I have 10W yuan, and then I can save more than 10,000 yuan a month, what is the good financial inves

1. Buy insurance. Guaranteed.

2. Buy regular investment. Guaranteed.

3. Buy treasury bonds. Guaranteed.

4、**。In general, it can protect the principal.

Others such as **, **, foreign exchange, physical business investment, academic investment, etc. are all risky.

To a certain extent, risk and profit coexist, and what is not risky is not profitable, and even consumes time.

Guaranteed capital depends on what you say, if I deposit in the bank is also capital guaranteed, 100,000 will have more interest for 10 years, and I will play 110,000 after 10 years. What can you do with your 110,000 in 11 years? Can it be worth what you can do with 100,000 now?

The so-called "principal-preserving type" is to put money to depreciate. Never be able to catch up with the price of **.

It is recommended that you take 40% of the capital protected investment. For example, demand deposits (emergency funds), time deposits, regular investment, **, insurance. You can save 10,000 yuan a month, you should have a house now, you can take a loan to buy another set, rent it out, pay the mortgage every month, and make a long-term investment.

60% invest**or**, foreign exchange.

Give me the bounty. Man.

The safest way is to have a bank, and there are risks in the first place.

The three principles of financial management: safety, capital preservation, a certain amount of appreciation space, insurance and financial management are counted as one!

Financial management is a very systematic project involving banking, insurance, **** and so on.

100,000 deposited in the bank, the amount is limited, and there is definitely no chance to issue a large amount of certificates of deposit. The subject is also a shrewd person, knowing that traditional banks have almost no oil and water for a year, and would rather choose financial products to strive to make more money. The one-year interest rate of state-owned banks and joint-stock banks is about 20% higher than the benchmark interest rate of the central bank, which is almost in between, that is to say, the interest rate of 100,000 yuan for one year is up to 1950.

Local small banks such as urban commercial banks, rural commercial banks and village and township banks will have higher interest rates. For example, Bank of Kunlun, Jieyang Rural Commercial Bank, Wuxi Rural Commercial Bank, etc., the one-year time deposit interest rate is as high, which is almost the highest interest rate of small banks, with a one-year interest rate of 3300. However, after entering 2019, individual village and township banks have made a good start to deposit activities, and the interest rate is higher, such as a fixed product of a Feng village and township bank, with a minimum deposit interest rate of 10,000, if it is this product, there is an interest of 4100 a year.

However, observing the latest interest rate **, the highest interest rate is still the smart deposit of private banks, which is not only the same as the security of ordinary time deposits of other banks, but also far exceeds any other bank in terms of liquidity and income, such as the one-year interest rate of Zhenxing Deposit, which is as high as 4869 for one year, 2919 more than large banks, and 769 more than village banks. It can be seen that with the same deposit of 100,000 yuan, choose different banks, and the financial management effect is one in the sky and one in the ground.

Even if you buy savings bonds, the one-year interest rate is only 3,340 yuan for one year, which is only a medium level compared to the time deposit interest rate. The interest on the deposit is not high, but the security is very high, and the principal and interest guarantee are suitable for conservative investors. If you want to obtain higher returns, you must take certain risks when choosing wealth management products, because most of the current banking wealth management products are non-principal-guaranteed wealth management products.

However, it is a pity that after entering 2019, especially recently, the annualized return of bank wealth management products has generally shown a downward trend.

You can buy the wealth management products launched by the bank on a regular basis, and the annualized income can reach the above, which is higher than the interest rate of the bank's fixed-term deposit, and you can earn about 4,600 yuan a year.

If you deposit 100,000 yuan in the bank, you can buy the bank's one-year wealth management products, and the annual interest rate is about 2%, which means that the one-year interest income is about 2,000 yuan.

I think the income from buying currency ** is very good, and I can get about three or four thousand yuan a year.

1. If you want to manage your finances with 100,000 yuan, don't put your eggs in the same basket, you must know how to diversify risks, you can make a reasonable allocation according to your investment ability, and leave a small part as an emergency ** in Yue Bao or change pass, and the rest can buy treasury bonds, **, ** and other projects with higher returns, if there is an insurance need, you can also take out about 8% of the funds to buy insurance.

2. Financial management must be reasonable according to their actual situation, do not blindly pursue high returns, and understand the risk level before financial management.

The 100,000 yuan spare money can be divided into several parts, and about 5%-30% can be invested in different places, so that while sharing the risk, it can also ensure that the 100,000 yuan of spare money can earn a certain income.

1. **, **type**, mixed type**.

The rate of return is very high, so if you have investment experience, you can put 20%-30% of the money in the **, **type and hybrid**.

2. Currency**.

Although the annualized rate of return of the currency ** is not too high, it has a strong flexibility and its risk is very low, so you can buy the currency with 5%-15% of the money**.

3. Fixed-term wealth management products.

Because it is spare money, it is very suitable for buying fixed wealth management products. And at present, the yield of regular wealth management products is not bad, so you can use 20%-30% of the money to buy regular wealth management products.

