For the first type of national debt, the interest rate of three-year national debt is 3.4%, and that of five-year national debt is 3.57%. Income can't outrun inflation.

For the second kind of bank deposits, we can improve the deposit income by ladder deposit method, pyramid deposit method and 52-week deposit method. These are very practical methods, and another way to quickly increase deposits is to find local small banks, which often have higher returns.

The third type of certificate of deposit is actually a bank deposit, but there will be more requirements for funds, basically 200,000. In addition, we should pay special attention to try not to deposit more than 500 thousand in a bank. Because according to the deposit insurance regulations, deposits within 500,000 yuan are protected, and even if the bank goes bankrupt, the principal and interest of deposits within 500,000 yuan can be recovered.

The fourth type of money fund, everyone should be most familiar with Yu 'ebao and change pass. The yield is basically between 2% and 4%. It's a little convenient to save money. You can put all the money you don't usually use.

The fifth type of wealth management insurance, there are many subtypes of wealth management insurance, such as annuity insurance, universal insurance, whole life insurance, dividend insurance and so on. When buying financial insurance, you must pay attention. If we do it for financial management, it is good to buy a simple financial insurance with the function of maintaining and increasing value. The kind with protective function sounds very good. In fact, the income is not as high as similar financial management, and the protection is not in place.