It is safe to buy and don’t worry about it for a long time. I only recommend one product, which is the broad index fund. Broad index funds do not require buyers to have a lot of financial knowledge. As long as they are bought at a slightly lower position, they can earn after-sleep income by placing them there. Let me talk about several advantages of this type of index fund.

When some people mention funds, they associate them with stocks. They think the risks are too great and they quickly stay away. They are opposed to it in their hearts and don't even want to talk about it. I feel it is necessary to subvert these people’s perceptions: So far, no broad index fund has lost money, there are more or less some profits, and most of them are much higher than bank deposits.

During this period, bank financial management has also experienced a lot of thunder. First, the Qianduan APP, which is an agent of China Merchants Bank, made a storm. At that time, China Merchants Bank’s promotional materials stated: Qianduan was developed by a third-party company entrusted by our bank. Yes, all financial products on Qianduan are the assets of our company and are accepted by our bank, which is safe and reliable. But in the end, more than 140 billion yuan was spent and more than 9,000 families were still mired in claims disputes without a clear reply. Not long ago, ICBC also revealed that financial products were overdue and could only pay principal. Everyone thinks that the safest bank financial management has experienced thunderstorms, but the broad index fund has never made mistakes. It only distinguishes good years and bad years, and extends the time without any risk of thunderstorms.

The broad index fund selects the best and largest companies in the market. If these companies fail, it will affect the foundation of the country. Therefore, as long as you have confidence in the country, you can buy with confidence.

The issuing company of the world's first index fund, Vanguard Fund Company, once made a statistics. In the 80 years from 1935 to 2015, the annualized return rate of the S&P 500 Index was 11.25. From an 80-year perspective, no active fund or financial product had a higher return rate than the S&P 500 Index. .

my country's broad index funds, the CSI 300 or CSI 500 index, have an annualized rate of return of 9.8, which is also far higher than deposits and most financial products. If it is a product like CSI 50, the income can be comparable to that of the best active funds.

Charlie Munger explained the rate of return very clearly. If you choose a product with an annual return of 4 and give up a product with an annual return of 10, you are not giving up 6, but giving up 99. Because under the influence of compound interest, the former will bring 3.2 times of income in 30 years, and the latter can bring 17.4 times of income. It may seem that you have given up only a little bit, but in fact, you may have given up another life.

I have seen many people in the self-media who are against financial management. They only agree with the safest and most capital-preserving deposits. Some even say that financial management is the biggest scam. Nowadays, financial and business courses have been included in the curriculum of many foreign universities. There are special courses, such as "Harvard Financial and Business Courses", which teach people how to manage money, which can be heard on Himalaya.

Knowing a little common sense about economics and financial management is of great benefit to ordinary people.

Financial management must be stable, need not be taken care of for a long time, and the income must be good. Under this requirement, I think there are three levels of products.

The first tranche is five-year time deposits and five-year treasury bonds, because these two types of products have no risk and volatility, and the interest rates are fixed. In 2018, the five-year treasury bond interest rate was 4.27, and commercial There are many five-year bank regular interest rates, and the highest ones of 5.5-5.6 can be achieved. It is placed in the first position because it is absolutely safe, has moderate returns, and does not require any worry during the investment process.

The second level is mainly financial management products. The main types are as follows: rolling open-end financial management (such as the latest net-worth financial management of banks), long-term closed-end financial management. Of course, it is mainly for safety. I mainly choose bond-type financial management, and the yield is also good. Closed-end financial management has a relatively higher yield than open-end financial management, which is more in line with the requirements of the topic. You can’t manage it even if you want to after buying it, and you can’t redeem it. The yield rate is 364 days. Closed-end financial management is generally 4.7 or above 5.

The third level is currency funds and bond funds.

These two types of products basically meet the conditions, but each has some shortcomings. The current main shortcoming of money funds is that the annualized rate of return is too low. Most funds currently maintain around 3, and the rate of return is neither low nor high; bonds The fund's yield this year is very high, with an average of 5.22 for short- and medium-term bonds and more than 5.4 for long-term bonds. However, one drawback is that the volatility is slightly higher than other categories.

The above are some suggestions, but since you choose financial products, don’t hold the idea of ????"fool" style financial management. At least you must know the direction of your choice of financial products. It will definitely not work if you don't ask, or you If you know how to manage your own finances, or you can find professionals to help you manage your finances, you can get high returns.

With the development of the financial industry, the dazzling array of financial products has simply made investors confused and confused about how to choose. In fact, investment and financial management are nothing more than considering three points, yield, safety factor and liquidity. The rate of return and the safety factor are inversely proportional. The higher the rate of return, the lower the safety factor. Therefore, the product that the poster wants can only be a product with a relatively high return rate on the premise of safety.

First of all, Kunpeng recommends bank time deposits. Since the implementation of the bank's self-financing policy, interest rates have increased, especially some local banks and small banks. The one-year term interest rate is 3.0, the three-year term interest rate is 4.25, and the five-year term interest rate is as high as 5.5 or more. In terms of stability, bank deposits are the most stable. Deposits of 500,000 yuan are insured by insurance companies. Even if the bank fails, the bankruptcy principal will not be affected. , and you don’t have to worry about taking care of it, and the income is also good, much higher than that of currency funds.

In addition, online fixed-term financial management products are also good. According to different closing periods, the rate of return is also different, ranging from 3.5 to 5. The closure period ranges from 7 days to 365 days. Invest more in low-risk products, the safety factor is guaranteed, and it does not require troublesome management. You can choose to renew the deposit, and it will be automatically renewed upon maturity, and there will be no gap period.

Of course, the safety factor of bank financial products below PR2 level is also guaranteed, and the rate of return is probably between 3.5 and 5. But it has the problem of a gap period. When it expires, you have to find the next suitable product.