Which kind of micro amount financial products are good, and what are the micro financial projects? W

Judging from the current investment income, the money market** is slightly inferior to RMB wealth management products. For example, the investment period of CEB's RMB "Plan A" wealth management product is 12 months, and the expected maximum annual return is. In the recent market, the 7-day annualized yield of most money markets** is around 2%, and the yield of a few ** is close.

However, the investment in the money market is relatively flexible, and the 7-day annualized rate of return may change with the income of the invested product, the operation of the manager and other factors. Judging from the experience of mature capital market operation, the reasonable annualized rate of return of the money market** has been maintained at the level of 2% for a long time.

However, when it comes to the liquidity of investments, the money market** clearly wins. According to the reporter's understanding, due to the mediocre response to medium and long-term products in the market, most banks have canceled such RMB wealth management product plans and instead focused on three-month, half-year and one-year short-term products. Even so, the liquidity advantage of investing in the currency market** is obvious.

Most money markets** can be subscribed and redeemed at any time, and redemption can be carried out from the second business day after ****. If you want to spend money on Wednesday, you can redeem it on Monday, and it can be done 2 business days in advance. The money market** also does not have the opportunity cost of investment because there is no "regular" requirement.

Therefore, for some idle funds on hand, if the liquidity requirements of the funds are relatively high, they may be used at any time, and investing in the money market** is a good choice.

Regular investment, you can try it** Recommend Joy Finance, there are more consultations There is always something suitable for you.

Some investors want to manage money but feel that there is less money, and secondly, they don't know how to manage small amounts, so what are the small financial management projects? What are the micro-wealth management products? Relevant content has been prepared for your reference.

What are the microfinance projects?

If you are a conservative investor, it is generally recommended that bank fixed deposits, bank fixed deposits are relatively low, as long as 50 yuan can be deposited, bank fixed deposits compared with current deposits, the interest is higher.

If you want to pursue income, then you can also consider some currency ** financial management, currency ** is mainly invested in the currency market, the risk is relatively low, the flexibility is relatively good, the possibility of long-term holding to make money is relatively large, the possibility of loss is relatively small.

What are the micro-wealth management products?

Small financial products include Yu Yu Bao, change pass, bank deposits, current wealth, current profit, Chao Chao Bao, Chao Chao Ying, etc., investors can choose according to their own situation, for example: if you usually pay with Alipay more, then you can consider Yue Bao, if you use WeChat payment more, then you can consider change pass, if the money is in the bank card, then you can consider bank financial management.

Take bank wealth management as an example: the lowest risk of bank wealth management is the R1 risk level, investors can refer to the past performance when choosing wealth management products, try to choose good past performance of financial management, when choosing more comparison, choose a good bank financial management, long-term holding will make more money.

Some people always think that the threshold of financial management is relatively high, and it takes hundreds, thousands or even tens of thousands to buy, in fact, the threshold of financial management is not relatively high, and there are also low thresholds, for example: one yuan can be purchased, financial management is a process of accumulation, so what is better to buy for small financial management? More reliable?

1. Buy low-risk financial management

Buy low-risk financial management, it is not easy to lose, for example: low-risk financial products, the risk is relatively small, the income is relatively stable, some investors may not know to find low-risk financial management.

In fact, there are Alipay and WeChat, bank APP, generally low-risk financial management will be marked, investors pay attention to the details of financial management, some specific rules of financial management, because some low-risk financial management will have a deadline.

Take Alipay as an example: Alipay's live money management is low-risk, and it is also relatively reliable, there are a total of five currencies **, namely: Great Wall Income Treasure Currency A**, Southern Cash Profit Increase F**, Bosera Hehui Currency A**, Xing Tianyi Money Market A**, Hui Tianfu Income Fast Money Currency C**.

2. Buy financial management with a low threshold

There is a threshold for financial management, for example: some bank financial management has a relatively high threshold, starting from 100,000, but some people do not have so much money, so when looking at financial management, it is necessary to look at the threshold of financial management, and small financial management should choose a low threshold.

Take China Merchants Bank as an example: Chao Chaobao is a change wealth management product of China Merchants Bank, its yield is higher than that of ordinary currency**, it is a fixed income product, and the threshold is relatively low, and you can buy it for a penny.

What are the types of small investment and financial management?

Compared with the tepid insurance market, the expected annualized expected return type of insurance has been highly sought after by people as soon as it has been. There are generally many types of expected annualized expected return insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of expected annualized expected returns, which can be described as a win-win situation for protection and investment. Therefore, the purchase of expected annualized expected return insurance is expected to become a new investment and financial hotspot for individuals.

Insurance is a financial umbrella that allows families to hand over risks to insurance companies, even in the event of an accident, allowing families to maintain a basic quality of life. Insurance investment may not be the most important in a family's investment activities, but it is the most necessary.