First, commercial insurance financing.
Commercial insurance means that the insured spends a small amount of money to transfer greater risks in the future. If an insurance accident occurs, this small investment (premium) can bring greater compensation (insurance indemnity) to the insured. The biggest function of insurance is protection. Insurance products all contain a certain proportion of accident protection, which is irreplaceable by other wealth management products. Financial insurance can help families solve the foreseeable risk protection in the future, such as dividend pension insurance and children's education insurance. This kind of financial insurance, which combines necessary expenses and risk protection, is also one of the basic financial management methods for ordinary families.
Advantages: It has both security and financial management functions, and can avoid risks to a certain extent. Calculated by compound interest, compound interest has a large profit.
Disadvantages: short-term no profit, long investment time to be effective, low liquidity.
Second, bank financing.
In 20 14, bank wealth management products developed rapidly and were issued on a large scale. At the same time, Internet wealth management products have also emerged on a large scale, with the characteristics of high returns and convenient operation, and the scale of bank wealth management has shrunk. By the end of the year, the "year-end effect" of bank financing highlighted its advantages, and bank financing picked up again. Although the scale of bank wealth management products has shrunk, bank wealth management has always been considered as a relatively safe way to manage money.
Advantages: stability, safe capital chain, good reputation and high security.
Disadvantages: inflexibility, high starting point of funds and low efficiency.
Third, stocks, funds, futures and precious metals-high risks and high returns coexist.
In the recent market, there are two voices: bearish on the property market and optimistic about the stock market. Since the stock market bid farewell to 6000 points in 2007, the pattern of the stock market taking the bear and the property market taking the bull has been alternating. Both futures and precious metals investment need to have the ability to identify and judge market conditions and operate transactions. The risk and investment are also relatively high. If you are a small white with no investment experience and knowledge, and don't have enough time to analyze and trade, then be cautious.
Advantages: high income
Disadvantages: high risk
Fourth, P2P financial management.
P2P financial management, a new financial management method, has gradually appeared in the public's field of vision, and it is also a dark horse in Internet finance. Compared with bank financing, P2P financing is more flexible and has a lower threshold, basically starting from 100 yuan. It is a new type of personal wealth management product that has attracted much attention in recent two years. At present, there are many domestic P2P financing companies with different products and different yields.
Advantages: P2P financial management projects can be transferred, with flexible investment period and high returns.
Disadvantages: The risk is high, P2P wealth management companies are mixed, and the reputation cannot be guaranteed. We should choose carefully and avoid risks. Experts suggest that choosing investment and financial management methods is the key.