What are the wealth management products suitable for office workers?

China Merchants Bank) China Merchants Bank Wealth Management Products PurchaseAccording to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Wealth Management Products" - "Personal Financial Management Products" - "Search" to classify the product information you need.

1. Savings: The investment behavior that is popular with ordinary households is also the most commonly used investment method, which has safe and reliable procedures, convenient procedures (savings business outlets all over the country), flexible forms, and inheritance. After the bank collects the savings deposit, it must pay the depositor interest, so that the depositor's funds can be preserved and increased.

2. Insurance: Insurance is a financial umbrella, which allows families to hand over risks to insurance companies, even if there are accidents, they can also enable families to maintain a basic quality of life. There are two main categories: property insurance and life insurance.

Life insurance is a type of insurance that pays insurance benefits for the birth, old age, sickness, death and unemployment of a person. There are mainly pension insurance series, return series insurance, personal accident insurance series, etc.

3. :* as a kind of valuable issued by a joint-stock company for the establishment of funds, it is an equity certificate that proves that investors invest in shares and obtain dividend income, with high yield, high risk, transferable, flexible and convenient transactions, etc., and the return on investment can be reflected by calculating the return on investment.

4. Bonds: Mainly refer to treasury bonds, which are bonds issued with ** property and reputation, and treasury bonds can be realized at any time. Although the yield of treasury bonds is not too high, there is basically no risk, and it is the most ideal investment channel.

5. Investment: Investment refers to an investment method in which the sponsor collects the investor's scattered funds through the issuance of bonds (i.e., beneficiary certificates), hands them over to the custodian for safekeeping, manages them to operate, and distributes the investment income to the holders of the bonds. It is the best investment scaffolding tool for family investors who lack time and expertise.

In addition, there are **,**, but these risks are very large, and it is recommended that office workers focus on robust products. If you have enough money, you can consider a property.

1. The return of Minglv demand deposit is the lowest, and the longer the fixed period, the higher the relative rate of return. There are still many people using this method, but the benefits are really low and no one wants to mention it.

2. Many people have no concept of currency, but when it comes to Yu'e Bao, there will be many people who have tried, in fact, Yu'e Bao is a kind of currency**, of course, there are many currencies to choose from in the market, and the annualized rate of return is currently more than 4 points.

3. The risk of investing in bonds is relatively small, the income is relatively stable, and it is suitable as a medium-term investment, and it is an investment method suitable for supplementing and adjusting personal future liquidity funds or emergency reserves.

4. Choose some high-quality blue chips or corresponding index stocks, and carry out a certain amount of pure carrying every other time, and stick to it for a long time, you should be able to obtain objective returns. In addition, you can also add your own operations to the regular investment strategy, such as more ** when the index falls sharply. Also, be sure to stick to a long-term investment strategy.

5. People have long-term worries (pension, children's education) and near-term worries (accidents, diseases), and the best way to deal with these is to buy insurance; The most important thing is to "fit" the investment of insurance, which can not only effectively protect but also obtain a certain income, and at the same time do not add too much burden to yourself.

6. Take out a small amount of spare money, be sure to pay attention to spare money, and have some experience and hone in ** or equity investment, there may be losses, but it will be of great help to your own understanding of investment and establish an investment logic suitable for you.

Purchasing wealth management products is a common asset management method for domestic residents. After all, there is a risk of large fluctuations, which is not suitable for every resident, especially those with low risk appetite. The overall risk of wealth management products issued by banks is less than that of equity assets such as ** and **.

Therefore, many office workers like to buy wealth management products issued by banks.

In daily life, the wealth management products issued by large banks are a type of wealth management products with high customer satisfaction. Ping An Bank's "Everyday Growth" series, Shanghai Pudong Development Bank's "Tian Tianying" series, Industrial Bank's "Daily Life" series, Everbright Bank's "Dinghuo Bao" series, China Merchants Bank's "Golden Sunflower" series, and Industrial and Commercial Bank of China's "Lingtong Express" series of products are all bank wealth management products with high acceptance by domestic residents, and they are also suitable for office workers.

In fact, bank wealth management products are a type of financial products that are publicly offered and issued by the wealth management departments of various banks. The issuance of wealth management products is an important part of the bank's retail business (many banks refer to it as "personal financial business"). For banks, wealth management products are a means to attract residents with a low risk appetite.

