What kind of investment and financial management should you choose?

If you manage your money conservatively, you can choose a financial management method with high flexibility and no risk, such as Yu Yu Bao and Coin Pass, and the annualized rate of return of about 3% also has obvious advantages over bank demand.

In terms of income, with Yu'e Bao, Yu'e Bao's daily rate of return is different, so the final income is also different. It has a specific calculation formula, which is as follows:

In addition, according to the adjustment rules of Yue Bao, at present, only a maximum of 100,000 yuan can be deposited into Yue Bao, and the excess cannot be deposited. Therefore, it is more necessary for you to choose a variety of financial projects to diversify your investment.

What other wealth management products can I buy?

First of all, before buying any financial management, buy 1000 to test the waters, put it for a month, and see the income.

In addition, do not buy those with an annual interest rate of more than 12%, and do not buy those with a regular interest rate of more than one year. If the risk-taking capacity is not high, it is still mainly prudent.

There are the following reasons: the money you have in hand is alive when you are fine, and dead when you have something.

For example, if you suddenly plan to travel with your family during the New Year's Day holiday, what does the budget say?

It is recommended to take out tens of thousands of Yue Bao and eat the current interest of about 3%. Because this money is enough for daily consumption and emergency large consumption.

Then the rest can be invested in stable financial products for regular financial management.

As for the choice of regular financial management, personal advice:

If investors do not have much requirement for liquidity, they can choose from a wider range of options, and can consider short-term wealth management (brokerage + bank, P2P P2B), large-amount certificates of deposit, bank structured deposits, treasury bond reverse repo and other financial management.

1. Short-term financial management (brokerage + bank, P2P P2B).

In a fixed period such as 30 days, 365 days, etc., it is not possible to actively sell, that is, redeem at maturity.

The average annualized rate of return of brokerage wealth management is estimated at a principal of 200,000 yuan, and the expected income for one year is about 9,320 yuan.

P2P P2B, fixed income products, with an annualized rate of return between 6%-14%. This needs to be seen more and the more you know, the more controllable the risks will be.

Stable P2B platforms, such as Unbounded Wealth, have been very stable, with zero overdue in the past 5 years, a fixed income of about 10%, and a VIP entrance (web link) of 500 yuan JD card

2. Large-amount certificates of deposit and bank structured deposits.

Based on the interest rates announced by some banks, the interest rates of 1-year, 2-year, 3-year and 5-year certificates of deposit are respectively19%, which is higher than a regular fixed deposit.

In addition, most of the structured deposits of banks with better liquidity are less than one year and have a yield of about 4%, but now they do not guarantee the principal or interest, and the risks such as income fluctuations need to be borne by themselves.

3. Reverse repo of treasury bonds.

Individuals lend their funds through the treasury bond repurchase market to obtain fixed interest income. At the end of the month, at the end of the quarter, and at the end of the year, the income is as high as 10%, and you need to choose and analyze it well.

Having said all this, the most important thing is to find the right product for you. In fact, there is no right or wrong product, measure your own risk tolerance, and find the right one.

The income is good, I think you can go to the stock crowd investment to understand, the current stock crowd investment ** and financial products as many as dozens of people, should be able to find what you want.

Products with high investment and wealth management returns: trusts.

Trust products are a kind of high-yield products, its income is often more than 10%, the income is high, and the investment threshold is also high, and it takes about 500,000 yuan to enter this market. The investment cycle of trust products is more than one year, which is not flexible, but trust products are relatively safe, as long as they are held for a long enough time, they can grasp their own returns.

The risks faced by wealth management products are:

1. Market risk: Some of the funds of wealth management products will be invested in the market, so there will be risk wealth management products in the market.

2. Policy risk: that is, loose monetary policy or tight monetary policy will affect the fluctuation of the net value of wealth management products.

3. Manage risk: Buying wealth management products is to hand over funds to trusted managers for investment, if the manager chooses stocks or stocks that do not fit the market, the product may lose money, so Qinsun answers investors will also face this risk.

4. Operational risk: Some wealth management products can be flexibly redeemed, and if investors do not operate properly, they may chase up and down, resulting in account losses. <>