At present, the popular financial management methods mainly include the following:

1, P2P financial management

This P2P financial management method is relatively new, characterized by high income, and the general income is between 10% and 18%. For example, in Xinrong.com, the annualized rate of return is as high as 18%, and the investment threshold is low, but there are risks, such as the running risk of P2P platform, so everyone must choose a formal platform when investing, such as the well-known Renren loan and Renren loan.

2. Investment bonds

Investment bonds are relatively safe investments. Such as national debt, the income is stable, but the disadvantage is low income. For example, a three-year national debt issued on 20 14 has an annual interest rate of 5%, while the three-year bank fixed interest rate is 4.25% in the same period. Only slightly higher than bank time deposits in the same period. How to buy, in fact, through online e-banking can generally subscribe.

3. Bank wealth management products or overseas funds and overseas insurance.

At present, the income of short-term wealth management products of banks is around 2%-7%. In fact, there are many investment opportunities in overseas markets, if not limited to China. For example, overseas funds and overseas insurance have richer product types and larger floating income range and risks. In addition, as a global wealth management product, it is linked to the global economic situation and is not affected by sensitive factors in the domestic market.

Step 4 buy stocks

Stock trading is the most popular investment tool, which needs no special introduction. Xinrong. Com reminds everyone that stock trading is not only how to choose stocks, but also how to allocate funds scientifically. In addition, be careful not to make mistakes in the general direction, such as choosing a "sunset" industry. Even if you have a good eye for stock selection and the industry as a whole is in a downward trend, you won't make any money.

5. New investment tools

Last year, the special fire of Bitcoin, especially the thrilling price rise and fall like a roller coaster, left a deep impression on people. Similar to bitcoin is actually a new type of investment product. However, the risk is indeed relatively high, and it is also easily affected by policy factors. For example, on February 5, 20 13, the People's Bank of China and other five ministries and commissions issued the Notice on Preventing Bitcoin Risks, which led to a sharp drop in bitcoin prices that day. Generally speaking, the prospect of this new investment tool is extremely uncertain and belongs to the "non-mainstream", so investment needs to be cautious.

6. Foreign exchange and gold

Foreign exchange and gold are relatively old investment tools. Xinrong. Com reminds investors that these two investment products have certain short-selling mechanisms, so there is great uncertainty.