Bank savings has always been the most conservative way to manage money. In the eyes of the older generation, depositing in a bank is the safest choice.

Advantages: 1 High safety and low risk.

2. It can be accessed at any time with high flexibility.

Disadvantages: 1 Low risk is accompanied by low return, and the savings income is not even comparable to the rate of currency depreciation.

2. The flexibility is poor, and it is necessary to make an appointment in advance to withdraw large deposits, which wastes time.

3. The starting point is high, at least 50,000 strokes.

Second, the safest way to manage money-rabbit financial management

Advantages: 1 Good reputation, high security and lower risk than other wealth management products.

Compared with bank savings, the income is considerable.

3. Financial management is more professional.

4. Low starting point, convenient operation and flexible access.

Compared with bank savings, it is more worth choosing.

Three. fund

Most of them are equity funds or hybrid funds, and of course there are bond funds. Fund investment is more suitable for long-term investment.

Fourth, stocks.

In order to effectively offset the inflation and asset shrinkage caused by RMB depreciation, the high return of stocks is naturally very effective. But stocks are risky and investors need to be cautious. Even if investors want to allocate, the allocation ratio should not be too high. It is suggested to maintain it at about 30% of the investable funds.

Verb (abbreviation for verb) foreign exchange

The return is higher than that of stocks, but the risk is also high. It is recommended not to operate by yourself. It will be easier to find a good teacher to make money. Risk control is very important in foreign exchange! The distribution ratio should not be too high, 30%.