I want to manage money, insurance or fund investment, which is better?

Insurance is a must, you divide some funds to buy life insurance, and invest the rest!

There are bancassurance products and **, bancassurance is also a kind of financial products, the income is stable but the profit is limited, compared with the bank on a regular basis is much more suitable, but if you withdraw in advance, there may be losses!

**It's up to you to choose the right direction, I think you can also try it!

You can do some understanding and consult with friends to make these investments!

If the funds allow, I think it's good to invest in many aspects, and all aspects can be satisfied, hehe!

After having a certain amount of savings, people usually consider investing in asset management to resist inflation and avoid shrinking their wealth. Among the many asset management methods, regular investment and bank asset management products are the two more common ones. Next, Jintou will introduce which is better, regular investment or asset management products.

1. Threshold for investment picnics.

**The threshold of regular investment is equivalent to the threshold of one-time purchase, and generally** products are from 10 yuan. The investment threshold for bank asset management products is much higher, with a general investment of 50,000 yuan. Some cash management products lower the investment threshold to 10,000 yuan.

2. Liquidity.

**The advantages of regular investment can only be better played if it lasts for a long time, and it is generally recommended that the regular investment time is more than one year. The investment period of bank wealth management products is large, ranging from a few months to several years.

However, if investors need money**, they can also buy it back at any time. Bank asset management products must be redeemed at expiration, and only some asset management products support non-expired transfer. Therefore, in general, the liquidity and asset management products of ** regular investment are very good.

3. Transaction rate.

**Fixed mold spine shed investment needs to bear a certain transaction fee, and the transaction cost of short-term holding is high. In general, there is no additional handling fee for bank wealth management products.

Fourth, the expected income of the product.

The expected rate of return is related to the type, market and other factors, and the regular investment generally chooses the equity class with large fluctuations, and the regular rate of return can reach more than 8% when it is better. The annualized expected rate of return of bank wealth management products is related to the risk level of the product, which is about 5% on average.

Summary: **Regular investment has the effect of compulsory savings, the investment threshold is low, and the general office workers can participate. Bank deposits have a certain investment threshold, and the expected returns and risks are relatively moderate.

Investors can choose according to their needs, or they can combine two products to diversify their risks.

After having a certain amount of savings, people usually consider investing in financial management to hedge off inflation and avoid the shrinkage of their wealth. Among the many financial management methods, regular investment and bank wealth management products are two more common types. So, which is better, regular investment or financial management?

Let's take a look.

1. Investment threshold

**The threshold for regular investment is comparable to the one-time **threshold, and generally** products are from 10 yuan. The minimum investment threshold for bank wealth management products is much higher, generally 50,000 yuan. There are also some cash management products that have lowered the minimum investment threshold to 10,000 yuan.

2. Liquidity.

**The advantages of regular investment can only be better played by long-term persistence, so it is generally recommended that the regular investment time is more than one year. There are many options for the investment period of bank wealth management products, ranging from a few months to several years.

However, if investors need money urgently, regular investment** can also be redeemed at any time. Bank wealth management products can only be redeemed at maturity, and only some wealth management products can be transferred before maturity. Therefore, in general, the liquidity of regular investment is better than that of financial products.

3. Transaction Rates

**Regular investment needs to bear a certain transaction fee, so the transaction cost of short-term holding will be relatively high. In general, there is no additional handling fee for bank wealth management products.

Fourth, the expected income of the product.

**The expected rate of return is related to the type, market and other factors, and the regular investment will generally choose the equity class with large fluctuations, and the expected rate of return of the regular investment can reach more than 8% when it is better. The annualized expected rate of return of bank wealth management products is related to the risk level of the product, with an average of about 5%.

Summary: Regular investment has the effect of compulsory savings, and the investment threshold is low, so ordinary salaried people can participate. Bank deposits have a certain investment threshold, and the expected returns and risks are relatively moderate.

Investors can choose according to their own needs, or they can combine the two products to diversify their risks.

Summary. Hello, I have seen your question and am sorting out the answer, please wait a minute.

Hello, I have seen your question and am sorting out the answer, please wait a minute.

Hello, the comparison must be more advantageous analysis of pension insurance: (1) The elderly have support. After reaching the statutory retirement age, the insured persons who meet the conditions for receiving a basic pension on a monthly basis can receive a monthly pension for the rest of their lives (2) The basic living is guaranteed.

The level of pension after retirement of the insured personnel increases with the increase in the level of wages of employees.

I have not paid social security, and I have passed the age of paying social security.

If you have passed the age of payment, there is no way to buy this pension insurance

**Regular investment is a financial management method with free time and low difficulty coefficient, which is the best choice for beginners. There will also be many friends who say, **fixed investment did not make money, that is, you fell into **regular investment into a few big pits, today I will talk about **regular investment skills and common pits.

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3. Are bonds** and currencies** suitable for regular investment?

It is best to choose**fluctuate more than that**.

