For ordinary people, financial management is the most important is safety, followed by income, even if we can’t make money, at least you can’t let yourself lose money.
However, financial management is risky, just the difference between size. So what are the more secure financial management? Many people think of it is the bank’s regular deposit.
The regular deposit belongs to the insurance product, the revenue is stable, and the bank deposit is guaranteed by deposit regulations. No matter what problems, the same depositor’s 500,000 deposits can enjoy 100% guarantee.
There are several options from 3 months to 5 years. The longer the deposit period, the higher the interest rate, but sometimes it will be higher than the 5-year interest rate. There are differences in regular deposit rates in different banks, and usually local bank deposit interest rates will be more advantageous. The regular deposits have a poor liquidity, and if appropriate, the interest will be calculated according to the rate of interest rates.
But the bank deposit interest rate is relatively low, so many people have begun to have other financial needs, then which is better? What is the risk of buying financial management?
Let’s take a few more secure financial management methods:
1, Treasury debt
Treasury debt is a bond issued by national credit, and safety is self-evident. In general, the country will issue national bonds from January to November, and the issuance period has a three-year period. Two options in the five-year period. Due to the longer national debt period, it is usually more suitable for investors with high funding liquidity requirements. Comparison Bank regular deposit products, the interest rate of government bonds is more advantageous.
2, large deposit orders
large deposits are essentially regular deposits, just compared with ordinary regular deposits, large deposits of deposits are high, generally 200,000 In addition, larger deposits are limited, not ready to buy, you can buy it.
The advantage of large deposit orders is that interest rates are usually higher compared to ordinary regular deposits with the same period, and now some large amount of deposits support online transfer, and the liquidity will be better.
3, Monetary Fund
This kind of wealth management products have low thresholds, high flexibility, usually 1 penny can be purchased, if there is moneyDemand, users can apply for redemption at any time, in general, the possibility of loss in the monetary fund is relatively low.
In short, everyone should choose the right financial management method according to their own situation.Finally, remind everyone, wealth management is risky, and investment needs to be cautious.
The purpose of Kangbo Financial Release This information is to spread more information, and the article content is for reference only and learning exchanges, and does not constitute any decision-making recommendations.