Five "money" investment and financing mode, you know

For the majority of ordinary investors, no matter what kind of investment and financing mode, all hope is "money". However, with the rapid expansion of the scale in recent years, financial institutions, to usher in more high yield investment financing modes at the same time, the risk is also further increase. So, now, ordinary investors how to find "money" investment banking way? Therefore, Ma Chau fund management division for the majority of investors finishing five present relatively safe investment way, believe that will bring you money to help.

["money" investment banking mode: saving]

Savings is almost zero risk investment "money" way of managing money, is not only safe and reliable, flexible form, the operation is relatively convenient. The old man in the savings have been the first selection of investment and financing ways. But also has its shortcomings, liquidity is not good, savings in the longer term, liquidity becomes worse, and relative to other investment way, income is relatively low. At present 1 years annual interest rate is generally 3%; 3 years of annual interest rate is generally 4.25%; 5 years of annual interest rate is generally 4.75%. Demand deposit interest rate 2.85%.

["money" investment banking mode two: Internet baby products]

The current balance of treasure, money like Internet baby products, are the basic monetary fund financial products, compared to the savings to high yield, good fluidity, with, income is relatively stable. Although the 7 year returns ratio has dropped to around 4%, but is still a good. But the Internet baby products yield has been unstable, it is ordinary investors to worry about the problem of.

["money" investment banking mode three: Treasury]

Treasury bonds, as is the guarantee to the state finance reputation as, so also is the ordinary investors are considered to be the most safe, money type investment. Generally when the bank issuing the national debt, many people will queue up early, eager to buy. In 2014 1 period of certificate bond coupon interest rate of 3.60%, a period of 3 years the coupon interest rate of 5%, 5 years for a period of 5.41%. But the Treasury liquidity is poor, once bought bonds, is unable to advance redemption.

["money" investment banking four ways: bank capital preservation products]

Bank capital preservation products safer, but also can guarantee the safety of principal, is also a kind of "money" type of investment and financing mode. General year rate of return of about 5.5%, 50000 yuan of investment. But the capital preservation products general bank is a limit, and capital preservation period are generally long, if the early termination or redemption, the principal is not necessarily ensure safe.

["money" investment banking five: fixed income financial products category]

Fixed income financial products because of their high income and fixed, the risk is lower, has become one of the now more sought after investment, the annual rate of 10% in general about 100000 yuan of investment. But as a result of such products is multifarious, some financial institutions under the guise of "fixed income financial products", disguised to sell higher risk products. To this end, Ma Chau fund financial management division to remind investors in the purchase of this kind of financial products must be cautious, as far as possible, preferably some well-known financial institutions products.

Financial risk, the investment need to be cautious. If you want a safe investment, steady money, suggest you preferably above five kinds of investment and financing mode.