I think the most stable financial management methods are mainly three ways: putting bank deposits, buying money funds and buying bond funds. I believe everyone knows that putting money in the bank, although its interest rate is not high, does not have any risk. The money fund refers to the money fund, just like Alipay's balance treasure. He has no risk, but the interest rate is not high. There is also the ability to buy bond funds, whose risks and interest rates are much higher than those of the former, but they are very low compared with stock funds and the like.

bank

Although the interest rate of putting money in the bank is relatively low, it is really a way of managing money. There are mainly two ways to put it in the bank. The first is demand deposit, and the second is time deposit. The interest rate of current deposit is very low, only about 1.% a year. The interest rate of time deposit is relatively high. If you can deposit a time deposit for three or four years, the interest rate can reach 3-4% per year. The reason why its interest rate is so low is because there is no risk.

money fund

Yu 'ebao is a kind of money fund. I believe that everyone who has Alipay software in his mobile phone should know him. In most cases, the annualized income of Yu 'ebao is almost 2.%, which is a little higher than putting money in the bank for current demand. Yu 'ebao is basically risk-free, and it can be accessed flexibly. From this point of view, it will be better than the deposit bank.

bond fund

a bond fund is a kind of fund specially used to buy bonds. Compared with the former two, this kind of fund has relatively high risk, but its income is also high. If you are lucky to buy a bond fund, it is also possible to achieve a 1% return a year. Generally speaking, the losses are relatively small, generally within 5%. Most bond funds are basically profitable after one year, and there are few losses.