3, yuan can be managed in a variety of ways.

first, the national debt. Usually, the term is longer, and it needs to be purchased at the bank counter. The interest rate is slightly higher than that of time deposits, which is more popular with elderly customers, because national debt is safer, but it is difficult to grab.

second, time deposit. At present, the deposit interest rate has been marketized, and banks can float on the benchmark interest rate set by the People's Bank of China. Due to the influence of policies, the interest rate of joint-stock banks is relatively high, while that of state-owned banks is relatively low.

third, bank financing. At present, the purchase starting point of bank wealth management has been reduced from 5, yuan to 1, yuan, but the higher the purchase amount and the longer the term, the higher the product yield is. You can choose according to your actual situation.

4. Monetary fund or balance treasure. These products can meet the needs of liquidity, but the rate of return is relatively low. If you need to spend money in the short term, you can use these products from buy buy. However, it is recommended not to buy these for large sums of money.

v. P2P products. With the running of P2P platforms, many people are afraid when they hear P2P, but they are not. As long as they choose the right platform, there is no problem, such as Baidu, JD.COM, Wukong Finance and Phoenix Finance.

6. stocks. It is suggested not to buy stocks now. The current stock market lacks the motivation to rise, but it can be bought from a long-term perspective. In fact, financial management mainly depends on everyone's personal situation. Everyone's plan can't be the same, otherwise it won't be called financial management. You can choose a combination of multiple products to meet the needs of asset appreciation and have spare money to use.