Faced with such a problem, Mr. No.1 wants to tell his friends that before making an investment, he must make a detailed investment plan first.
The unused money in different time periods should be classified in detail in order to bring us higher returns.
Friends who want to manage money can divide the money in hand according to the time spent:
1, short-term money: that is, the money that may be used in 1 year;
2. Money used in the medium term: that is, the money that may be used in 1-3 years, and the use of this money is generally clear, such as buying a house and a car.
3. Money spent for a long time: that is, money that will be used after three years, most of which will be used in the distant future, such as education funds and children's adult pensions.
After dividing and confirming the use period of each money in the above way, you can plan the wealth management products that each money can buy in detail.
1. You can choose innovative deposit products from banks.
The term of innovative deposit products of general banks is 1-6 months, and the longest term is not more than 12 months. The income is higher than that of bank wealth management products, about 3.6%-4.6%.
In addition to the appropriate term and interest rate, the biggest advantage of this product is that it is essentially a bank deposit product.
As long as the deposit is less than 500 thousand yuan, it is guaranteed by the "bank deposit insurance" clause, and the security is quite high.
However, this kind of products, because of their high security and slightly higher income than general financial management, are currently issued less by banks.
Generally, only some local banks issue them and even need to snap them up. As banks cut interest rates, the interest rates of such products are also falling.
And there is a great possibility of taking it off the shelf in the future.
2. You can choose to buy regular wealth management products.
I think everyone is familiar with bank wealth management products, but besides bank wealth management, there are also wealth management products issued by securities companies and insurance companies.
These products have a wide range of choices and many platforms, and investors can buy them at any time.
Of course, with the exposure of the "Crude Oil Treasure" incident, such wealth management products seem to be no longer as safe as before, and more and more wealth management products have clearly stated the terms of not guaranteeing principal and interest.
Therefore, when buying such products, Mr. No.1 still suggests that you carefully identify the products and read the product manual carefully. Don't think that the products issued by large financial institutions such as banks are 100% guaranteed.
In a word, Mr. No.1 believes that what investors need to consider is whether they can withdraw the money they need within one year when you need it in the short term.
In addition, the security of this kind of money is also something we need to pay attention to. After all, money needed at any time comes first.
1, you can start buying funds.
Of course, if you have higher requirements for the safety of funds, you can choose to buy bond funds.
Bond funds lend their funds to enterprises and countries, and then charge interest. As long as you choose high-quality enterprises, you can still recover the principal and interest of the borrowed money.
Of course, bond funds are not capital preservation products, and there will be fluctuations in the short term, which requires investors to have certain psychological endurance.
Therefore, when buying bond funds, investors are advised to choose the investment time of 1 year or more.
In this way, most bond funds will not lose money, and the income of bond funds is higher than the wealth management products of financial institutions.
As long as you are patient, you will see a good rate of return.
2. Combination of bank financing and fund investment.
For the money to be used in three years, the average investor has a clear purpose for this money, such as buying a house or a car.
Therefore, it is generally expected that stable income will be realized in about three years.
In this case, it is suggested to try the combination of bank wealth management products and fund investment.
On the one hand, the principal is deposited in the bank for financial management to realize capital preservation;
On the other hand, for the interest charged on a monthly or quarterly basis, you can take the form of fixed investment by the fund to obtain the re-appreciation of interest.
Only in this way can we achieve efficient financial management with retreat as the defense and progress as the attack!
Finally, for the money that needs to be used after 3 years, or the money that will be used for a long time, Mr. No.1 suggested that it is more appropriate to invest in stock funds.
You know, although equity funds don't break even, the income is still considerable.
If appropriate methods are adopted, such as insisting on fixed investment, in the long run, it will far exceed the income of wealth management and bond funds.
However, the key to equity fund investment is to insist on fixed investment, not affected by short-term market ups and downs, and to persist in crossing a bull and bear market in order to obtain long-term high returns.