In the era of industrial development, after earning their first bucket of gold, some people began to keep running and put themselves into commercial operations. Others like to save money for a few years and have a stable income. Although 654.38+000 is a huge sum for most people, it is not impossible for people to have this liquidity in middle age after long-term efforts, savings planning and financial investment.

If you have 1 10,000 yuan, how do you choose the financial channel that suits you? According to the characteristics of different groups of people, OCBC Financial Bian Xiao has sorted out several mainstream investment and financial management models:

Monetary fund

Suitable for the crowd: the capital flow momentum is large and there is a certain risk tolerance.

Business owners, business people, self-employed people and so on all belong to this circle. They often have some idle funds, but because they may need to invest in business operations from time to time, such investors are more suitable for short-term financial management, such as money funds. Its biggest feature is flexible access. Most money funds are T+ 1, which is highly liquid. Moreover, the performance of money funds is very stable. Usually, the annualized rate of return is above 4%, which is higher than that of ordinary bank wealth management products, and the risk is also very low. It can become a good helper for corporate wealth management.

Fund+savings +P2P

Suitable for people: the capital flow momentum is small and there is a certain risk tolerance.

Middle-aged people have a certain ability to resist risks, but because there are old people and small people in the world, it is still a little beyond their power to achieve prosperity by wages alone. Such investors will expect higher returns in financial management. Therefore, in view of the attributes of middle-aged investors, OCBC suggested that 1 million yuan can be divided into three parts, one for stock trading, or entering the market when the stock market situation is good, and the other for bank savings for urgent needs in life. Finally, you can choose a formal and legal Internet financial platform for Internet financial management. If you have an overseas treasure platform stored in hengfeng bank, the income can usually reach more than 80,000. Therefore, even if one-third of 100 is used for internet financing, you can earn tens of thousands more yuan a year.

National debt +P2P

Suitable for people: small capital flow momentum and weak risk tolerance.

If you don't need to see a doctor, or the younger generation in the family is in urgent need of money, the amount of funds flowing among the elderly is relatively small. However, because inflation is beginning to erode the funds in the bank, if the elderly only know how to save and don't learn how to manage their money reasonably, even if they have 6.5438+0 million deposits, they will depreciate over time. Bao, an overseas Chinese, believes that some people can choose to invest in national debt, while others can learn financial management through the Internet. If half of the 654.38+100,000 yuan is not used for a long time, 500,000 yuan can be deposited in the national debt, and the highest rate of return can reach 4%. After five years, the income is quite rich. In addition, you can set aside some funds to learn from young people and find a reliable internet financial platform such as Overseas Chinese Bao to invest. In the long run, it is bound to outperform inflation.

1 10,000 is not a small number. What matters is not only the rate of return, but also the needs of investors themselves. It is suggested that you can consult a professional financial adviser before investing. It is very important to choose financial products according to your own situation, and you must not blindly invest in the choice to avoid serious losses.