If I have 100,000 yuan (of course not yet), and I don’t use this money for the time being and I don’t know how to invest, I will neither choose to buy stocks nor to invest in fund , but will choose to buy a bank fixed deposit for 3 or 5 years based on the time I spend my money. If you want to use money in the short term, you will split the 100,000 yuan, and some will be released, similar to , Yu'ebao , and some will be purchased regularly, striving to take into account all aspects of their needs.
I will not choose a state-owned bank to buy fixed deposits. The interest rate of state-owned banks will be lower. I will choose to buy 100,000 yuan into fixed deposits in larger commercial banks or local banks. In this way, I don’t have to pay attention to the investment situation at all times. I looked at it in the first half of this year and found that the interest rate for 3 years and 5 years is the same. At that time, the interest rate for China Merchants Bank was 3.5%. The risk will be lower when purchasing a fixed deposit.
For stock and funds, because I don’t pay attention to it and don’t understand it very well. Moreover, compared with bank fixed deposits, the investment risk of for stocks and funds is higher, and I also need to pay attention to it at all times, so I don’t know how to choose.
had been involved in bank financial products before. I thought I would not lose money, at least I would guarantee the capital. However, in the past November, bank wealth management products have also fallen a lot, with a few days and a few months of profits. Some wealth management products have even lost money, so considering both risk and safety, they should not buy them in the future.
So, considering it all, I will choose to buy bank fixed deposits, which is both safe and without worrying. If it were you, you had 100,000 yuan, what would you choose to invest in?
