What is the most prudent way to manage your finances at the moment?

There are many types of personal investment and wealth management products, including savings deposits, large-amount certificates of deposit, smart deposits, treasury bonds, bank wealth management products, trusts, insurance, etc., and the investment starting point of different products is different, and the corresponding risk level is also different.

Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different. You can log in to the Ping An Pocket Bank APP-Wealth Management to learn more and make purchases.

Tips: Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

What are the most stable ways to invest and manage your money?

Investment and financial management is nothing more than wanting to have additional income on the basis of the principal, therefore, investment and financial management can only talk about income after protecting their principal. Therefore, a financial management method with such a large fluctuation in income cannot be a stable investment and financial management method. So, what is the most stable way to invest and manage money?

At present, the most stable way of investment and financial management should be bank deposits, **, treasury bonds, etc. Below, let's get to know the most stable investment and financial management methods in China.

1. Bank savings.

The bank savings method is safe and reliable, the money can be used and withdrawn at any time, even if the interest is small, the principal is guaranteed. At present, bank fixed savings are divided into three months, half a year, 1 year, 2 years, 3 years, and 5 years, with annual interest rates of 3% respectively.

2. National debt. Treasury bonds have the advantages of low risk and stable returns, which is a typical principal-guaranteed financial management method and one of the most stable investment and financial management methods. There are two main forms of treasury bonds, one is electronic treasury bonds, which pay interest annually and repay the principal at maturity; The other is a certificate-type treasury bond, which repays the principal and interest at maturity in a lump sum.

The investment period of treasury bonds is generally 1 year, 3 years and 5 years, and the current annualized return of 3 years is 5% and 5 years. Treasury bonds are not highly liquid and are more suitable for people with low risk tolerance, such as the elderly.

3. Currency should be regarded as the most prudent way of investment and financial management after bank deposits and treasury bonds. It not only guarantees liquidity, but also has a higher yield than savings. The annualized rate of return of today's currency** is about 4%, the fund redemption method is t 0, and the minimum purchase threshold can reach 1 yuan.

At present, currency** is more suitable for personal or family reserve financial tools, which can be used and withdrawn at any time, and can also enjoy higher returns than bank savings.

There are many ways to manage money, such as investment, bank management, etc., and you can choose a suitable financial management method according to your own conditions. The most prudent is to invest in a large bank with a good reputation, buy a three-year large order, and the current annual interest rate has reached, or buy Treasury bonds. The above suggestions are for reference only.

National debt. Endowment insurance. It is a relatively stable way to manage money. **。Compared to **. All robust and safe, some.

Financial management is risky, whether it is ** or ** there are risks, but the size of the risk is different. I think the most prudent way to manage money at present is to save money, and it is the most stable to keep money in the bank, although the interest rate is not high, but the risk is also very small.

Well, for now, the most stable way of financial management is to store regular financial management in the bank, this kind of regular financial management is the most stable, safest and most effective way, although the interest rate is low, but it is indeed the safest.

The most stable at the moment. A prudent way to manage your money should be to buy**. Professional things, professionals to do.

The most stable way to manage money is actually to deposit fixed wealth management in the bank, which is fixed wealth management for one year, two years, three years or five years. This kind of capital and interest are guaranteed.

At present, the most prudent way to manage money is to save time in the bank.

At present, the most stable way of wealth management is the large fixed deposit of the bank, as well as currency**, bond** and so on.

At present, the most stable way to manage money is to deposit money in the bank, which has low risk and low returns, and has a large risk and a large return on investing in a business.

At present, the most stable way to manage money is to deposit a large amount of money in the bank, with high interest and no risk.

At present, the most stable way to manage your money is to deposit money in the bank. Deposit a fixed deposit. This is the most prudent way to manage your money.

What is the most stable way to manage money at present, and there is such a good way to make money and there is no only risk-free, I don't think it's very realistic, anyway, you want it. Highland profits have a high risk, you can also go and say uh put it in the bank is to buy some of that uh penny fruit, not a little more, my bank is the most. Insurance, there is also a certain profit.

At present, the most ideal financial management is to hold the money in your hands, what**,**, bonds, **don't invest in them, at most put the money in the bank or bank capital-guaranteed savings, an epidemic will let you know that money is still in your own hands.

Saving is the safest way to manage your money.

The most hidden way to manage money is to save in the bank.

At present, the most stable is to deposit in the bank and earn interest.

If you want to manage your finances, you must. The kind of capital preservation. So that there is no loss. It is also the most robust.

I don't know how to manage money, so I feel that it is safer to keep my money in the bank, although the interest is less. However, it is much less risky than investment and financial management. There are also those who buy government bonds.

But I don't have enough money to spend. There is no idle money. Therefore, I dare not invest in financial management.

You can only put money in the bank.

Now if you have money, don't invest in this and that, it's too much, just go to the bank to deposit, a little interest is better than no strength. Let me invest in this and that, it is better to save beauty tablets at my brother's house.

Buy those with low risk. Well, net income financial management.

There are several types of sound financial management, which can be purchased separately or in combination:

1. Currency**.

Advantages: You can deposit and withdraw at any time, and the income will be settled daily; Disadvantages: The yield is low, and the interest rate on basic and one-year fixed bank deposits is the same.

2. Pure bonds**.

Advantages: It can achieve stable compound interest, with an average annualized rate of return of about 6%; Disadvantages: It needs to be held for a long time to see the effect, and the selection requires vision.

3. Regular financial management.

Advantages: the rate of return is high, generally around; Disadvantages: Limit flexibility, once there is no maturity, it cannot be redeemed early.

That, of course, is bank deposits, especially the big ones.

