Only 100,000 deposits, how to invest in finance?100,000 yuan of free money, where to put the high yield, which needs to consider the risk, can not simply look at the return, according to their own risk tolerance to choose the right way.
The first category, conservative
Conservative investors, the most important thing is to protect the safety of the principal, you can choose three ways:
1. Treasuries: treasury bonds are very high security, the current major banks have a sale of savings bonds, three-year savings bonds interest rate of 4%.
2. Deposits: bank deposits are very safe, deposit assets are protected by insurance conditions, within 500,000 yuan of principal can be fully guaranteed, and most banks have a one-year fixed interest rate of about 2%, three years for about 3.5%, five years for about 3.8%.
3. Money fund: money fund investment is the inter-bank money market instruments and treasury bonds and other low-risk products, low risk, generally annualized returns of 2% to 3%, a variety of "baby" products also belong to the money fund.
The second type, steady type
Stable type investors can bear a small amount of risk, to obtain a relatively more some of the rate of return, you can choose the following three:
1. Structured deposits, structured deposits is a kind of innovative deposits, the bank will be a deposit of a small amount of money to buy financial derivatives, such as exchange rates and gold options, as far as possible to protect the interest rate of deposits, in the case of The company's newest product is a new product that is designed to be used in a wide range of industries, such as the automotive, aerospace, and medical industries, and is designed to be used in a wide range of industries.
2. Term financial products, term financial products bank term financial, insurance term financial and brokerage pooled asset management plan, etc., choose low-risk term financial, one-year annualized rate of return of 4.5% to 5%,
3. bond funds, bonds itself is a relatively low-risk financial products, but a single bond bad luck may be "stepped on the mine", through the bond fund can diversify this risk, to obtain a more stable return, the general bond fund annualized return of 3% ~ 7%, when the stock market performance is not good, the bond market performance will be relatively better, the rate of return will also be higher.