What are the short-term investment and financial management methods?
1. Manage your finances with money funds such as Yu 'ebao and Coin Pass.
Both Yu 'ebao and Bitong are docked money funds, but the risk of money funds is very small and the liquidity is relatively good. General money funds are redeemed at T+ 1, and Yu 'ebao and Bitong can support fast two-hour payment. If the payment time is short, they are more suitable for short-term investment and financial management.
Second, the current financing situation of banks.
The flexibility of bank's current financial management is also good, and it can be redeemed at any time, and there is no closed period. For example, China Merchants Bank's Super Bao Chao is connected with the financial plan of Zhao Yin Wealth Management Co., Ltd., which is a low-risk fixed-income product. The investment direction is mainly government bonds, financial bonds, central bank bills, bank deposits, bank bonds, etc., which is low in risk and can be accessed at any time, and is more suitable for short-term investment and financial management.
Three. Types of stocks and high-risk funds
Stock is a high-risk financial management, which belongs to the trading system of t+ 1. Relatively flexible, it can be traded during the trading hours of stocks, but the risks of stocks are great, so investors should be extra cautious when buying. The types of high-risk funds refer to stock funds, hybrid funds, index funds and other funds with stock investment direction, and their risks are relatively large.
Fourth, reverse repurchase of government bonds.
At present, there are 9 kinds of treasury bonds reverse repurchase transactions, including 1 day, 2 days, 3 days, 4 days and 182 days, among which 1 day, 3 days and 7 days are more suitable for short-term investment and financial management.
What to buy for short-term financial management?
If you are an investor who can't take risks, you can give priority to Yu 'ebao, change pass, money fund financing, bank current financing and so on. Because these are low-risk financing, they are more suitable for conservative investors, with less possibility of loss and better flexibility.
If you are an investor who can take risks and want to pursue higher returns, then you can consider stocks and high-risk fund types. These risks and benefits are relatively high, but it should be noted that when the market is not good, there may be serious loss of principal, so you need to be cautious when buying.
When choosing short-term financial management, we should analyze it according to our own situation and then make a reasonable judgment. Financial management is risky. If you want to pursue profit, you must bear its risks. If you can't take the risk, then don't consider financial management.