Features: low risk and low return.
The interest rate varies according to the term of time deposit. Generally, there are three months, six months, one year, three years and five years. You can choose according to the amount of spare money.
Mode 2: Money Fund and Various Treasures
Features: no threshold, low risk, higher income than time deposit.
The money fund was deeply rooted in the hearts of the people because of the balance treasure, and then a large number of valuable products emerged. At present, there are mainly Yu 'ebao, Baidu Wealth Management, Licaitong, Wobaifu of China Unicom and the small treasury of JD.COM Mall. At present, the income of this financial management method is higher than that of time deposit, and it is convenient and quick to withdraw.
Mode 3: Bank wealth management products
Features: low risk, higher income than time deposit.
Banks will launch wealth management products from time to time, but the threshold is generally 50,000,100,000, 200,000 or even higher. The investment time is generally three months, ranging from half a year. The annual interest rate of general income is below 4%, which is a guaranteed wealth management product; If the annual interest rate is above 5%, banks call it a non-guaranteed wealth management product, which is risky, but in a good financial environment, the probability of non-guaranteed wealth management is also very low.
Mode 4: bonds and national debt
Features: low risk and low return.
The risk of national debt is the lowest. Generally speaking, it means lending money to the country and paying you back some interest after a period of time. Other bonds also depend on who the bondholder is. As long as the company does not close down, it will basically give you interest. Buying through the bank has relatively low risk and low income. The general annual interest rate is below 4%.
Mode 5: stocks and futures
Features: high risk and high return.
Stocks are ownership certificates issued by listed companies. Mainly based on the company's operating conditions. Non-professionals are not recommended to participate. The stock market is risky, so it makes sense to be cautious when entering the market.
Mode 6: Fixed investment of the fund
Features: high risk and high return.
In short, the fixed investment of the fund is a fixed investment on a regular basis. This is a long-term investment, and it is very important to choose a good fund. In addition, the date of each month can be changed and the amount can also be changed.
Mode 7: Credit
Features: high risk and high return.
At present, the threshold of credit products is above 6.5438+0 million, and many people will chip in to buy them through several people. The annual interest rate of income is generally above 8%.
Mode 8: P2P online lending
Features: high risk and high return.
Now there are many P2P loans on the Internet, such as Renren Loan and lufax. It is realized by people who need to borrow money and have money to borrow it through network intermediary. This kind of online loan is relatively risky, but the income is also high. There are also many deceptive websites on the Internet, running away with money, so we must take a good look at the credibility of the websites.