What else can we invest in besides P2P

1.Buying treasury bonds and corporate bonds: conservative financial management.

It is wiser than depositing in the bank. It is a little higher than bank interest, and government bonds are also exempt from interest tax. At the same time, it can be easily realized through market transactions.

It is equivalent to receiving regular interest in the form of a current account. Risk: National coups, national wars will cause national debt to turn into waste paper.

The failure of a company will lead to problems in the payment of corporate bonds.

2.Buy Currency**: Prefer active and conservative financial management. Currency**With its professional advantages and scale advantages, you can obtain a slightly higher yield than the bonds themselves by buying and selling bonds.

3.Buy**style**: active financial management.

For people who lack professional knowledge, buying **style** is a good choice, **through professional advantages and portfolio investment, you can often earn higher profits than ordinary**. Risks: Risk of market volatility, moral hazard of managers.

Like state-owned enterprises, there are such and such non-standard problems, and the problem of rat barns is a small problem, and the most feared is the transfer of interests.

1) Bank deposits.

The return of the current account is the lowest, and the longer the duration of the term, the higher the relative return. There are still many people using this method, but the benefits are really low and no one wants to mention it. Therefore, conservative investors can choose bank deposits, but they have to accept the disadvantages of low interest rates.

2) Currency**.

Many beginners have no concept of currency, but when it comes to Yu'e Bao, there will be many people who have tried it, in fact, Yu'e Bao is a kind of currency**, of course, there are many currencies that can be selected in the market, and the annualized rate of return is currently more than 4 points. However, the interest rate of Yu'e Bao is also very low, which is comparable to bank deposits.

1. Fixed deposits.

Bank fixed deposits generally have a minimum of 3 months and a maximum of 5 years, and the interest rate is proportional to the length of the term. The risk of bank fixed deposits is very low, but the interest rate is also very low, and some bank interest rates will rise by about 10%, from the perspective of financial management, investors should also "shop around" when choosing time deposits. The annualized rate of return is in.

2) Currency**.

Currency**1 yuan to invest, even more 1 cent can be purchased, the threshold is very low, and with the deposit and withdrawal, very convenient. The most famous currency** is Yue Bao. Currency** is mainly used to invest in treasury bonds, bank deposits and other high-security, stable income**, and its investment direction determines the currency** The possibility of loss in theory is very small.

Internet babies led by Yu Bao have sprung up like mushrooms since last year, but the yield has begun to decline this year, but it can basically be maintained at about 4%.

3. Treasury bonds. Treasury bonds are the first choice for low-risk financial products in addition to time deposits, and the **** promises investors to pay interest and principal within a certain period of time, so theoretically there is no risk. However, the disadvantage of government bonds is that they have a longer maturity, and the common ones are three-year and five-year government bonds, which are not suitable for people who have fewer assets and need to use the remaining funds at any time. Treasury bonds can be applied for for 100 yuan, which is one of the safe financial products.

The 3-year annual interest rate and 5-year annual interest rate of the first batch of treasury bonds issued in 2017 not long ago are higher than those of ordinary bank fixed periods. The disadvantage of treasury bonds is that the investment period is long, as short as 3 years, as long as 5 years, and the liquidity is a bit poor.

4. Bank wealth management.

As a more familiar financial management method to the public, bank wealth management is still standing no matter how the wealth management market changes. The biggest feature of bank wealth management is that the risk is low and the income is stable, and the bank represents safety in the eyes of investors. At present, from the perspective of the bank wealth management market, the income can reach 5%, which is good.

If you want a higher return, then it may be a product with a longer term, or a high entry threshold and a higher risk level. If you want safe and efficient wealth management products, you can choose the wealth management products of city commercial banks and joint-stock banks with moderate term and low risk, and now the online operation is also very convenient, and you do not need to go to the bank counter in person. However, not all bank wealth management products are low-risk.

Bond-type bank wealth management products mainly invest in the money market, including short-term treasury bonds, financial bonds, central bank bills, etc., so the risk is relatively low; Structured wealth management products may be linked to high-risk industries such as **, oil, **, etc., so the risk will be very high.

