Generally speaking, the lower the risk, the lower the return. If you want to choose investment tools with low risk, low starting point, good liquidity and convenient investment, these characteristics are mainly funds, bonds and bank time deposits.

bank deposit. At present, the deposit interest rates of various banks are different, so you can choose the deposit product < P > fund of joint-stock banks or large state-owned banks. There are many kinds of funds, and the starting amount is 1 yuan, so monetary and bond funds can be preferred as investment targets.

treasury bonds are more common. Generally, it is sold by banks on the 1th of each month, giving priority to electronic government bonds. The disadvantage of voucher-type government bonds is that interest will not be paid until the end of the investment period. In addition to national debt, you can consider opening a securities investment account and buying corporate bonds with higher ratings in the secondary market.