Now the cost of living is high and the pressure of social survival is great. For wage earners, it is basically impossible to buy a car and a house just by saving money.

Take young people who have just worked in first-tier cities for one or two years. The average monthly income is basically around 5000 yuan. After deducting taxes, social security, five insurances and one gold, and paying rent, transportation and meals, there is basically not much left, but you still have to save some money every month on the premise of ensuring your health and not getting sick. Under such circumstances, where is the confidence to talk about buying a car and a house?

However, we can't be knocked down so easily by this small difficulty. As the saying goes, "the road is tortuous and the future is bright." Want to save money to buy a house and a car, in addition to waiting for a promotion and salary increase, smart people also know how to invest to increase wealth. So today, we will talk about how wage earners with a monthly income of 5,000 invest and save money to buy a house.

The main way to invest is to choose suitable investment products. What is a suitable investment product? For ordinary wage earners, it is of course a low-threshold and high-yield investment product! So, at present, P2P investment products are a good choice. Why do you say that?

First of all, the income of P2P investment products is generally higher than that of bank investment products and Internet baby investment products in the same period. For example, the income of Juding asset industry belongs to the upper-middle level, and the investment income is considerable; However, the income of bank investment products generally does not exceed 10%, and embarrassingly, the investment threshold of bank investment products is generally high, at least 50 thousand yuan, and some even 654.38+10 thousand yuan.

This is unrealistic for wage earners with a monthly income of only 5,000 yuan; While Internet baby investment products such as Yu 'ebao and WeChat Investment Link are almost investment products with no investment threshold, although the threshold is extremely low, Bian Xiao can't bear to look directly at their low returns.

Since we talk about income, you may ask, why not buy stocks? Is it appropriate to invest in stocks? Bian Xiao can only say that although stocks have high returns but higher risks, the stock market is extremely unstable, and stocks have gone down and up. Perhaps it is not a wise choice for wage earners with weak risk-taking ability to buy stocks.

Therefore, to sum up, P2P investment is indeed a more suitable way to invest and save for people with a monthly income of 5,000 yuan, if they want to get high and stable income quickly.

However, when choosing P2P investment products, we should also pay attention to the nature of the platform, whether the platform is hosted by a third party, and whether the risk deposit is prepared. Before investing, you must first understand the situation of the platform so as not to let your hard-earned money disappear in vain.