Low risk: deposits, bank wealth management, money market and bonds, of which the latter two have higher entry barriers, but they can be replaced by corresponding funds;
High risk: stocks, spot crude oil, foreign exchange, derivatives (futures, options, etc. ), the expected rate of return is quite high. Without controlling risks, wealth will shrink in minutes;
Alternative investment: trust, price-earnings ratio, real estate, hedge funds, lottery tickets, some products of internet finance. For the time being, I am also an alternative investment. Generally speaking, the threshold for investing in alternative investments is high, or the platform funds are not safe enough.
The most reasonable way to manage money should be the general direction.
A small number of people take out insurance (it can be property safety, personal safety and their own protection).
10% is the balance treasure of working capital. Throw the money in.
50% is a prudent investment. I don't know much about it, so I don't express my opinion.
40% is a high-risk investment. Learn to control risks and keep them within an acceptable range. By reducing the income, we can reduce the risk, stabilize the investment and realize the income.
At present, there are five best financial management methods, namely p2p online loan financing, bank financing, savings, stocks and gold. Among them, p2p online loan financing has low investment threshold and high income. Grassroots people are more suitable for this kind of financing, but the risk of this kind of financing is also relatively large. People should choose the appropriate investment method according to their actual situation.
First, p2p online loan financing P2P online loan financing is one of the most popular financial management methods at present. Its investment threshold is low and its income is high. As long as everyone chooses a platform, the income is guaranteed and it is very fast and convenient. For the grassroots, it is the best way to manage money at present.
Second, bank financing Everyone knows that it is the most convenient, stable and flexible to deposit money in the bank now, but it also has disadvantages, that is, the interest rate is low. Bank wealth management products, the income is not very high, and the investment threshold is very low, but the risk is not great, suitable for stable people.
Third, savings used to be the only way for ordinary people to invest and manage their finances in early China. A wrinkled yellow passbook with a string of simple numbers on it was all the wealth of the family at that time. At that time, the slogan-"save the country and benefit the people" often echoed in my ears, recording that not too distant history.
Fourth, stocks and stocks appeared in the 1980s, but they really spread to the whole country in the 1990s, when people were ready to try. From queuing to buy stock subscription cards, lottery, subscription of stocks, to entering the stock exchange for stock trading.
5. Gold is recognized by the public as the best way to maintain value and prevent inflation at present, but it has attracted only a few investors' attention because of its difficulty in maintaining value, low income and high investment funds.