High Yield And Low Risk Financing Really Can'T Be Bought.

What investors most want to buy is financial products with high returns, high liquidity and low risk. But does this product really exist? This product does not exist, so you can only do a balance in these three aspects.

Most people will go to major financial websites to learn various kinds of financial knowledge and familiarity with all kinds of financial products before financing.

What you do not know is that financial experts are usually right, but that does not mean they will not lose money.

If you want high yield and high liquidity, you must take some risks, such as stocks,

And other products.

If you want high yield and low risk, do not demand too much liquidity, such as trust products.

If you want to have high liquidity and low risk, it will be difficult to achieve high returns, such as balance treasure.

So fish and bear's paws are really hard to get together.

There are also some financial experts to buy stocks and buy stocks, which often happens if the operation is bad.

Many of the more conservative people believe that the state owned large banks are the safest and are not at ease with other small and medium banks. Therefore, deposits and financial management go to big banks, but sometimes small banks are even more secure than big banks and have higher financial returns.

In recent years, most of the social disappearance of deposits and financial flying alone have been related to state-owned enterprises.

In many of the discount deposits, it is because depositors believe that big banks are not in danger and risk taking risks.

The result was regretful after the criminals fled.

In fact, as long as through the regular way, whether it is a large bank or a small bank, its security level is not different.

Most of the Internet financial products are starting at a low starting point. Many products sell slogans of 1 cents or 1 yuan, but do you really invest only 1 points or 1 yuan? Is this a big difference from 100 yuan purchase and 1000 yuan purchase? For example, some Internet babies really only invest 1 or 1 yuan per day.

Direct neglect; some P2P platform's financial products 1 yuan to buy, you can buy, there are 1 cents a month's income, waiting for the expiration of the collection.

So low starting point is just a gimmick.

The important thing is to develop good habits of managing money.

When the money is small, the financial products that can be selected are relatively small, and the risk tolerance is relatively large. If we have more money, we can invest in many kinds of financial products, and the allocation ratio of high yield assets will also increase.

For example, the poor only have 10 thousand yuan, and they have to reserve daily expenses and unexpected expenses, so they can only be placed in the balance treasure, with a yield of only 3%.

The rich have 2 million yuan, as long as a small portion of the funds are reserved, most of them can be put into the trust, with a yield of 10%. In this way, the wealth gap between the rich and the poor will be bigger. Pensions are an indispensable source of funds for the elderly. They can be used as living expenses or financial management. However, it does not mean that the more pensions you have at work, the more you will be able to receive after retirement.

The amount of pensions is related to two wage levels, one is your own salary, the other is the average wage level of your city.

For example, A works in a big city. The average wage during work is 8000 yuan / month. B works in small cities. The average wage during work is 10 thousand yuan / month. But after retirement, A may be more than B pension, because the average wage level in big cities is higher than that in small cities.