That is, the risk of wealth management products matches its own risk preference and risk tolerance.
We sorted the related wealth management products and benefits from high to low in terms of security, and everyone can choose according to their own preferences.
No.65438 +0 bank deposit
At present, the benchmark interest rates of the People's Bank of China are current 0.35%, three months 1. 1%, six months 1.3%, one year 1.5% and three years 2.75%. According to the regulations, the bank deposit interest rate can rise by up to 30%, and each bank will adjust the corresponding range according to its own situation, so the deposit interest rate will be different. Theoretically, because small banks have limited access to funds, the deposit interest rate will be higher.
NO2。 Monetary fund
Money fund is deeply loved by users for its high liquidity, safety and convenience. The assets behind it are mainly some assets with very high security, such as bank deposit certificates, national debt, etc., so its yield is low, about 3.7%-4.2%, which will be affected by the supply and demand of money. The main representatives are Yu 'ebao, Baidu Wealth Management Yu 'ebao and Change Pass.
Third, regular financial management
Regular financial management is the first choice for many low-risk preference users because of peace of mind, good income and easy operation. There are three months, six months, 1 year, and the income is about 6%. You can choose according to your own liquidity needs. At present, there are some good products on Baidu Wealth Management (APP). If you are interested, you can have a look.
Fourth place P2P
The risk of personal creditor's rights depends on the overall risk of the platform and the credit risk of the debtor. At the craziest time, P2P did have a number of platforms for illegal fund-raising under the banner of Internet financial management, and the subsequent running did indeed cause great losses to investors. However, with the deepening of supervision, including a series of measures such as bank custody, the remaining P2P platforms are still competitive, and some of them have been listed abroad. However, the security of the platform does not mean whether a single investment is safe. Whether the investment is safe or not depends on whether the creditors repay on time and whether there is enough "risk reserve" to pay for the platform measures when bad debts occur. At present, the revenue of P2P platform is around 7%-9%, and the risk will be slightly higher.
No.5 fund
Funds are increasingly welcomed by ordinary investors because of their characteristics of collective financial management, professional investment and risk diversification. At present, the total amount of public assets of funds registered with fund industry associations reaches11.4 trillion yuan, including 6.3 trillion yuan for monetary funds, 730 billion yuan for stock funds and 0.8 trillion yuan for mixed funds. For investors with certain risk tolerance, if they insist on long-term investment, then fund investment can still get very good returns, but it must stand the test of time.
No.6 stock
Everyone has experienced the risk of stock ups and downs, so I won't elaborate here. However, it is suggested that ordinary investors, especially those with limited time and energy, invest indirectly through equity funds.
No.7 derivative
High-risk, resolutely do not recommend ordinary investors to intervene, many people will lose their money when they step on the wrong risk, even professional investors will sometimes lose their money.
I hope the above suggestions are useful to you.