How to choose a bank current and fixed fund?

There is a certain financial foundation, and it is recommended to start with **.

Because the bank's demand deposit or fixed deposit is a fixed interest rate, there is no room for operation, and it can be partially allocated as a risk-free financial management.

**Can be used as part of the gain of earnings.

Bank Current, Fixed, **. Start with a primer and then make an investment plan. It lasted about 3-6 months. The main thing is to learn to invest**. Future earnings** are likely to account for the lion's share.

Bank demand: mainly living expenses and other expenses of each student.

Fixed Deposit: This money is not planned to be used for a period of time in the future.

In fact, you also need a guarantee, which is insurance. Depending on your financial strength, buy an insurance policy.

Everything is ready, start working hard to learn to make money.

If you are a novice in financial management, I think you can choose to reinvest regularly, if **, you must reinvest through learning.

I think we should still choose the bank's fixed term, because the regular interest is relatively high, and at the same time, we should pay attention to help us manage our finances.

Or I don't have a certain fixed term in the bank, but I can also deposit the current account of the bank, so the interest rate will be higher when the two are combined.

If you don't need money urgently, buy a fixed deposit, if you may have something to use money, choose a demand deposit, ** or try not to buy risky.

You can buy the bank's wealth management products, and his income is still relatively high, which is higher than the fixed and current interest.

**Only fixed, no current**.

**Regular investment is the abbreviation of regular and fixed investment**, which is invested in a fixed amount (such as 500 yuan) into a designated open** at a fixed time, similar to the bank's lump sum deposit and withdrawal method. **Fixed investment, Bentong Forest quality is to buy**, in fact, it is to buy a basket**. There are ups and downs, and regular investment equalizes the risk by regularly buying and lifting jujubes.

**Regular investment is mainly based on the large market economy to determine the income, which is not easy to be manipulated artificially, and reduces the risk value of investment. Because the investment period is longer, the risk value is low, and the monthly fixed investment can share the investment risk and cost, and the indirectness also improves the return.

Current financial management generally refers to the financial management without a fixed-term contract or locking the spine period, and the coordination ability will be a little better, but the expected rate of return will be a little lower than that of long-term financial management, and the threshold is relatively high.

Long-term financial management generally refers to long-term financial management, which means that investors will attach great importance to long-term profits and will have them for a long time.

If it is very important to pay attention to the ability to coordinate, in fact, current financial management will be better, if you pay attention to long-term profits, then long-term financial management is a little better, in fact, which is better, or it depends on your own situation, because the situation of each scumbag is different, so you must consider according to your own preferences, choose the right one.

Whether it is current financial management or long-term financial management, these two are all risky, so when you manage your money, you must pay attention to its risks, if you do not have the ability to bear the risk, you can give priority to saving time. You must choose the type of investment according to your own investment strategy: for example, investors who pursue perfection and stability need to buy loans** and bonds**, and investors who pursue perfect higher returns can buy and sell**type**, but the corresponding risk is greater than the first two.

Select** investment method: such as regular investment** or one-time capital investment, some **suitable regular investment** and some are not suitable, investors must make a difference, and you can also cooperate with each other in regular investment** one-time capital investment, reasonable project investment.

1. Manager's operational ability. **The manager's operational ability jeopardizes the good and bad sales performance, and the trend of its net worth. Investors try their best to choose the best supervisors, who have strong operational capabilities and manage them with relatively high expected returns.

2. The phenomenon of investment direction. **Investment direction trend situation, will also affect the trend of net value, investors' future development expected rate of return, investors should choose these ** bid bottom in the upward trend, its development prospects and market prospects are relatively large**.

3. Market trends. Investors in the market trend in the bear market period, try to choose bonds, currency, to prevent risks, in the bull market, investors try to choose the best type, to get more expected yield.

4. Drawdown rate and standard deviation of **. The standard deviation considers the fluctuation range of the total return over a certain period of time, the more standard deviation, the greater the level of possible changes in the net value in the future, the lower the reliability, and the higher the risk. The maximum drawdown rate refers to the larger loss rate that may occur when buying ** at will, the larger the maximum drawdown rate, the more losses, so investors try to choose the lower the standard deviation and the lower the maximum drawdown rate**.

5. The establishment period of ** and its grading status. **The less the establishment period, the smaller the grading level, the greater the risk, investors should choose the longer the trading volume**, the establishment period is at least 1 year or more, the greater the grading level**.

The yield of current wealth management is lower and can be withdrawn at any time, and long-term wealth management may have a higher return, but it cannot be withdrawn at any time. When choosing, you must choose a capable manager, and choose some of the more macro macro to make the imitation good.

Current financial management generally refers to financial management without a fixed-term contract or lock-in period, and the coordination ability will be a little better, but the expected rate of return will be lower than that of long-term financial management. Choose the ideal company: Performance is a reflection of the strength of the team.

Fixed-term financial management, with a fixed investment period, and the contract cannot be terminated in advance within the specified period; Current Savings has no fixed term and can be redeemed at any time.

