Eight common financial management tools in the market:?
1, national debt
National debt is a debt issued by the state, which is characterized by high safety factor and fixed term (usually 5 years). Generally, it is issued on June 10 every month, and can be purchased in banks with a yield of about 3%, which is more suitable for very conservative investors.
2. Bank financing.
It is characterized by fixed term and fixed rate of return, and its risk mainly depends on the risk level of bank financing. Wealth management products can be divided into R 1-R5 and R 1 (cautious) wealth management products according to the risk level, with low risk; R5 (radical) wealth management products are not guaranteed, which is extremely risky. The yield of bank financing is around 3-5%.
3. Financial insurance.
It is a wealth management product issued by an insurance company, and the overall risk is low. The insurance period is generally long, and the rate of return is uncertain, about 3.5-4.4%.
4. Monetary Fund.
It is our most commonly used and best cash management tool, which is characterized by convenient access, high liquidity and good security. However, its yield changes with the change of market interest rate, and the current yield is about 2. 1-2.6%.
5. Public offering of funds.
This is issued by a fund company, which is equivalent to a professional trader, collecting customers' funds and then choosing various investment products in the market. It is characterized by low threshold, high liquidity and a certain management fee. Investors should bear certain risks while enjoying the benefits.
6. stocks
Stocks are securities issued by listed companies, and investment stocks are investment companies.
If you can find a good company and buy a good price, you can get the dividend income of the company's sustainable development; If the stock price goes up, we can also get the difference income by buying and selling stocks.
As long as we master the core indicators and specific valuation methods of screening companies, investing in stocks can still bring us a good return on investment in the long run. However, it is necessary to be wary that stocks are accompanied by high risks while obtaining high returns!
7. Trust
Issued by trust companies, the underlying assets are mostly creditor's rights assets. Borrowers are local governments that need funds to develop urban infrastructure, and large enterprises that need loans and turnover. Its investment threshold is relatively high, with a general investment of 654.38+0 million, the shortest fixed term of 654.38+0 years, and the yield is about 6-8%, which is relatively stable. But it should be noted that trust has certain risks!
The suggestion is: investment talents with annual household income exceeding 500,000 and total household financial assets exceeding 3 million should invest in this variety.
8. Private equity funds.
Private equity funds are also financial experts, and only raise funds from specific groups.
Mainly invest in two types of products:
The first category is secondary market products, buying stocks.
The second category is private equity funds in the primary market.
The former invests in stocks of listed companies, while the latter mainly invests in stocks of unlisted companies. The VC and PE you often hear are the latter, private equity funds. Because the investment objects of private equity funds have not been listed yet, there is still the risk of listing failure, so high returns are accompanied by high risks. In addition, the investment threshold of private equity funds is relatively high, requiring 1 10-3 million, and investors are also required to have strong risk-taking ability.