White collar investment and wealth management, are there any recommendations for safe financial prod

The safest should be the currency**, it is not recommended to buy Yue Bao, you can find some other currencies with higher returns in Alipay**. The second is the bank's wealth management products, and there are also some in Alipay's wealth column, which you can take a look at. The others can be bonds, but the short-term returns are not very good, and the long-term is okay.

Dear, there are really too many investment and wealth management products, how to recommend this, there are currencies in the market, large certificates of deposit, bank deposits, treasury bonds, trusts, insurance, etc., as our white-collar users, mainly to see their own financial resources, the investment starting point of different products is different, and the corresponding risk level is not the same.

Nowadays, there are many investment products, and I think the main purpose of white-collar investment is mainly to protect their own assets, and then to achieve appreciation. But all investment, need investors to understand the project, understand his operating model, to put it bluntly, how do you make money, before you invest, you must understand that all investments are risky, to be clear about whether there is a guarantee behind the risk of each product, all investments that do not talk about protection are hooligans, recommend you a few relatively low risk: state bonds, bank deposits, debt investment.

Most of the bank's wealth management products are ***, not **. The safest is the national debt.

The wealth management platform that can be launched in the five major state-owned banks and some large joint-stock banks is still relatively reliable, such as some structured deposits, state bonds, and you can also choose the currency carried out by some banks**, which are relatively safe and for reference only.

What are the safe financial products on the market that can be invested in Zheng Lipin, and what is the difference between these products? We use returns as an indicator and analyze them in order of risk and return from lowest to highest.

First of all, treasury bonds and deposits, which are the ballast stone of China's financial system, put the day the sea is dry and rotten, nothing can happen, treasury bonds are China's highest credit level of investment and wealth management products, is backed by the country's credit, deposits have the deposit insurance protection regulations of the rotten hall protection, within 500,000 principal and interest guarantees, bank bankruptcy does not have to worry about not getting the principal. But don't expect too much for the benefits of both.

In the upward is the currency ** product represented by Yu Yu Bao, the currency ** is actually a very low risk product such as bonds and deposits for investment, but because it is the ** company shouting to operate for the customer, so people get the VIP **, generally speaking, the overall return of the current currency ** can be about 2%. Basically, there is no risk, and there has never been a loss of Yue Bao.

If you still want to challenge higher returns within the safe boundary, then the bond type ** can consider the amount, the essence of the bond type**, simply put, is to buy some corporate IOUs through the ** company and then you and the ** company to share the interest of these IOUs equally, the high yield can be close to 10%, and the general income is about 4% to 6%.

However, it should be noted that bonds** cannot be as risk-free as deposits and currencies**, and bonds ** are likely to lose money.

In the upper part of the field, it is relatively more business-oriented, such as index**, partial stocks**, ** and so on.

You can choose the bank's wealth management products, and then choose the financial products that have not been changed, you must pay attention to the value of the income, to avoid losses, and then when you choose financial products, you can choose the real estate wild code, you can choose the dry ridge judgment **.

You can invest in the bank's **, and you can also invest in treasury bonds, which are very good, and the special beam sedan is not suitable for office workers to invest in it is always good, and it will definitely be able to return to the capital.

You can buy bank wealth management with spare money, and the income of bank wealth management is relatively stable and will not lose money, especially suitable for office workers.

We should know how to understand and master the technical characteristics of a financial product to better maximize our own interests, and we must also know some basic common sense of financial management in order to face the risk problems that arise when financial products.

1. The more money you have in your current account, the poorer you will become. Whether it is to buy fixed deposits, treasury bonds, **, wealth management products, any kind of low-risk investment is better than putting money in a current account.

2. The fixed deposit money can be taken out in advance, but there is no interest on the early withdrawal. Therefore, the current Luyin shed money exceeds your living expenses for a month, please do not hesitate to buy a fixed deposit immediately, accumulate a lot, and the interest after one year is also very considerable.

3. Don't use the installment payment and cash withdrawal function of the credit card, and don't listen to any propaganda of zero interest. With or without interest, there are high additional costs.

4. Start with small-risk financial products, and the first financial product you should not buy is **. Bonds** and treasury bonds are very low-risk investments, but the comprehensive return is much higher than that of fixed deposits in good years.

5. The way to avoid risks is not to only buy low-risk products, but to allocate different proportions to high-risk and low-risk wealth management products.

6. Ordinary people don't speculate, don't chase up and down, just look at the price once a month, and set an alarm to sell more than how much. It's okay, don't cut the meat, make sure that the money in the ** is trapped, and you won't be in pain, so that you can make money.

Financial management is a lifelong event like work, and financial management must bear risks, and if you do not manage your finances, you must also bear the risk of money depreciation. Money is not in a hurry, don't pursue overnight riches, there is nothing new under the sun, work hard, manage money seriously, work steadily, have a house and a car, and financial freedom is only a matter of time.

Common sense 1: When managing money, you should be prepared for emergency money.

Some investors like to buy all the funds to buy financial management when they manage their finances, but some financial management has a time limit, when they need to use money, there is the possibility of not being able to withdraw money, so when managing money, they should prepare an emergency amount of money, generally 6 months to a year of living expenses, this money can be stored in Yue Bao, change pass, currency ** can be, because the liquidity of this kind of current financial management is relatively good.

Common sense 2: When managing your finances, you should prepare for your future living expenses.

