Due to last year's epidemic, many people lost their jobs and many people could not go out to work. Forced to make a living, they also learned many ways to make money, such as stock trading and fund speculation, which are also relatively profitable methods. So by the end of last year and the beginning of this year, many people who traded stocks also made a lot of money, because they also learned how to make money through financial methods. In many people's impression, people who work in stock exchanges or speculate in funds are usually rich because they have the capital and knowledge to speculate in stocks, but for most people, they may only know how to make money by selling coolies. So in contrast, many people think that finance is relatively easy and stupid, but it's actually not that stupid, but if you don't know how to stock, they will advise you not to argue, because the risk is very great. We can meet waltz's investors. Many of them retired in their forties and fifties, and then lived a very rich life. During the ten years from graduation to retirement, they earned all the money they needed in life, perhaps hundreds of thousands, millions or even hundreds of millions of yuan. So now many netizens are jealous and want to learn how to make money through funds. In fact, there are many kinds of funds, but the safest, highest return and lowest risk are index funds. Of course, this is just the most profitable thing for ordinary people. For most investors, in addition to stock index funds, they will also buy stock funds, because the daily income of stock funds is particularly high, but its risk is also the greatest, because 80% of stock funds must be stocks, and only 20% can buy other funds. But index funds do not have this requirement. Among all funds, there is actually a bond fund with very low risk, but the income is extremely low. You can compare Alipay's balance treasure. You can see that Yu 'ebao's income is actually very low. The annual inflation rate is about 4%~5%, while Alipay's income is only 2%, so you don't even run the inflation rate. To tell the truth, you are actually losing money. Therefore, as a person who wants to buy wealth management products, he must at least outperform the inflation interest rate, which is usually between 10%- 15%, which is the interest rate of the normal fund's annual income. So for us ordinary people, when we want to make money through finance, we must remember one sentence: if you don't understand, don't invest. This is a word that people in the industry often advise to trust, because the risk is particularly great, and he can even let you go back to before liberation overnight. So before we really invest, we must carefully study and analyze this financial product we want to buy, and make sure that it has a very good upward posture in the future.