September without financial management, October with sorrow

Nowadays, people have more and more investment channels. Choosing which investment channel can yield ideal returns requires making judgments based on each individual's specific situation. Below is a detailed explanation of the main channels for family financial management, hoping that you can find suitable investment choices from them.

　　1The most traditional channel: savings

This is a traditional practice adopted by ordinary families, with the highest proportion. Savings investment is safe and reliable, and can earn interest, but its return rate is low, and interest tax needs to be paid. However, the current deposit interest is no longer able to compensate for the depreciation of funds caused by inflation.

　　2Risk and return coexist: bonds

Domestic bonds include treasury bond, corporate bonds and financial bonds. Individual investors cannot buy financial bonds. Treasury bond is regarded as "gilt edged bond" because it is guaranteed by the state finance, and the security and liquidity of treasury bond are the best among bonds. There is basically no risk, and the yield is relatively stable. Besides, treasury bond does not charge interest tax, and the yield is higher than that of bank deposits of the same grade. In recent years, people are very enthusiastic about buying treasury bond. It can be said that treasury bond is in short supply. Corporate bonds have higher interest rates, but they need to be paid20%The interest tax is subject to certain credit risks.

　　3Guaranteed investment: insurance, fixed income wealth management

Insurance, as a purely consumer risk protection tool, can fully leverage the investment value of funds and provide sufficient protection for family members through a scientific insurance plan. Fixed income wealth management has stable returns, which is worry free and effortless, but there are significant differences in projects. Generally, projects with limited choices of large enterprises as repayment parties have higher safety. The domestic platforms that do these projects include Ai Investment and Da Mai Wealth Management, and their returns are significant9%~12%between.

　　4Expert Wealth Management: Investment Funds, Trusts

Funds and trust management belong to expert management, which saves time and effort, and has higher returns. The concentrated personal funds are handed over to professionals for operation, who can use their professional knowledge and experience skills to make portfolio investments, thereby avoiding the blindness of personal investments and achieving the goal of reducing investment risks and improving investment returns. But its returns are relatively unstable and there is also a certain level of risk.

　　5High risk investment: spot (stock)

This type of investment tool is the most profitable, fastest, and largest. Currently, in China, it is generally at least possible to obtain25%Even with benefits that are several times or tens of times greater, it also carries risks, instability, and insecurity. A little carelessness may lead to a single return to before liberation.

　　6Real Investment: Collections

This type of investment not only has safety and reliability, but also cultivates sentiments, enhances the taste of life, and improves the quality of life. At the same time, it has great value-added potential, and its profitability is at least several times, even tens of times, hundreds of times, and even thousands or tens of thousands of times. But you need to have knowledge in a certain aspect, because not all collections have the potential for appreciation.