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If you want to manage your finances, don't be superstitious about any financial institution, for any family, saving surplus money should not be the ultimate goal. However, everyone wants to make good use of the surplus money, effectively and without any risk, in other words, the surplus money can be used to really make money.
However, under the influence of the fierce waves of the international financial crisis, even the national bank that the people trust the most has put forward risk warnings, which makes people not only have doubts, but also dare to invest in financial management?
There is a saying: If you don't manage your money, money won't care about you. If you only adopt the method of saving, you can only get the result of depreciation and loss.
Therefore, it is necessary to participate in financial management. It is recommended to adopt the internationally popular three-way method, that is, divide the money to be invested in wealth management into three parts: 1) buy investment and wealth management products with an expected annualized rate of return of more than 20%; 2) Buy trust investment and wealth management products above the expected annualized rate of return; 3) Buy the investment and wealth management products of the banking system that can guarantee the principal of the regular investment**.
The advantage of this is that the risk of improper investment can be minimized on the premise of obtaining higher returns.
The specifics, more detailed matters will be immediately clear on the Internet.
Why should you choose a wealth management product like Easy Access Loan? Because the wealth management products of Yitong Loan are online finance, which is an emerging financial system that has been developed since 2011, most of them have a starting point of 100 yuan, and the yield is generally very high, and they are guaranteed by third-party payment and other measures for safety.
Why should you choose trust wealth management products? Because, as the saying goes, trust is trust entrustment. Our country's financial system is made up of:
banks, insurance, ** and trusts. The Trust Law stipulates that trust refers to the act of entrusting the settlor's property rights to the trustee based on his trust in the trustee, and the trustee will manage or dispose of it in his own name for the benefit of the beneficiaries or for specific purposes according to the settlor's wishes.
That is, when the trustee goes bankrupt, the settlor's property is not lost, and a higher return is guaranteed.
Why do you choose regular investment**also known as**regular investment? **Regular investment, also known as lazy financial management, is most suitable for office workers who have just joined the work, or who need to use a sum of money at a certain time, and those who cannot bear greater risks. **The characteristics of regular investment are:
The starting point is low at least 100 yuan to build accounts, the procedures are simple, time-saving and labor-saving, regular investment does not need to take care of the time, there is a compound interest effect of up to 20%, the risk is small, according to the statistics of the foreign financial system, some of the ** fixed investment for 10 years without loss. It is a small investment plan, the first choice for accumulating less money for more money.
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Investment is risky, and there are many uncertainties and risks in the investment market, so the wealth management products we buy are all risky, but the risk level is high and low. Wealth management products are mainly exposed to redemption risks, policy risks, man-made risks and force majeure risks. In addition, force majeure factors such as natural disasters and wars may also seriously affect the normal operation of wealth management products.
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Yisheng Fortune Yueyuexin annual yield of 6%.
Which is the best short-term wealth management product for one month? In order to meet the needs of many short-term wealth managers, Yisheng Wealth (
Recently, the new "Yueyuexin" fixed-income wealth management product has been launched, with a minimum investment of 100,000 yuan, a closed period of 1 month, a fixed annualized rate of return of 6%, and a fixed monthly rate of return, and an annual income of 100,000 yuan of 6,000 yuan or more.
Mr. Yang is a white-collar worker in a company who has worked for 5 years and saved 300,000 yuan in bank fixed deposits, which expired last month. Since Mr. Yang plans to buy a house, he is still looking at the house, and he is not sure when he will use the money, and the bank fixed deposit is at least 3 months, so Mr. Yang is very worried about how to maintain and increase the value of the 300,000 yuan during this period to the greatest extent.
**?Not suitable for ordinary people, Mr. Yang has also speculated in stocks, but like 90% of shareholders, he has also lost a lot, so Mr. Yang does not plan to buy a house in the near future.
**?**?Foreign exchange? **?Mr. Yang hardly understands these things, and there are many cases of friends around him losing money, so Mr. Yang is not optimistic about this financial management method.
Trust products? The income is not bad, most of them are more than 8%, but the term is too long, 2 years or more, and the minimum investment is 1 million, which is not in line with Mr. Yang's current situation.
Bank wealth management products? After understanding, the bank's wealth management products either have a long term or low returns, and Mr. Yang has scruples about low returns.
Just when Mr. Yang was about to give up his financial plan for the 300,000 yuan of idle funds, a friend recommended Yisheng Wealth, a leading wealth management institution in China
Newly launched short-term fixed income wealth management products: Yueyuexin. It is understood that the investment of 100,000 yuan in Yueyuexin is reached, the fixed monthly rate of return is up to 6%, and the closed period is only 1 month.
In other words, even if Mr. Yang only invests for 1 month, he can get an annualized return of up to 6%.
In the end, Mr. Yang chose Yueyuexin of Yisheng Wealth, with an investment amount of 300,000 yuan, and after 1 month, Mr. Yang got a total of 301,500 yuan in principal and income, so that his idle funds increased in value within 1 month, which was much higher than the income of long-term financial products in the market, and he did not delay his payment for buying a house. Mr. Yang said that it was his luck to know the financial channel of Yisheng Wealth, and it was the financial gospel of ordinary personal and family financial management to have Yueyuexin, a short-term fixed-income wealth management product.
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I don't understand, let's find a financial planner for you.
Yisheng Fortune Yueyuexin annual yield of 6%.
Which is the best short-term wealth management product for one month? In order to meet the needs of many short-term wealth managers, Yisheng Wealth ( >>>More
Landlord, my situation is similar to yours, now it is too expensive to marry a daughter-in-law, like you said that the family conditions are average, you must not just point to the family. I don't think it's the right thing to do if you don't invest indiscriminately, but to ask someone who knows how to do it. After all, people's experience is there. >>>More
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.
**Not part of bank management.
There are four main types of bank wealth management (risk reduction in turn): :**, ***, wealth management products (self-issued, such as: profit profit series), insurance. >>>More
It is very important to choose a formal platform for personal finance, so as to obtain peace of mind and better protect the safety of funds. Du Xiaoman financial management. >>>More