I. Bank deposits
In order to be safe and sound, many people will choose to deposit their money in the bank. The picture below shows deposit interest rate, the major banks sorted out in April:
Generally speaking, the deposit interest rates of these big banks are not very high. It is suggested that if you only want to deposit short-term deposits for one to two years, you should choose Bank of Communications, which is 0.5% higher than other banks. If you want to save for a long period of three or five years, it is recommended to choose ICBC. The income is a little higher than that of other banks. If you deposit 65,438+10,000 yuan for five years, the interest is 2,000 more than other banks, which is still very good.
Second, put the balance treasure or the change pass.
Alipay's Yu 'ebao and WeChat's change pass are both money funds, which are safe and flexible enough. Comparing the two, the current annualized income of Yu 'ebao is 1.460%, and the change is good, and the annualized income in 7 days is 2. 1.86%.
Both of them are very safe for funds, and both of them promise to pay, but the interest rate is still low relative to the bank, giving priority to the change pass.
Third, increase life.
To put it simply, life extension refers to the insurance that the insured amount can be continuously increased. ? When applying for insurance, the guaranteed interest rate will be indicated in the insurance contract, which shall not be changed at will and shall be protected by law.
Incremental life is a special saving tool, which is very suitable for friends who don't want to lose their principal but just want to save money steadily. But after paying the money, there will be a closed period of several years, after which the value will increase rapidly.
So how do we choose a good life extension?
The first is the cash value of the specified age, and whoever is tall will choose; Secondly, look at the rules of insurance deduction, generally according to unlimited > current price 20% >; Choose the rule of 20% premium, and whether the money can be used flexibly depends on this one; Then look at some value-added services such as policy loans. If there is a shortage of funds in the future, you can temporarily turn around, and the lower the interest, the better.
There are many life-extending products on the market at present. From the comparison of current prices and the study of product details, I recommend several relatively good life-extending products:
1. Jin Satisfied Collector's Edition: The biggest advantage of this product is that the early value-added speed is very fast, so the funds are also very fast. At the same time, unlike other products, it is not limited by 20% and can be operated directly online. But also support intergenerational insurance, don't worry about the inheritance of funds.
2. Kanggan No.3 Ruixiang Life Insurance: This life extension has a high income, with a long-term income of 3.5%. At the same time, the threshold for starting investment is very low, and only 2,000 yuan can be insured. At the same time, you can apply for insurance reduction after five years of payment, as long as you pay attention that the amount of insurance reduction does not exceed 20% of the paid amount.
3. Pacific partner: the insurance threshold is very low, and the maximum insurance can be 75 years old. As long as the initial investment is 1000, it is also very friendly to people with insufficient budget. Moreover, there is no fixed payment period, so you can choose to pay according to your actual situation, and the increasing coefficient of insurance coverage is as high as 3.50%.
However, we should also let everyone know the disadvantages of improving life expectancy. It takes some time to add value, and if you only buy it for two or three years, you will lose money. Therefore, before taking out insurance, it is best to make a preliminary capital plan and buy some money that will not be used in the short term, so as to avoid losses and make it add value to us in the long run.
Fourth, national debt.
National debt should be regarded as the leader of sound financial management. Although there is no commitment to protect capital and interest, it is guaranteed by national reputation. When the state finances pay back the money, there is basically no situation in which it can't afford it. The yield of national debt is definitely higher than that of banks. In March this year, two issues of savings bonds were issued, with a term of three years and coupon rate's 3%. The term is five years, and coupon rate is 3. 12%, which is higher than the bank term.
The following figure shows the participation mode of national debt:
Compared with fixed deposit, national debt has another advantage, that is, interest is calculated by stages. When withdrawing in advance, the interest is calculated according to the actual holding days and the corresponding interest rate grade, while the time deposit is mostly calculated directly according to the current interest. In addition, the national debt can also be used as a mortgage loan, which can be used if the money is really in urgent need.
Finally, I personally think that eggs should not be put in the same basket, and money should be counted separately. I suggest you diversify your investment, and you can refer to Standard & Poor's family asset allocation ideas:
10% of the money is used as working capital to meet the needs of life.
20% of the money is allocated with insurance to prevent poverty due to illness.
30% of the money, invest within the acceptable risk range, and pursue income.
40% of the money, choose low-risk and stable financial management tools, and let the money slowly increase in value.
The above three methods are all suggested from the perspective of low risk in April. For professionals who are not proficient in financial management, try to avoid contact with some financial products. We should know that it is impossible for any financial product to meet three elements at the same time, namely, low risk, high liquidity and high income.