1. bond financing: bond financing is a relatively safe financing method, and it is a financial option to replace the regular arrangement of banks. The yield of national debt is fixed, but the disadvantage is low yield. For individuals who pursue stable income and are usually unwilling to further manage their finances, they can consider it.

2. precious metals investment: Advantages: Pure precious metals only have the function of preserving value, and precious metal derivatives have the function of investment appreciation;

Disadvantages: it is difficult for individual investors of precious metal derivatives to operate;

Comments: Many people who make their own precious metals investment in the market are losing money. Non-professional investors are not advised to operate on their own.

3. Funds: According to the degree of risk, the general types of funds can be divided into the following categories:

1. Equity funds: Equity funds invest in stocks, which are high-risk wealth management products, and high risks will also bring high returns;

2. Index funds: Index funds rise and fall according to the rise and fall of an index. Medium risk;

3. Bond funds: Bond funds mainly invest in bonds, and the risk is relatively low;

4. Monetary Fund: Monetary Fund mainly invests in bank deposits and corporate bonds, with almost no risk. The annual rate of return is similar to that of bank deposits.

Peer to peer loan

Peer-to-peer lending is a popular financial product in recent years, which is characterized by low financial threshold, stable and safe income and good liquidity. The annualized income of P2P online loan financing is 8%~ 14%, which is several times higher than bank savings. Recently, the P2P industry supervision regulations have been promulgated one after another, and the P2P platform has become increasingly standardized. As a personal financial product, it is a good way to manage money.

For example, p2p wealth management products are very good in spring, and the expected annualized income of online wealth management is 9%- 15%, with a good safety factor and worth investing. It also has many advantages such as low investment threshold, flexible term and convenient cash withdrawal.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.