1. Bank deposit: deposit is the safest investment method. You can deposit 1 ten thousand yuan in the bank, with an average annual interest of about 275 yuan. In addition, the upper limit of the bank's deposit interest rate has been cancelled, and the amount of time deposit interest is completely determined by the bank itself. Therefore, there is no need to focus on big banks. You can pick some city commercial banks or small and medium-sized banks, which are relatively buoyant.
2. Monetary fund: Investing in monetary fund is a high-yield and safe investment. Money fund income is much higher than bank deposits, but the risk of loss is very low.
3. Fixed investment of the fund: at a fixed time, investing a fixed amount and authorizing the fund manager to manage it can achieve the effect of cost sharing and compound interest.
4. Baby products: You can invest in Yu 'ebao, Jingdong Small Treasury and P2P wealth management products. These products have relatively high yield and low risk.
5, stock trading: 1 10,000 yuan stock trading risk is relatively large, the income will not be too high. Of course, if the endurance is good enough and you have certain skills, you can also try it.
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Besides managing money, 10,000 yuan can also be used to invest in yourself. The cost of investment is not only money, but also time and energy spent, which should be counted as opportunity cost. If investment activities affect work or study, it is a bit of a loss. If these energies are put into study, individuals will grow faster.
Investment also includes physical investment, emotional investment and knowledge investment. Spend this 10 thousand yuan on study and improve yourself through reading and textual research. Remember, the best investment method is to invest in yourself. Making yourself more competitive in this society, making your income rise faster, and persistently "investing in yourself" can also produce a "compound interest effect", thus making yourself more valuable.
In short, no matter which financial management method you choose, investors should bear in mind that high returns are bound to be accompanied by high risks. Financial management should not only look at income, but also put the safety of principal in the first place. In addition, don't put all your eggs in one basket, you can choose several financial management methods and invest in the form of combination to realize the appreciation of wealth.