I don't know if you have been "cheated" by the bank and bought wealth management products. In fact, this is not strictly a fraud, but the bank has done what you are reluctant to do. And the current financial management does not seem to have any income, some financial management may still be able to make money, do not see the financial management to take for granted is the deception of the bank, otherwise why do many financiers have high assets? There will still be many people who will buy such a capital-protected financial management as the national debt, and the interest rate is definitely much higher than the fixed deposit.
Bank deposits
Everyone has a certain amount of bank deposits, but putting money in the bank and putting money in the bank are two different things, and many people may not know how big the gap can be. Simply put in the bank regardless of the current interest rate, only 0.3% of the income, that is to say, 100,000 yuan in the bank to put only 300 yuan of income a year, feel not as good as the balance treasure income. If it is regular, the good guy can still have a profit of more than 1,000, so it looks much better. According to the benchmark of interest rates, the average person will choose a three-year interest rate that is cost-effective and easy to use. And the guarantee of fixed deposits allows you to have a principal.
However, there are also people who are desperate to take risks to buy funds or wealth management, so there will be many risks, but the return will be much higher, and it will increase with the increase of risk. In addition, there is also news that although there is a gap between financial products, they all have a feature that they do not protect the capital, and if they lose more, they cannot be crossed, so the wealth management products should not be touched as much as possible.
Interest rates have been raised
If it is not the bridge to the bow of the ship, there is really no need to take this risk to fight for financial products. According to the current policy, the interest rate of deposits in many banks is rising, which means that the cost of wanting money to make money has become less. From the perspective of 1 year, it has risen by 0.3 percentage points, which shows that the interest margin of the bank is still relatively large. And according to the data, the shorter the fixed deposit time, the higher the interest increase.
The same is the deposit, there is also a gap between the banks, before the deposit is best to go to the local banks to see. In some places, the interest rate of new deposits is relatively high, and it is recognized by the market, even if it is a failure, it does not matter, the bank will definitely pay you, and after having enough customers, it is difficult for the bank to fail.
Wealth management and treasury bonds
In the pursuit of high interests, in any case, it is better than financial management, after all, the lower limit of the income of some wealth management products can be greater than a 5-year interest. The reasons why people are disgusted with financial management are actually that most of them are relatively easy to lose money, and many people say that financial management is like gambling, whether they make money or not, they want to continue. Many people choose to manage their finances without fear of losing money, and they will start again without money.
The national debt is different, this is equivalent to investing in the construction of the country, it can be said that it is a steady profit, and the income is also very high. If there is any safe way to manage money and have high yields, it is the national debt. However, the national debt is also flawed, that is, it is not easy to buy, everyone knows that the income of the government bond will be invested, then everyone's profit will be less.
summary
If you want to have a large return on the income, it is not recommended to save money to eat interest, or to rely more on investment, to have some understanding of this situation in advance. Investment is risky, and you need to be cautious when entering the market. If it is really not possible, it can also be fixed deposit, investment and financial management together, so that the income can be used to make up for the loss can continue to resist this risk. So what do you think about the rise in fixed deposit rates?