Can I manage money with a deposit of 10 thousand?
Ten thousand deposits can be used for financial management. In fact, 10,000 yuan is already quite a lot. For example, some funds in Alipay can be purchased for a penny, and some can be purchased for ten dollars. The threshold is not high. Not only rich people can manage their finances, but ordinary people can also manage their finances.
How to manage money with a deposit of 10 thousand?
1, wealth management products
There are many kinds of wealth management products. You can choose low-risk wealth management products, but wealth management products generally have a time limit. When investing, investors should pay attention to this 10 thousand deposit as spare money that does not need to be invested.
Suppose that the expected income of a wealth management product is 4%, and the income after three years' purchase is: 10000*4%*3= 1200 yuan, with an average annual income of 400 yuan.
2. Monetary Fund
The liquidity of the money fund is still very good, and it will basically not lose money, with little risk and relatively stable income. If it is convenient, you can put it in the balance treasure or the change pass. They also belong to money funds, which can be taken out and deposited at any time, and can also be directly used for consumption.
If this 10,000 is all the money I have, I can use it at any time in the balance treasure or the change pass, which is very convenient.
3. National debt
Treasury bonds are generally issued at one time. If investors want to buy, they can pay attention to its release time online in advance, and then snap up. Moreover, the interest rate of national debt is generally higher than that of banks, and the security is relatively high. The issuer is the country.