When managing money, it is necessary to take into account the possibility of using money in the future, this money is very necessary, if you encounter unemployment, illness, you can also take it out at this time, you can consider saving three to five years of living expenses, stored in the bank term or treasury bonds, you must choose the risk is small, it is best to protect the principal.

When depositing in the bank fixed deposit, you can consider depositing in batches, because the interest on the bank fixed deposit is calculated according to the current interest, and if it is deposited in batches, it will only affect one of the interest, but not the interest on other deposits.

For financial novices, it is very important to choose a stable way of managing money. Here are some of the best ways to manage your money:

Time deposits are a non-risky way to manage your finances, with a relatively stable interest rate, which is suitable for short-term value preservation and storage of reserves. For financial novices, they can choose a longer term time deposit, on the one hand, they can get a higher interest rate, and on the other hand, they can also exercise their long-term investment awareness.

Currency** is a relatively safe financial product with relatively low risk and stable yield. The underlying assets of a currency** are usually bank deposits, short-term bonds, etc., and the stability of these assets is relatively high, so the risk of the currency** is relatively low. For financial novices, currency** is a relatively easy to understand and relatively safe way to manage money.

Insurance products are a form of risk management that provides some protection when risks occur, and are suitable for long-term planning and asset protection. However, insurance products are relatively more complex and require rational choices, which requires financial novices to carefully understand the insurance type, payment period, coverage and other aspects of the product, and pay special attention to the high and irrevocable insurance costs.

The underlying assets of bonds** are usually treasury bonds, corporate bonds, etc., and the risk is relatively low. The risks of bonds** are mainly interest rate risk and credit risk, and for financial novices, they can choose to invest in bonds with large scale, standardized management and stable performance.

The wealth management plan issued by the bank is usually a very flexible wealth management product, which is suitable for short-term wealth management and flexible use of funds. The characteristics of the financial plan are low investment threshold, relatively high returns, and strong flexibility, which can better adapt to market changes. For financial novices, choose some stable financial plans, be familiar with the market, and the financial income is likely to be good.

The market is risky, but some large companies have the characteristics of high stability and security, which can be used as a choice for financial novices. For this kind of investment, it is necessary to pay attention to the analysis of the company's fundamentals, industry prospects and other aspects, and avoid following the trend to buy or blind impulsiveness.

In general, although the returns of these financial management methods are low, their flexible application can help financial novices advance steadily and lay the foundation for more risky and high-yield financial management methods.

At present, there are many types of personal investment and wealth management products, including baby currency, large certificates of deposit, smart deposits, treasury bonds, trusts, insurance, etc., the investment starting point of different products is different, and the corresponding risk level is not the same, so you need to choose products that suit your risk appetite, target income and liquidity preference.

For example, the current product "Sanxiang Bank Current", the income can be withdrawn in advance, deposited and withdrawn at any time, interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no trading day limit, no limit limit, 100% compensation within 500,000 yuan;

For example, the fixed-term bank wealth management product "Revitalization Smart Deposit", with an annualized rate of return of about it, is a bank deposit product, with 100% compensation within 500,000 yuan, which is suitable for stable and above investors;

We hope you find the above information helpful. Investment is risky, financial management needs to be cautious, please choose a product that suits your risk appetite and is familiar with you.

Can you introduce the easier investment and financial management? After listening to the opinions of others, you still need to think carefully about financial management. Here are some suggestions that I hope will be useful to you.

1. P2P online lending platform.

P2P online lending platform is now no one who does not know, simple understanding of P2P

The platform is a kind of Internet intermediary that connects investors and borrowers, and individuals can not only use their spare money to invest on the platform, but also ask for help when they have financial needs. This fast-growing emerging business is a very popular and grassroots choice for both investment and borrowing.

Second, Yu Bao.

I believe that the post-80s who love online shopping must be very familiar with Yu'e Bao, yes, the promotion of this currency** product on the ** platform can be described as overwhelming, and it also leads more Internet companies to participate, and the financial products of Yu'e Bao are now varied. Follow.

P2P investment is different, the currency ** risk is small, the income is stable, the transfer of funds in and out is very flexible, of course, it is inferior to P2P in terms of returns

Investments in online lending platforms. However, compared with the bank's deposit business, it is much higher, and it is also a very grassroots financial management method with a low entry threshold.

Three**. **The popularity of investment, the "post-80s" will naturally not miss it. Of all the investment vehicles, ** is arguably one of the highest returns, especially from a long-term investment perspective. Of course, there are many people who want to invest, but do not have the professional knowledge of investment, so they can also choose to entrust experts to make investment choices on their behalf, that is, investment.

**With the advantages of expert management, scale advantage, risk diversification, and considerable returns, the risk is small, and it can also save time and trouble, which is the best investment tool for investors who lack time and professional knowledge.

4. Savings. Increasing capital guaranteed wealth management products is the best choice in the current financial crisis, and asset allocation should be based on stability to enhance the ability to resist risks. The post-80s generation can choose bank option wealth management products to protect the principal and resist inflation risks. Of course, you can also opt for a safe fixed deposit, which is more secure than the interest rate.

5. Insurance. Buy insurance.

If there are elderly people in the family who need to be taken care of, it is especially important to purchase insurance protection as soon as the financial conditions allow. It is recommended to choose critical illness insurance that focuses on protection, or investment-linked insurance universal insurance that integrates protection and investment, and the premium is recommended to be paid in installments, which can also save existing funds to facilitate liquidity.

The specific one still needs to be analyzed and selected according to your own situation.