If the bank does not have capital preservation wealth management products, and investors are very afraid of the loss of principal, they can choose the following products instead:
Buy a money fund.
It means that fund companies pool investors' funds to buy short-term government bonds, central bank bills, certificates of deposit or inter-bank lending. The monetary fund maximizes its income under the condition of high liquidity. Although there are certain risks, there is no principal loss so far.
Buy reverse repurchase of government bonds or securities depository receipts.
Both of these financial management methods need to open a stock account, and the reverse repurchase of government bonds is a short-term loan; Generally, the depositary receipts of securities firms will protect the principal, and the yield is about 2.5%-3%.
According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular.
Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
What is financial management?
When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
Financial management is to manage the wealth of a lifetime, not just to solve the problem of urgent need for money.
Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
bank investment
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
APP wealth management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.