Of course, the safest way to manage money is to buy various money funds and bank deposit products, but the yield is too low in the long run. Considering inflation, the money in hand has depreciated sharply. Then, how should a small partner with spare money invest to get the maximum benefit? What wealth management products is 654.38+ 10,000 suitable for investment? Financial management does not rely on a single investment variety, but a combination of multiple investment methods. It is best to use portfolio to spread risks and maximize returns as much as possible.
Since everyone says not to put eggs in one basket, what should be done specifically? Let's take a look at how to diversify our investment with 654.38 million yuan in hand.
The simplest plan is that we might as well divide the funds into three or seven parts. Ordinary investors can invest 70% of their funds in time deposits with stable income, bank wealth management with short term and annual interest rate of about 4%, and relatively low-risk wealth management such as bonds and bond funds. Another 30% of the funds can be invested in more radical investment portfolios, such as foreign exchange, precious metal gold, stock funds, stock market and so on.
More specifically, 50% of the principal, that is, 50,000 yuan, can be invested in stable, safe and low-risk wealth management products, with an annualized income of 3%-5%. There are many such wealth management products on the market, and there are also many purchase channels. Alipay Ant Wealth, Tencent Licaitong, JD Finance, major banks and brokers all provide this low-risk wealth management product. For example, China Bank has strengthened its financial management in China, which is a fixed-income product of China Bank, with low risk. Its performance benchmark is 3.65% annualized, and it only needs to be purchased at 1 yuan, and it will be opened after 9 months. All kinds of wealth management of Yu 'ebao, such as Jianxin Pension, fly over 366, the investment period is 366 days, and the annualized income is 4.35%, starting from 1 1,000 yuan. In addition, bonds are also low-risk investment options.
Another 30%, or 30,000 yuan, can invest in medium-risk products such as bond funds. Take Bosera Macro-Return Bond C as an example, it has increased by 1 1.39% in the past year. There will be a gap in the returns of different bond funds, such as Morgan Stanley's multiple return bond C, which earned 6.46% in the past year, much lower than the former. Generally speaking, bond funds have higher returns and greater risks than money funds and bank deposits. The principal may be lost when the income is not good, but bond funds can generally make a profit as long as they are held for a long time.
The remaining 20%, that is, 20,000 yuan, can be invested in foreign exchange, precious metal products, high-risk stock funds, or directly in stocks. The investment ratio can be adjusted according to your actual needs. If you have a high risk preference, you can increase the investment proportion of such products. The return of fund stocks is high, but it is also accompanied by high risks. It is best to set a psychological expectation for yourself when investing, not only dare to win, but also learn to stop loss.