If you want to get high returns, you can buy stocks or funds.

To buy stocks, you need to know something about the stock market, and open an account in a securities company according to the bank account number (set to three-party depository). The minimum amount for opening an account is stipulated by the securities company, which is generally 5,000 yuan. You can open online transactions. Holding a stock is equivalent to holding the assets of a listed company, so the price changes with the company's performance and the supply and demand of stocks.

There are two kinds of funds: open-end funds and closed-end funds. Open-end funds can be purchased directly from the fund company's website (online banking is required) or through various banks. Closed-end funds must open stock accounts and buy like stocks.

There are several types of open-end funds: currency, bond, capital preservation and stock. There is no redemption fee for the money fund, and the income is equivalent to six months to one year's deposits, which can be redeemed at any time without loss. The subscription and redemption costs of bond funds are relatively low, and the income is generally greater than that of money funds, but there is also a risk of loss, and the loss will not be great. Stock funds have the highest subscription and redemption costs, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but when the stock market rises, there will be gains.

I suggest buying some life insurance and saving some money. Live within our means, buy a little, and the fund will invest. The fund is an expert in helping you manage your money. The minimum initial capital of the fund is 65,438+0,000 yuan, which will be invested in 200 yuan.

Go to a bank or fund company to buy funds. Banks can act as agents for many fund companies, and specially open accounts to find bank financial counters. At present, some securities companies also have agents to trade funds. After the bank opens online banking, there is a general discount for online shopping.

Make a self-understanding first, whether it is high risk and high income or steady capital preservation income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.

Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

It is always an opportunity to invest in stock funds to make a fixed investment, but only if you have the determination to stick to it can you see the effect.

Banks all implement the interest rate stipulated by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest, and terminate the interest reduction in advance. If it is possible to use part of the funds in advance and want high interest, you may wish to deposit them in installments: if you deposit a one-year term every month, you will have money every month after one year, and the interest is higher than zero deposit and lump sum withdrawal. And so on. You can consider the wealth management products of various banks. The time is short, and the interest rate is higher than the bank's interest rate for the same period, but it is mostly the starting point of 50,000, which cannot be terminated early.