The expected investment return rate is higher than that of banks, but in the absence of abnormal events, it will be higher than bank deposit returns, but it does not rule out the possibility of not reaching investment returns and losing principal.

It is generally recommended to buy short-term capital-guaranteed financial products at the beginning. Generally speaking, while the capital is guaranteed, the income is relatively considerable. There are three investment methods, namely: long-term investment. Those with large funds can invest in real estate, mineral resources, and stocks.

If you have small funds, you can do dividend insurance, etc. The advantage is that it is relatively stable and the risk is small. The disadvantages are: annual dividends, low profits, and long cycle.

For mid-term investments, you can choose stocks and funds with any size of capital. The advantage is that the stock market is relatively mature, securities companies are developing well, and income is high.

Disadvantages: higher risk, longer time cycle, greatly affected by external news, economic development in the past two years has been a bit inflationary, and the stock market is relatively sluggish. Inexperienced investors enter the market cautiously; for short-term investments, you can choose: Fund size

You can choose between: spot and futures. Advantages: Implementing a margin system, you can bet small and big, and some can trade in both directions 24 hours a day. The daily profit is significant, and the risk is small. There is night trading, which is more suitable for short-term office workers.

Disadvantages: The spot (spot now mainly refers to agricultural and sideline products, energy and non-ferrous metals, etc.) market is still developing, and not many people are participating. Although the government is now vigorously encouraging and promoting it, only those who are at the forefront of the investment field and have acumen

Only those with insight and rich experience can find a big pot of gold. Most people who are not professional in investment still prefer traditional stock investment even though they know that the probability of making money in stocks is very small.

Hope this helps!

Hope to adopt!

*1. Purchase financial management products launched by banks themselves, 90-180 days 2. Purchase fixed investment funds through banks, with a fixed number of yuan per month 3. Purchase financial management products launched by social investment companies, etc., the return rate is approximately 12%, with some

There are certain risks** There are many financial management products. Nowadays, major banks have launched financial management products. However, generally speaking, the investment returns are not very high and the storage period is also long. However, bank financial management generally does not carry any risks.

If you are pursuing high returns, you can go to a securities company or financial management institution for consultation. As far as I know, securities companies have a product called pledged repurchase, which has lower risks, higher returns, no lock-up period, and is more flexible.

**The distribution of bold lines is as follows: 1. Deposits 2. Fund fixed investment 3. Monetary funds 4. Bonds It may be enlightening to read some financial management books. You can check out 1. "Financial Management Bible", written by Huang Peiyuan from Taiwan, China Business Publishing

Society; 2 "Financial Management Plan for a Lifetime", written by Wang Zaiquan, Peking University Press; 3 "Financial Management Lessons from the Richest Man in Babylon", translated by George Klassen, Bill Lee, Chinese Academy of Social Sciences Press; 4) "Financial Intelligence 100%"

, Common sense and rules for personal finance and getting rich", Sima Changchuan, China Archives Publishing House.

These books are easy to understand and have clear viewpoints. They are also good financial management introductory books for financial practitioners.