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Spare money to save the banks or banking?

With the increase of income, many people have some spare money. At this point, to avoid facing a choice: the spare money to save banks or to buy financial products? Many people might say who could have better returns, they choose one, really so simple? It is well known that high yields with high risk. For example, the current bank deposit annual interest 3.3%, saved 10,000 yuan a year, not only principal not loss, and 330 Yuan income. But if you buy a stock at a 10, maybe less than a month has risen to 12, earnings nearly 20%, 10,000 have earned 2000 Yuan, for more than 3 years savings income; if you didn't sell, it might fall to 5 Yuan after two months, a loss of 50%. In fact, the reason why there is such a big gap is rooted in savings and stocks are two different financial sources, both in terms of return on investment, risk, liquidity varies for different customer groups, the same ratio of customers of different ages will be different, we cannot simply compare which product is better. Although we can't give everyone a clear saving banks or financial advice, but as long as we know what low-risk financial products, moderate risk high risk financial products and financial products, it will be based on judgment of the situation.
low-risk financial products is a guarantee of principal security, will earn some money, at 5%. Typical products are: bank deposits, Treasury bonds, currency funds, capital preservation products, and so on. Worth mentioning is that the current balance of various Internet company Bao, Baidu and other products made by the hundreds, in fact, is the International Monetary Fund. In the investment threshold, savings for 50 Yuan, bond is 100 Yuan, the IMF is 1000 Yuan, balance treasure, such as Bai FA is the starting point for a few Yuan, guaranteed Bank financing products for 50,000 yuan. Medium-risk financial products, yields relatively high, between 5%--10%. Typical products: bond funds, guaranteed funds, capital preservation floating income financial products, trust and so on. In the investment threshold, bond funds, guaranteed funds for 1000 Yuan, bank financial products for 50,000 yuan, 500,000 trust products. High risk financial product, cannot guarantee profits and fluctuations. Typical products are: equity, structured non-capital preservation products, P2P banking, sunny private equity, private equity funds, equity funds, investment-linked insurance, commodity futures, stock index futures and margin trading, and so on. In addition to the stock of these products, but for a certain experience of friends.
for many financial products are new, buy banks ' financial products is their investment in baby-steps, you can make simple according to the figure below.
low-risk financial products is a guarantee of principal security, will earn some money, at 5%. Typical products are: bank deposits, Treasury bonds, currency funds, capital preservation products, and so on. Worth mentioning is that the current balance of various Internet company Bao, Baidu and other products made by the hundreds, in fact, is the International Monetary Fund. In the investment threshold, savings for 50 Yuan, bond is 100 Yuan, the IMF is 1000 Yuan, balance treasure, such as Bai FA is the starting point for a few Yuan, guaranteed Bank financing products for 50,000 yuan.
medium-risk financial products, yields relatively high, between 5%--10%. Typical products: bond funds, guaranteed funds, capital preservation floating income financial products, trust and so on. In the investment threshold, bond funds, guaranteed funds for 1000 Yuan, bank financial products for 50,000 yuan, 500,000 trust products.
high risk financial product, cannot guarantee profits and fluctuations. Typical products are: equity, structured non-capital preservation products, P2P banking, sunny private equity, private equity funds, equity funds, investment-linked insurance, commodity futures, stock index futures and margin trading, and so on. In addition to the stock of these products, but for a certain experience of friends.
for many financial products are new, buy banks ' financial products is their investment in baby-steps, you can make simple according to the figure below.
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