5. **Regular investment.

**Regular investment, generally speaking, an investment consists of two factors, one is the investment target, and the other is the trading timing. **Regular investment removes the factors of short-term market ups and downs and the huge pressure of "choosing time", and extends the term to distribute the risk to each month, such as the index** to choose the investment target and investment amount by itself, reduce investment costs, allow investors to reduce blindness, and achieve the purpose of forced savings.

It is recommended that you manage your money through banking channels. At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

Investment real estate may be the fastest appreciating at present, the safety factor is still high, but the threshold is too high, and other risks such as ** are too great, P2P is different, the threshold is low, and the income is not cheap, so it is deeply loved by the masses, but investment is risky, financial management needs to be cautious, it is recommended to carefully select the platform.

First, compared with private lending, P2P financial risk control is relatively standardized. Private private lending is essentially a traditional credit loan, and most of them type an IOU and then sign it in black and white. If the borrower defaults, the only way to recover is to go to the door.

P2P financial management procedures are complete, and the borrower's guarantee contract and mortgage contract are clearly visible in **. Private lending has basically no risk management for borrowers, and whether the borrower can repay the loan on time often depends on his character. P2P wealth management has a professional risk control department, which will inspect and track borrowers before, during and after the loan to ensure the safety of investors' investment.

Second, compared with trust wealth management, P2P wealth management has a low threshold and is suitable for ordinary investors. The capital threshold of various trust products of trust companies is often more than 1 million yuan, and ordinary investors can only be turned away. The investment period of trust wealth management products is generally between 1-2 years, and it cannot be transferred, which can easily lead to insufficient investment motivation.

P2P wealth management can be invested from 100 yuan, which can greatly meet the financial needs of wage earners.

Third, compared with bank wealth management, P2P wealth management has a higher rate of return. According to relevant statistics, in the first half of 2015, the average rate of return of bank wealth management products was 3%, while the nominal rate of return was as high as 6%, that is, the income was collected by the bank in the name of management fees. The P2P wealth management is clearly priced, and the income is generally between 7% and 11%, which can be reached by small wealth fans, which is 4 times that of bank wealth management products.

First, from the perspective of the investors themselves.

With the rapid development of Internet finance, more and more investors have mastered a large amount of information, especially the current financial management group, reflecting the trend of youth, they are deeply affected by the Internet, active thinking, advanced consciousness, like and have the courage to accept new things, but the reality of the living environment has a profound impact on them, employment, buying a house, buying a car has become an eternal topic for most people, and the fixed salary every month can no longer meet their needs for pursuing an ideal life, so financial management has become an important means of accumulating wealth. And the income from investing in P2P is more than that of bank fixed deposits.

Second, from the perspective of platform characteristics.

1. The minimum investment amount is low.

Traditional financial management, such as bank financial management, generally has a minimum investment of tens of thousands and hundreds of thousands, and this minimum investment threshold will turn away many ordinary office workers. And this investment threshold is low.

2. Simple operation.

This does not need to be like **, foreign exchange and other investments to keep looking at the market, nor do you need to often dry up the Qin to sell and other operations, only need to use a computer or a mobile phone to easily complete the investment operation. The only thing you need to pay attention to is the maturity date of the payment, when you can withdraw or continue to invest at your own discretion.

3. The income is relatively high.

Investment and financial management are the ultimate goal. I chose to invest this because its return on investment is several times higher than that of traditional financial management, and although the interest rate of all platforms has decreased, it is still several times the interest rate of bank deposits.

4. Strong risk controllability.

The essence of finance lies in risk control, and risk control is not the soul and core competitiveness of a platform. The strength and professionalism of risk control can roughly get a glimpse of how far a platform can go. Therefore, it is necessary to clarify whether the credit review system of the platform is perfect, whether the borrower's information is fully disclosed, whether the loan is overdue and whether the repayment is ***, etc.