Investment And Financing Tools For Ordinary People

What is the story of ordinary people? For this problem, financial advisers of Jiaxing Reed, a famous financial institution in China, think that ordinary people have to make good fortune outside their work. In fact, most of them can only invest through finance.

Financial investment is enough for you to have a "ordinary world".

Generally speaking, today's financial management includes the following 6 investment tools:

National debt, that is, national debt.

It is a creditor's debt relationship formed by the state to raise funds on the basis of its credit, and it is a high credit rating bond.

Of course, this is based on a good credit government rather than a small African country with frequent political changes.

The advantage of treasury bond investment is stability and safety. The disadvantage is that the income is relatively low.

For example, the annual interest rate of the 3 year treasury bonds issued in China is about 5%, and the annual interest rate for the 5 year period is about 5.4%.

It is the most familiar way of investment for domestic investors.

Last year, domestic

In the last few months, it became apparent that the Shanghai Composite Index took the first place in the world's rise, with an annual increase of over 50%.

But last year, the overseas stock market also performed well, such as the Dow Jones industrial average rose 7.5%, the S & P 500 index rose 11.4%, and the Nasdaq composite index rose 13.4%.

For ordinary people, the domestic stock market and overseas stock market can be operated, but they also need to pay attention to the prevention and control of risks.

Jiaxing Reed financial planner reminded that overseas stock markets generally do not have a daily price limit, so the short-term investment risk may be greater.

For the former two national debt and stock investment, their

The entry requirements are relatively low.

The threshold of trust investment is relatively high, and the general investment needs more than 1 million.

The characteristics of trust investment are high return, the annual rate of return is around 7%-12%, and the payment is relatively reliable. It is a good investment tool.

Compared with the security of the trust payment, some of the fund's investment does not require the same threshold of funds as the trust can get almost the same investment income.

Of course, various types of funds are quite different. Taking Jialong Reed steady profit fund as an example, 200 thousand investment funds start, 3 months investment, annual yield is 8%; 6 months investment, annualized rate of return is 9%.

Such short term fund investment is also more popular among the working class and the middle class.

Bank financial products are also more frequently invested in financial management.

But for now, the earnings follow up may be reduced by the impact of the central bank's interest rate cut in March 1st this year.

At present, the yield of bank financial products is about 4%~6%, and Jiaxing Reed financial planner is expected to have a drop of about one percentage point in the follow up.

In recent years, we can see that Internet Finance and its P2P fixed income management are quite popular.

Although there is no trust in security, this kind of investment is high, but fortunately, the investment threshold is generally not high, but has a higher investment income, so it has also become a fragrant steamed bread in the investment market.

Take Yisheng treasure of Yisheng fortune as an example, its annual expected rate of return is 10%-13.5%, or good.

Generally speaking, the above 6 kinds of investment tools are highly operational for the ordinary wage earners or middle class families in the current financial market.

However, Reed, a financial planner of Jifeng, also reminds us that if we really live a good "ordinary world", we suggest that investors should choose the appropriate financial investment mode in combination with their financial goals and risk tolerance when they finally choose.