1, bank deposit

The bank promises to protect the capital and interest, but it is unconvincing to guarantee itself. The reason why bank deposits are safe lies in the deposit insurance regulations stipulated by the central bank. The loss of principal and interest within 500,000 yuan of each bank shall be fully paid by the insurance company.

Within this safe range, we can adopt smarter ways to strive for higher expected returns, such as saving for a fixed period instead of a lifetime, saving in large banks instead of small banks, saving ordinary deposits instead of smart deposits or innovative deposits, and so on.

2. Monetary Fund

Money fund is the lowest risk fund, and there are various baby wealth management products, such as Yu 'ebao, WeChat Bitcom and so on. At present, the average 7-day annualized rate of return of the Monetary Fund is around 2.5%, which is actually relatively low. It is suggested that the baby's financial management only saves daily expenses, and it is also a waste to allocate more funds.

3. Bank investment

At present, the principal-guaranteed bank financing has basically disappeared, and all of them are non-principal-guaranteed floating expected income products. We can judge the details according to the risk level. Generally speaking, the financial risk of R 1-R3 banks is not high.

In addition, the longer the term of bank financing, the higher the expected income, and the bank financing transferred by others has income, which may also take a little advantage. For low-risk bank financing, the normal annualized expected return is around 3%-4.5%. If it exceeds this range, you must pay close attention to the issuer and investment direction written in the product description. The more complicated it is, the less you touch it.

4. National debt

National debt is a process in which the state issues bonds to raise funds from the public during the construction process. Here, the creditor is the state. There is no doubt that the probability that the country owes money is basically zero, so the risk of national debt is almost negligible. At present, there are three kinds of national debt in China: 2-year national debt, 5-year national debt and 10-year national debt. The money invested can only be taken out when it expires. The yield of national debt is directly proportional to the length of borrowing, that is, the longer the borrowing time, the higher the yield.