At present, although there are many kinds of wealth management products in banks, the most common and accepted one is regular savings. The investment threshold of bank wealth management is low, so you can manage your wealth as long as you save money. On the other hand, the safety factor is relatively high, and there is no need to worry about the principal being affected, which is a safer investment method.

2. Insurance financing

The main function of insurance is protection, that is, when an accident occurs, the family burden can be reduced through insurance. In the case of high inflation, the dividend clauses in some insurance contracts can effectively avoid the inflation function, give certain protection to the insured and increase the value of the principal.

3. Fund management

A fund refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.

4. Gold investment

As a safe-haven asset, gold has been chosen by many professionals. Especially during the epidemic, it was bought in large quantities by people. Judging from the data of the past 40 years, gold has increased fivefold, and the annualized rate of return is only 4.9%, which is basically the level of inflation.

5. Stock investment

Stock is a certificate of ownership issued by a joint-stock company. It is a kind of valuable securities issued by a joint-stock company to all shareholders in order to raise funds. As a certificate of holding shares, it can obtain dividends and bonuses.

Stock investment is a process of investment and financial management through stock trading activities. For fund, insurance and bank investment, the risk coefficient of stock investment is relatively high, but the return is also high.