Financial management should be carried out by considering both safety and profitability. The higher the security, the lower the profit. The financial management methods available to financial managers include savings, monetary funds, bank financial products, trust plans, stock funds and stocks,

P2P investment platform and other channels.

Among them, savings have the highest security but the lowest returns. Investing in stocks has a good potential rate of return but also carries a high risk of loss. How to choose between safety and profitability is something every financial manager needs to plan carefully.

Bank savings investment Bank savings are one of the financial management methods with the lowest yield. The longer the period of regular savings, the corresponding benchmark interest rate will be higher. Among them, the three-year term deposit benchmark interest rate of state-owned banks is mostly 2.75%. Joint-stock banks and city commercial banks

The deposit interest rates of Rural Commercial Bank and Rural Commercial Bank are relatively high. The interest rates of the latter two are generally above 3%. The highest three-year deposit interest rate of Quanzhou Bank can reach 3.9%.

From a one-year perspective, the one-year deposit interest rates of various banks are difficult to exceed 2%, and the one-year interest rates of state-owned banks are mostly only 1.5%.

Calculated based on the higher value of 2%, the annual interest income from a deposit of 1 million yuan is 20,000 yuan. Although it is safe, the price/performance ratio is indeed too low.

Therefore, it is recommended that although bank savings are very safe and it is indeed possible to keep part of the deposit, it is not recommended that all deposits be deposited regularly and part of the deposit should be allocated for other investments.

The income from investing in money funds has dropped significantly. In the past two years, the seven-day annualized rate of return of some popular money funds such as Yu'e Bao and JD.com can be above 4%, attracting the attention of many investors.

Today, Yu'e Bao's seven-day annualized rate of return has fallen below 2% and is currently only about 1.75%. Although currency funds are highly liquid, the returns cannot even keep up with regular savings, so investors are not recommended to allocate large amounts.

Such monetary funds.

When investing in bank capital-guaranteed financial products, after the new regulations on asset management were implemented in 2018, banks’ various financial products no longer include guaranteed capital and income in the format terms, which means that the bank financial products purchased by investors are

The risk of not being able to pay when due.

However, given that the current transition period for the new asset management regulations has not yet expired, banks are still renewing their original financial products. Even if the terms no longer indicate guaranteed capital and income, there is still a guaranteed income when purchasing financial products from banks.

Through the mobile apps of various banks, investors can choose bank financial plans ranging from as short as 7 days to about 3 years, with investment thresholds ranging from 10,000 yuan to 1 million and above.

Taking Minsheng Bank's app as an example, the bank's financial management plan with a starting investment of 1 million yuan and a 6-month return rate is about 3.65%, which means that the income in one year after the principal investment of 1 million yuan is about 36,000 yuan.

, if the investment period is expanded, the rate of return will be higher.

However, this type of product is now very popular, and many investors are buying it as soon as possible. Therefore, if investors don't buy it early, they won't be able to buy it.

In addition, the transition period for the new asset management regulations will end next year, and there are currently doubts whether this type of bank financial management can maintain a yield of more than 3.5%.

The investment threshold for trust product investment trust plans is higher than that of bank financial products. The common investment starting point in the market is more than 1 million yuan. The average annualized rate of return of collective trust products is 7.60%, that is, the annual income of 1 million yuan principal can be

It reaches 76,000 yuan, which is nearly twice that of bank financing.

However, investment trust plans must have a high risk tolerance and a long investment period, mostly more than 3 years. Therefore, investors need to balance liquidity, risk and profitability, and do a good job of personal

Investment risk control of assets.

Stock Funds and Stock Investments If investors have a higher risk tolerance and pursue higher returns, they can also invest in stocks themselves.

There is no fixed return range for investing in stocks.

If you invest 1 million yuan in the stock market, if the market is optimistic and you operate properly, it is possible to double your income in a year. However, stock investment and fund investment require certain professional investment capabilities. Investors without any foundation are not recommended to enter the market.

, it is easy to lose money.

In addition to the above traditional investment projects on P2P investment platforms, investors can also choose some small platforms for investment.

For example, P2P financing platforms are an emerging financial management method in recent years. The public is currently very accepting of them. However, since many P2P platforms have become popular in the past two years, investors must do a good job of screening before investing.

Work.

Although the rate of return can reach 6%-7%, that is, the annual income of a 1 million yuan investment is 60,000-70,000 yuan, the risk level is very high, and it is very likely that the principal will be lost.

To sum up, the core of financial management is that the higher the rate of return, the higher the corresponding risk. If you think the risk of the investment project is within your risk tolerance, you can try it.

At the same time, it is recommended that everyone, no matter how aggressive an investor you are, should take safety measures when investing in any asset, so that when risks occur, you can still have liquid funds to meet the necessary expenses for daily life.