4. Rotten nuclear treasury bonds and local government bonds.

The risk of national bonds and local bonds is relatively low, but the yield will be a little higher than that of currency**, so you can also buy national bonds or local bonds with 10%-20% of the money.

Extended information: Managing hunger and sensitive money, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money.

In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

The foreign exchange is very good, I entered about 5w, and the income is good.

Open a small shop, be a small individual, and if you do well, you can also earn a lot of money.

You can invest in opening a ** play hehe.

At present, there are generally three types of wealth management products on the market:

1. The bank's wealth management products, with the central bank cutting interest rates, wealth management products will also follow the interest rate cuts, the income is not high, and then falling, there is basically not much income.

2. P2P financial management. It can be said that P2P financial management has become a mainstream financial management model.

3. The offline wealth management products of the guarantee company are similar to the P2P model.

I'll focus on P2P financial management, taking Friend Treasure Finance as an example, P2P financial management mainly has the following great advantages:

1.The threshold is low, which is almost a well-known thing.

2.The high yield is also a big highlight, however, high yield always comes with high risk.

3.The cycle is short, which is also a key point for more and more people to choose P2P Internet financial management.

4.Bonds can be transferred at any time. This is also very convenient, when you need money urgently, you can transfer the bonds you purchased at any time.

In short, although there are many advantages of Internet finance, it is still prudent to choose, you can diversify your investment, and don't put all your money on one platform.

High risk means high income, relatively low risk income is relatively stable but low, can be divided into several parts, most of them to buy currency**, wealth management products, bonds**, a small part of the investment** or this **** [answer satisfied, please adopt].

The risk and return are directly proportional, you can go to the bank to compare more, and the key step is to look at the contract.

Dear, you can invest in a small business, or you can start a business.

With 100,000 yuan, how should I manage my money?

If the annualized return given by the bank is 5%, the interest you can get in a month is about: 100,000 * 30 * 5% 365 = 411 (yuan). The bank gives a year's interest, not that you buy a one-month wealth management product with a yield of 5%.

You can only buy currency** in a month, which is relatively better.

Spot**Yes, T+0 can be bought and sold at any time.

Jiuyu's reply to him was - reservoir investment allocation method, and Jiuyu here also shares it with you for reference.

What is the Reservoir Investment Allocation Method? To put it simply, in the process of investment and financial management, you use the investment method you are best at as a reservoir, use this investment method as the basic investment, and then make other medium and high-risk investments on this basis.

Still don't understand? Here's another example:

Let's say this fan of Nine Fish, let's call it A.

A has 100,000 yuan in hand, the investment is conservative, risk-averse, and worried about the loss of his principal, so he bought all 100,000 yuan into a bank wealth management with annualized income.

After one year, A's interest income will be:

In the second year, a this time his mind was active, and the 100,000 principal was still purchased for annualized bank wealth management (still afraid of losing money), and the interest of 4500 was taken to regular investment** (after all, it was earned, and I was not afraid of losing).

A year has passed, the performance of ** is not bad, the rate of return of regular investment is 15%, and the total return of A is:

In the third year, A tasted the sweetness of ** regular investment, and after a year of regular investment, he also mastered some methods and skills.

A's investment concept is also slowly changing, so he took out 10,000 principal + 5,175 yuan of income to invest **, and the remaining 90,000 yuan of principal is still purchased annualized bank wealth management.

At the end of the third year, assuming that the rate of return of ** regular investment is still 15%, then the total return of A is:

From , we can see that in the past 3 years, the interest earned by A has increased year by year, although compared with other investment experts, this yield is nothing.

But for a conservative investor like A, the returns are quite satisfying.

After looking at the example given by Jiuyu above, do you have a certain understanding of the reservoir investment method?

Compared with the 4231 asset allocation rule recommended by many investment experts, the reservoir investment method is more feasible because it can ensure that your funds can flow reasonably between different products.

First, you need to keep learning about financial management, and in addition to learning, you must practice it yourself. On paper, I finally feel shallow, and I never know that I have to bow to this matter, and I have seen so many investment and financial management only, if I don't practice it, it is also on paper.

Second, pay proper attention to the latest trends in the investment market and improve their sensitivity to the market; To put it simply, you have to know when and what products to buy to make money.

For example, in 2018, in the context of major P2P platforms stepping up filing, the benefits of investing in P2P before the platform cut interest rates are still considerable; If you ******, you can still make a lot of money by investing in the CSI 300 Index**; You just need the right product at the right time.

Editor-in-Chief: Painting the breeze.

There is a principal-protected type but the interest rate is low, and the high-risk type has a high interest. Investment and financial management must be risky, if you want to make money and do not want to invest in the only way is to work, any investment and financial management is not 100% only to make no loss, risks and opportunities are coexisting, if you want to make a fortune, you must first think about the results of failure, whether you can bear the pain of failure. Get your mindset right.

I do the Air Bitcoin Club with high profits. But many people don't dare to do it for fear of being deceived, and I'm okay to do it.