Then, if you want to make money quickly, you can give priority to high-risk investment and financial management, such as stock trading, stock funds, hybrid funds, index funds and so on. All these can get rich quickly.
Give a typical example: suppose an investor has only 65,438+000 yuan, but his capital is still relatively small. If he buys a stock fund for the first time, assuming that the stock fund rises by 20% within one month, he can earn 20 yuan and more.
Will you lose money if you have no money to invest and manage money? Whether there is no money to invest in financial management will lose money mainly depends on risks and benefits, which are generally risky and very easy to lose money. The probability of losing money with low risk is very small, and most of the money funds generally do not lose money. Take Alipay wallet as an example: Alipay wallet is a positive income at this stage. Although the past is not equal to the future, it will have certain reference value. Moreover, if you choose risky investment and financial management, it is generally good.
What's the difference between saving 65438+ ten thousand yuan for one year and three years? Difference 1: The end date is different.
A one-year time deposit has a term of only one year, and a three-year time deposit also has a term of three years. Compared with the two, the one-year time deposit has better coordination ability, and the three-year time deposit is very suitable for saving the remaining funds that have been idle for a long time, preferably just three years.
Difference 2: the savings rate is different.
Generally speaking, the interest rate of one-year time deposit is lower than the three-year interest rate. In other words, if you save for three years, you will earn a little more loan interest. However, when we deposit time deposits, we should also consider our own specific situation and keep idle funds for as long as possible.
Difference 3: The loan interest is different.
The last difference is that the interest rate of savings is different. The interest rate of buying a one-year semi-fixed deposit is lower than that of three years. However, since all financial institutions are based on the basic interest rate, the interest rates of time deposits of different financial institutions may be different, so Xi Cai Jun will give you an example. Give a typical example: suppose a depositor has 1 10,000 yuan, the one-year deposit interest rate of a commercial bank is 1.75%, and the three-year deposit interest rate is 2.75%, then the money he can earn by saving for one year is 1 10,000 _1.75% = 6544.
Will the time deposit interest rate of financial institutions change with the interest rate of financial institutions? The interest rate of time deposits in financial institutions is not easy to change with the change of interest rates in financial institutions. For example, suppose a depositor goes to a bank to deposit money, and the interest rate of a three-year time deposit is 2.75%. One year later, the interest rate of time deposits of commercial banks will be lowered by the central bank, which is only 2.5% at present. In this case, even if the time deposit interest rate of financial institutions increases, the time deposit interest rate of the money deposited by the depositor will generally not decrease, but will be calculated according to the previous 2.75%.