsory savings ~ the principle of fixed investment fund is: "take profit without stop loss"! Please remember! ! ?

2.30% is used to buy some regular wealth management products.

In addition to Yu 'ebao, we can also see various baby products on Alipay. We can see that their yield is higher than Yu 'ebao, but their liquidity will be a little worse. There are also some p2p financial products, and I will explore some more reliable p2p financial websites myself. Bonus hunter's first output is always particularly high. The annualized rate of return of my last investment reached 12%, and I only need 1 month time deposit. Of course, for the selection of p2p websites, we should keep our eyes open and try to choose those with reliable bank support. ?

The balance treasure or change is 3.20%.

Users who use Alipay know that Alipay's yield is about 4%, and now it is relatively high, which will exceed 4%, but personally, it is as good as fighting inflation. However, I don't know if you have noticed the change-through wealth management products launched by WeChat recently. Products similar to Yu 'ebao are also desirable in an instant, but the yield is slightly higher than Yu 'ebao. If some people have a large balance in WeChat, they can turn around. Financial management is always better than nothing ~