A: I have both of them, but I buy and hold them in more detail.

The main ways of my financial management now are bank deposit, Alipay's regular financial management, fixed fund investment and stock combination.

The advantage of doing this is to spread the risk of wealth management investment, and to ensure positive returns on the premise of ensuring the flexibility of funds. How to allocate the specific proportion is as follows:

1.3% of the total funds are used as three-year time deposits in banks, and the general interest rate is 3.2%. In case of sudden use of big money, you can withdraw in advance, but you don't have to borrow at the expense of a little interest.

2.4% of the total funds are used to purchase Alipay's fixed-term wealth management. Its advantage is that the annualized rate of return is much higher than that of bank time deposits. At present, the annualized rate of return of one-year wealth management is above 4.5%.

3.25% of the total funds are used for fixed investment of the fund to pursue higher returns. Generally, two bond funds are purchased for long-term investment, and then two equity funds are purchased for pursuing high returns.

4.5% of the total funds are used to buy stocks to pursue explosive returns. Of course, at present, this piece is still a heavy loss, with a loss of as much as 3% of the gold. Fortunately, it takes up less total funds, and more than half of other wealth management income can be used to offset it every year. If there is a bull market, I think it is still very likely that wealth management income will explode.

for example, suppose I have 2, yuan, of which 6, yuan will be deposited in the bank with interest income of 1,92 yuan a year, 8, yuan will be deposited in the fund with income of 3,6 yuan, 5, yuan will be deposited in the fund with income of 3,2 yuan, and the remaining 1, yuan will lose 3, yuan in the stock market, and the income will still be maintained at 5,72 yuan a year.

If the stock can make money, the income will definitely skyrocket. On the contrary, if the risk is high and the investment is large, once you lose money, you will face the risk of shrinking your funds.

Therefore, financial management is not just about saving money in the bank or using the money for the fixed investment of the fund. It is too simplistic, and its ability to prevent risks is too low. Either saving money in the bank is too low to win the inflation rate, or buying a fund will seriously shrink the principal when it encounters a bear market. Only by reasonable distribution can the funds roll farther and farther on the snowball road and become more and more huge.

personally, I am more used to buying funds than saving money. It has been more than two years since I first invested in the fund on Ant Wealth. By the end of September, my fund income was positive. I calculated that the income is higher than the time deposit in the bank. Some have an average annual income of over 1%. Of course, if you asked me last year, my funds were all negative. Since it is a fixed investment, it must be invested for a long time, and there are short-term risks. You have to use spare money to invest in the fund. I put the petty cash at home in the money fund, so I can take it whenever I need it. Etf funds are bought in stock accounts. Because I am involved in stocks, funds and futures. I'm worried that my money will be lost, so my husband has some money in his hand, and he keeps it all in the bank, so the bank feels safe for him.

At present, the one-year fixed deposit interest rate of the four major banks is 1.75%. Except that the annual real rate of return on inflation is negative, the funds are slowly shrinking. In contrast to the fund situation, the hybrid funds have increased by about 7% this year, and even the low-risk bond funds have reached 16%-2%, so it is a better choice to invest in funds with spare money. Of course, you can't blindly invest in funds. Before investing, you must first understand and be familiar with the knowledge of funds. The benefits will always coexist with risks, or that there is a risk in entering the market, and investment needs to be cautious. Finally, I wish you all a lot of money!

As for the question of saving money or investing in funds, I prefer to invest in funds. Why?

1. A suitable investment fund can make Qian Shengqian, and the fund can buy regular funds with guaranteed capital, and can also invest in the fund, which is more flexible and the income is stable.

2. If you only deposit money in the bank, the income is really too low. At present, the domestic inflation is relatively high, the RMB depreciates faster, and the purchasing power of the same money is getting worse and worse. The high and stable purchase income can keep your money from shrinking.

3. By investing in funds, we can learn more knowledge, which is still helpful to our life and work.

4. Flexibility. If it is a bank demand, there is basically no interest. If it is a fixed term, it can't be withdrawn in advance, and there will be no interest if it is withdrawn in advance. However, if you buy a fund flexibly, you can buy it and sell it with it.

Generally speaking, buying a fund is definitely better than saving money. I hope it can help you. Thank you!

Look at the picture and talk

Hello, this is a good question. Saving money is still an investment fund. From the perspective of capital risk, saving money has no risk, and at the same time, you can enjoy certain benefits. Investment fund financing risks will be higher than saving money. However, stock funds will always return to value after investing in funds every month to reduce costs. Therefore, it is recommended to invest in funds in the bear market stage. Of course, you have to save an emergency fund yourself, and then it is better to invest in the fund. I hope I can help you.

There are also many kinds of funds. Monetary funds can replace demand deposits, bond funds can be allocated in the short and medium term, and stock funds can be allocated in the long term. Deposits are the safest and most basic assets, and some of them can be reserved for emergencies, and the rest should be considered for preservation and appreciation. Low-risk wealth management products of banks can also be configured as part of the second-tier security cushion.

Generally speaking, it is necessary to increase passive income and reduce the proportion of active income, so that money can be changed and Qian Shengqian can achieve financial balance and pursue financial freedom.

deposit and invest, and the proportion changes with the stock market. Simply saving money is risk-free, but the income is low. Simply investing in funds is risky, but the income is high. The combination of the two is the best choice for ordinary people. I think so, and I do so, only for individuals. What others do, choose.

There is a saying. You can't win anything, but you must beat inflation.

I didn't inquire about the annual inflation rate, and I didn't pay attention to the bank deposit interest rate. But if you want to beat inflation just by relying on the deposit interest rate, it is very difficult. If you have money, make good use of it and let it help you make more money. It is a waste to save it.

Actually, it depends on this. It's not practical to buy a fund.

I think it's safe to deposit money in the bank.

Some people may be bolder and choose to buy a fund, but they should also be prepared for losses.

My idea is that we will choose to buy a little fund because we don't know much about it. Just buy it rationally.

Actually, buying funds is all about earning pocket money. Life is not easy

It's all about making a living.

So I can save money and buy funds.