Now that the interest rate on saving money is low, can I buy a house or invest my money?

I don't think it's right to buy a house. Because the house price will still be adjusted. The current bank interest rate is very low, and if there are banks, it is undoubtedly a waste.

So where to put it? For financial management, I still think that if you have a spare amount of money, and this money does not have any investment plans in the short term, it is better to put it in a powerful insurance company. Because in this way, it also plays a role in maintaining and increasing value.

You know, there are many owners of large enterprises, medium enterprises or small enterprises, and they will more or less use their savings of 1 5 to invest in insurance. Now Chinese Life Insurance Company has a "happy life" product at the beginning of the year. 5 years to pay.

If you get a small amount of 50,000 yuan a year, as long as the money is on the account of the insurance company, nearly 5,000 yuan will be returned to the account on the 10th day after the policy takes effect, and every year until the age of 75, you can get back more than 200,000 yuan at one time. There are also dividends every year. Otherwise, this dividend is uncertain and depends on the company's operation.

Of course, Chinese Life is a state-owned unit, a financial institution listed in Hong Kong, New York and Shanghai in 05. In recent years, it has been one of the world's top 500 companies. Therefore, the projects it invests in have a certain profit.

For example, last year's customers who were insured in the company paid 10,000 yuan a year, and the dividend was more than 1,000.

Although the bank interest rate is low, but there is still interest in the bank, and it will not be lost, if you put your money into **and**, then it may be **on**, so now in the case of the global financial crisis, it is not a good way to invest in buying a house now. In addition, banks have launched wealth management products, and the interest rate is higher than the bank interest rate for a short time, and some also promise to protect the principal, which is also good. You might as well check it out.

It's obviously not right now, and the deposit rate bottom is precisely because of the economic downturn, unless you have good projects.

Buying a house as an investment right now is definitely not a good direction.

If the amount of funds is more than 1 million, I think trust can be a good choice. It's very reassuring, and the financial manager will help you find a good project after the expiration. The income is stable.

Now that the economy is sluggish and inflation is high, it is best to invest in some hedging products, such as **, which has been breaking new highs, you can invest in spot**, the threshold is not high. However, there are risks associated with investment.