When a series of wealth management products of the Bank become famous in the market, some customers who were not originally from the Bank (many banks call them "non-bank customers") will also put their deposits into the Bank for the purchase of wealth management products. When customers transfer their financial assets to the bank, the bank has more means to retain customers' deposits and use them to further expand the bank's business scale.

Therefore, domestic residents usually use bank wealth management products as a "conservative tool" to manage idle funds. In financial markets, it is a basic principle that risk and return are directly proportional. Although the names of the wealth management products issued by each bank are different, the underlying assets and investment directions are similar as a whole.

At the same point in time, the wealth management products issued by various banks have a similar rate of return (there will be some differences in the annualized rate of return of wealth management products of large banks and small banks, but there will be no substantial gap).

Therefore, there are actually a variety of financial products suitable for office workers to buy. Generally speaking, residents tend to use the bank account of their salary card as an investment account for purchasing wealth management products. After all, most residents invest money in salary income.

For listed banks, similar wealth management products issued by each bank have similar product attributes and income levels. For example, if office workers consider the T+0 series of wealth management products, then there is not much essential difference between Ping An Bank's "Daily Growth" series of products and Industrial Bank's "Daily Growth" series of products.

Under normal circumstances, residents can start their journey of purchasing wealth management products as long as they choose a common bank with controllable overall business risks.

Financial products should be selected according to your personal income level, risk tolerance and risk appetite, office workers have a stable job but the salary level is average, you can choose some investments with a low threshold, such as currency, and you can choose to pursue income with a certain risk tolerance.

The financial products suitable for office workers to buy are, treasury bonds, insurance investment, trust products, currency collections, ** products, etc., which are very suitable and do not require too much effort.

People with very high salaries, people with better benefits, people with more free time, people with higher annual salaries, and people with more spare money are all very suitable for buying financial products, and the income is also very considerable.

The wealth management products suitable for office workers to buy include treasury bonds, bonds, products, certificates of deposit, baby products, bank deposits, and currencies.

You can buy**,**, you can also buy**, or buy some insurance financial products, or you can choose to store regularly. All are very good choices.

At this time, his monthly or annual balance of money is fixed, so he needs to divide the money into proportional investment in stable financial products, and a very small part of the investment in aggressive financial products, but before investing, we must understand the product, and we can't blindly follow the investment, and we can't be in a hurry.

It should be a financial management app in the mobile phone, in which you can choose to invest, and all the idle funds can be invested in it, and you can get a certain income every month, and these benefits can also be exchanged for a certain amount of pocket money to use.

Small asset wealth management products, do not buy large products, salary in addition to expenses, but also financial management is not suitable for large products, buy the kind of products that can be used as savings and financial management.

I think that no matter what the salary is, the working person can buy financial products, financial products depend on the size of your own income and high returns, then the risk is high, and the risk is correspondingly smaller if the income is small.

I think the wealth management products suitable for office workers to buy are bank deposits, treasury bonds, ** and so on.

If you are a personal investment and financial management, there are many ways, such as: fixed, treasury bonds, entrusted wealth management, **, etc., if you buy with our bank card, it is recommended that you can go to our bank outlets to consult the relevant advice of the financial manager.

Office workers are more suitable for financial management with stable income and less risk. Because of time and income constraints, you can invest in some baby financial products,** and some insurance financial products.

Yu'e Bao is the most convenient, if you want to transfer more, you can do ** or the bank's zero deposit and lump sum financial management, which is a little troublesome, but the income is relatively high.

This is a good question, now many office workers do not know how to manage money, today I will teach you a trick, now a very good financial product Huilong card, Yingde launched. The yield is very good. There are pictures and truths.

Yue Bao or**,**.

If you want a relatively high short-term flexible income, Jiuyi Wangcai is good, I get some every month, so I can store my heart.

Bank fixed investment, **, insurance, Internet wealth management products, etc. mainly need to plan their own financial management methods and overdue goals, and then choose good financial products to strengthen the awareness of risk control.

Again, diversify your investments and reduce diversible risks.

Through insurance, you are protected, and you are forced to save yourself!