The difference is that the interest rate of the first is relatively high, and the second Zen is guaranteed for a long time.

**Difference between Regular and Flexi:

1. **Periodic, refers to the deduction time, deduction amount and deduction method agreed by the investor in the relevant sales agency, and the sales agency will automatically complete the deduction and subscription from the investor's designated bank account on the agreed deduction date.

2. The current interest is the current interest stipulated by the bank.

Does it mean a fixed investment? In the case of regular investment, it is to invest in one or several ** stocks on a regular basis every month, and the income is based on the net value of **. The current account is the current interest rate stipulated by the bank. **Regular investment mainly depends on your vision, and the detailed **information can be seen at Huifu Tiantianying.

Answer.

1. It is an investment tool that brings together the funds of many investors, is managed by the client (such as a bank), and is managed and operated by a professional management company, and achieves the purpose of income by investing in bonds and so on.

Current savings is a type of savings with ** as the carrier, which belongs to a new financial derivative product.

Second, its risk is actually the risk of the ** itself:

1. Liquidity risk As far as open-ended ** is concerned, in order to avoid a large number of redemptions by investors when ** turns sharply and damage the operation of **, there is a redemption restriction clause in the **trust deed, which will stipulate that when the redemption amount accounts for a certain proportion of the total net asset value on a certain day, the company has the right to temporarily suspend the redemption of investors. When this special situation occurs, investors may want to sell but cannot sell their holdings. As for the closed-end **, it is the same as the general listing**, when the ** is thin and the trading volume is shrinking, it may not be able to get out smoothly, which is the so-called liquidity risk.

2. Discount risk After the closed-end ** is listed, it will be like the general ** transaction, and the market price after listing will be affected by the supply and demand relationship in the **, and the fluctuation of ** may not be synchronized with the net value. When in a downturn, closed-end is generally at a discount (i.e., the market price is lower than the net value). Because it is closed-ended, investors cannot apply to the company for redemption with net value, so they must endure the pain of "discounting" or "patient trapping" in the centralized trading market.

At present, it is stipulated in the trust deeds of various closed foreign countries that after a certain period of time after the listing of the company, if the discount exceeds a certain percentage for several consecutive trading days, the beneficiaries of the certain proportion can initiate the convening of a beneficiary meeting to decide whether to change the closed type to an open one.

3. Risk management Investors who invest directly may suffer investment losses or no dividends due to the poor operation of the listed companies they invest in, resulting in a sharp drop in stock prices; If the investor chooses the wrong manager company, it may also happen that the performance of the company lags behind the same type due to poor management and operation.

4. Beta (beta) risk **Investment**The use of investment portfolios, although it can diversify the specific risks of individuals, still cannot exempt the risks that belong to the entire market, such as the recession or economic recession of the whole market. In terms of individual **, there will be positive or stable due to the different operating characteristics, so the volatility of ** relative to the entire market will also be different. The risk indicator that measures the degree of this fluctuation is called the beta coefficient, and each ** can find a beta coefficient value that represents the degree of fluctuation in different periods.

5. The risk of the current savings interest rate. If the savings interest rate is higher than the ** yield.

3. The difference between current and fixed savings with banks is shown in the above analysis.

Currency **hail resistance: the risk is slightly higher than bank deposits, you can buy and redeem at any time ** benefits will not be affected, initiating redemption back funds to the account to take about 3 days, when using money to make a budget. yield and a one-year fixed deposit approximately.

Bank deposits are the least risky and the least profitable. The interest income of demand deposits can be ignored, and the interest rate of time deposits will also become the interest rate of demand deposits when you need to use the money when you are in Changzi. In contrast, a one-year term deposit is an ideal time limit because you will not be able to enjoy a long-term fixed deposit when the interest rate increases.

06 07 When the interest rate continues to rise, some people's long-term term is constantly withdrawn and redeposited in advance. After calculating, I realized that my deposit had become a current account.

This is the difference between these two types of financial management. There is no one who is good or who is bad.

**Regular investment is the abbreviation of regular fixed investment**, which refers to investing a fixed amount (such as 500 yuan) into a designated open** at a fixed time (such as the 8th of each month), similar to the bank's lump sum deposit and withdrawal method. In this way, the investment can average the cost, diversify the risk, and is more suitable for long-term investment.

**How to handle the regular investment business.

If you have opened an account, you only need to bring valid documents, capital cards and bank cards to the outlets of the designated agency to sign a regular deduction agreement during the daily ** transaction time, and agree on the monthly deduction time and deduction amount.

If you have not yet opened a ** account, you can apply to open a ** account at the business outlets, and at the same time open a fixed amount business.

If you do not have a bank account, you must first open a bank account for the regular deduction of subscription funds. Account opening and subscription can be handled at the outlets of the agency at the same time.

In layman's terms, it means that you invest a fixed amount of money at a fixed time to buy a certain one, and to buy it, mainly in the bank.