Regular investment originally played a role in smoothing the fluctuations, but some people choose to invest in bonds, currencies, this kind of volatility is small, if the fixed investment bond base or cargo base, there is no meaning.

Therefore, it is necessary to choose the most volatile products for investment. **There are many kinds, but I still recommend buying more volatile partial stocks** or index** fixed investment.

Investment needs a guide, and a mature set of ** courses can allow you to avoid detours: click to learn about "** training camp", and start the road to wealth in 7 days.

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It is only recommended to invest in currencies first**. If you care about why, you can ask why.

Regular investment index**, for example, ChinaAMC SSE 50 ETF****510050 (main**) After buying, your holding cost is yuan. You can buy it again around the dollar. In the future, as long as the **** is below your cost, you will buy it once.

This is a great way to actively invest. can make your investment cost very low. As long as the Shanghai Composite Index** you can make money.

You can buy and sell in the account like **. The minimum number of 100 lots traded.

First, now Alipay has the function of Yue Bao, which can be stored and seen, and it is used alive; Second, if you invest regularly, according to the current economic situation, it is recommended to invest in currency, and you should invest cautiously. Third, when you accumulate 50,000 yuan and above, you can consider the bank's principal-guaranteed wealth management, and the income will be much higher than the current deposit interest rate.

Financial management requires a process that adds up, so it is recommended to stick to it!

Personally, I think the landlord can save for a few months first, and after having 5000-1w idle funds, he can consider managing his finances.

Personally, I think that stable financial management is to deposit in the bank or make ** regular investment, which is a low-risk, low-return type. But there is not much point in investing. Consider using some of the funds to do this.

In fact, the real purpose of financial management is how to improve assets, this is to do some relatively high-risk financial products, I personally feel that the spot is currently more optimistic.

The investment threshold and handling fee are relatively low, suitable for working-class friends, 24-hour free trading, you can manage your money in your free time. And the largest time period is at 20-24 o'clock.

Personally, I think the landlord can learn more about this knowledge. At present, my friends and I are doing spot investment, and I personally think it's okay, you can try it. In fact, sometimes it's more about making friends in other fields.

With the continuous development of social economy, I believe that many friends will choose to buy, to improve their lives to a certain extent, so that the money in their hands can be used, but for many friends, because they don't know anything, to buy ** will suffer huge losses, so many friends will choose to invest **, at this time for many friends, there will be a very big doubt, that is, regular investment** can really be suitable for financial management? In fact, this is indeed the case, regular investment** is more suitable for financial novices.

First of all, we have to pay attention to this problem, that is, because for the financial management of Xiaobai, if you rashly buy, you will suffer a certain loss, and if you choose to invest in one, then it is likely to bring greater benefits to yourself, and you will not care about the amount of benefits, because although the ** is constantly ** and floating, but in fact, the general trend is continuous**, if this time the financial management Xiaobai can go to the regular investment**, Then the income brought by the benefits is also very good.

Secondly, in the process of regular investment, we can protect assets from infringement to a large extent, and although the investment itself is fluctuating, the profits brought by the money actually invested are very considerable, which can avoid us from being psychologically afraid of the rise of the first investment, which is why the financial novice can choose the regular investment, in order to avoid being too blind to envy some of the more volatile. The purpose of this is to ensure that the financial novice has a good financial management intention to a large extent and does not let himself suffer any damage.

To sum up, as a financial novice, regular investment is still very good, which can help financial novices obtain a certain economic income to a certain extent, and can help financial novices reduce risks as much as possible, which is very good and very important for financial whites.

For novices, choosing regular investment wealth management is a good way to invest. It's because:

First of all: ** is a collective asset management plan, so the risk itself is lower than the risk of **;

Secondly: Regular investment is a kind of financial management method that saves time and worry by setting a fixed amount at a regular time, so even if novices don't understand it, they can operate it;

At last; **Regular investment must adhere to investment for a long time to have good returns, novices as long as they stick to regular investment.

Refer to the following methods to make **regular investment:

1. Choose one according to your own risk tolerance, if your risk tolerance is large, choose one with high volatility and high Sharpe ratio; On the other hand, if you are worried about risk, you can choose an index or small index investment.

2. After selecting **, you can make ordinary or intelligent regular investment, and set the deduction date and deduction amount.

3. To adhere to ** for a long time, novices can not see **loss after the redemption**, **will****, so it is easy to chase high.

4. After the regular investment income reaches your ideal position, you can redeem a part of it and buy it back after the first day.

Financial management is not suitable for regular investment, because if there is a mistake in regular investment, then the loss will be very large.

Yes, because regular investment is a common way to share the risk, although the yield will be lower, but it is more secure.

It's still more suitable, and now it's relatively simple to operate, and there is no pressure on Xiaobai to operate.

Fit. It's a novice, and the difficulty of this kind of regular investment is actually not very great. And it will allow you to have a very stable income.