Financial risk and return are all accompanied, the high risk may be high, and the most stable means that the return is relatively low. The most prudent way to manage money is to store the funds, that is, to deposit them in the bank, which has a relatively low return but no risk. Secondly, there is a currency such as Yue Bao**, and there is basically no risk.

The most prudent way to manage money is to find small and medium-sized banks to deposit large deposits, the higher the amount of large deposits, the longer the time, the higher the interest rate given by small and medium-sized banks. Compared with the four major state-owned banks, small and medium-sized banks need to collect deposits more, so the higher the interest rate they offer. Generally speaking, large certificates of deposit can obtain higher returns than ordinary passbooks.

At present, the most stable way to manage money is to buy the ** issued by the bank, which has a higher interest rate than a fixed deposit, and the most important thing is that it is safe and risk-free.

Bank deposits, preferably for one or three years.

The safest way to manage your money is to start with a fixed deposit from a bank.

1.Bank fixed deposits, large certificates of deposit, etc., are still the most common and safest financial products.

Although the overall deposit interest rate is currently decreasing, if you carefully look for the large-amount deposit products of some small and medium-sized banks, or look for the large-amount certificate of deposit products of some small and medium-sized banks, you can still find various time deposits with an annualized interest rate of higher than the annualized interest rate. Some time ago, Henan talked about the Anhui Agricultural Bank incident, which made many people worry about the insecurity of bank deposits. However, with the eventual resolution of the risk, it still proves that China has a high degree of protection for depositors.

Although the state has a high degree of protection for depositors, it also has deposit insurance and other systems of protection. However, people still need to pay attention to the safety of deposits when saving money, and the main reason why the village and township bank incident can be finally resolved is that depositors are not at fault in the process of depositing. Therefore, you can go to the online deposit or go to a small bank to deposit, but you must record your deposit process and keep all the vouchers.

2.The Ministry of Finance of the People's Republic of China issues various treasury bonds, which have a very high credit rating, and are also financial products that are safe for the people.

The state will announce the treasury bond issuance plan for the next year in the previous year, which is generally mainly certificate treasury bonds and electronic treasury bonds. At present, generally speaking, the issuance will be carried out around the 10th of each month, and the annualized interest rate may be slightly higher than that of large-denomination certificates of deposit to a certain extent, and the annualized interest rate can reach between them. However, the only drawback is that the time period is relatively long, with a minimum of three years and a maximum of five years.

As long as a custodian account for treasury bonds is opened at a bank, it is far more efficient to rush to buy treasury bonds on the Internet using computers and mobile phones on the day of issuance, which is far more efficient than queuing up at bank outlets to rush to buy them. At present, the credit of treasury bonds may be higher to a certain extent than that of small and medium-sized banks, and they are more trustworthy to the people.

3.A variety of wealth management products below the medium and low risk level are also available to the public.

If the public buys wealth management products, whether it is a wealth management product or a trust product, in accordance with regulatory regulations, it is necessary to clearly mark the risk level. If the risk level is set to level 5 according to the regulation, then the wealth management products identified by the R1 level and the R2 level can be purchased. These two levels represent whether the issued wealth management products are cautious or have a rough and prudent risk level.

It varies from person to person, but frugality is the most important. The journey of life is high and wide, and the end of the world is far away; And we are always easy to get lost, so that we make wrong choices, but no matter what kind of mistakes, as long as we have the courage to bear and correct, it is not too bad. Buddhism has clouds:

The bitter scum trembles and teases the boundless sea, and the shore is turned back. "No matter how far we go or how wrong we are, as long as we are willing to turn back, there will always be a better way out.

To err is human; Moreover, making mistakes is indispensable for a long life; Life needs to make mistakes, because there are mistakes, will be self-introspective, self-awakening, self-realization; So as to be better treated with life. Don't doubt your own ability because of a momentary mistake, and don't deny other people's lives because of a momentary mistake, people live a lifetime, not because of a mistake can be changed. Don't be easily discouraged and compromised, because all the mistakes today are indispensable tests in life, and they are also for that more wonderful tomorrow.

Life in the world is always half good and bad, right and wrong; There is no need to be sad about some things and mistakes, and there is no need to panic when some roads and mistakes are taken. The journey of life is long, there will always be some ups and downs on the road, and there will always be some mistakes and regrets. We should be glad that we are not allowed to make a mistake, because on the journey forward, every mistake is the growth of life and the growth of a sale, and we can only find our own correct direction by constantly exploring and making mistakes.

The first is regular bank savings.

Some people want to ask, bank savings are also considered financial management. Wealth management is not to buy financial products, as long as it is to achieve the preservation and appreciation of people's currency can be said to be a way of financial management, bank regular savings is to deposit idle funds in the bank, according to three months, one year, two years, three years, five years to obtain the corresponding interest rate, generally in 1%-3%. The biggest advantage of regular bank savings is that it is safe and secure.

Liquidity is relatively okay, but with less interest.

The second is bank wealth management products.

Nowadays, due to the gradual advancement of interest rate liberalization and the impact of Internet finance, bank deposits have been seriously lost. The pressure on banks has increased, which has pushed up the yields of banks' wealth management products. In the view of many industry insiders, an annualized return level of 3%-5% is the norm, and the yield will remain stable.

Since each bank has different products and different benefits, the author recommends shopping around before buying, consulting more and understanding before purchasing. Money** is often thought of as a "quasi-saving" method, which guarantees liquidity and yields more than savings.

At present, the annualized rate of return of currencies similar to Yu Yu Bao is about 4%, the fund redemption method is T+0, and the threshold for purchase and defeat is about 1,000 yuan. The author believes that the currency ** is more suitable for personal or family reserve financial tools, with Gao Sen's use of withdraw, but also enjoy higher returns than bank savings.