Financial management has suffered losses recently, and I dare not invest in fund stocks. Can I only choose time deposits?
This is indeed the case. Since 2022, when the overall investment market has been weak and many financial products have suffered losses, many people have turned their attention Invested in traditional time deposits, so are time deposits good? Are there any products that are better than time deposits? Today we will look for them together:
According to the characteristics and evaluation standards of investment and financial management products, we generally follow the "security" of the product To determine whether a product is good or bad, we will start with these three criteria today.
1. In terms of security
Among all investment products, the security of time deposits is indeed very high. The most important thing is the protection of central bank .5 million yuan deposit insurance, coupled with the bank's own high reputation system, so Time deposits are still very safe.
But there is a product that is much safer than regular products. Maybe you have guessed it. That is what we talked about a few days ago. The "treasury bonds" that are being issued these days can be said to be endorsed by national credit. Treasury bonds are undoubtedly the safest products out there, bar none.
2. In terms of profitability
When everyone invests in financial management, in addition to ensuring safety, I think the most important thing may be its profitability. When capital-guaranteed financial products were popular in the past, the income from fixed deposits did not attract everyone's attention. s concern.
But things are different now. After the new regulations on asset management were introduced, financial products did not promise to protect capital, and even suffered losses. Therefore, the current profitability of financial management cannot be guaranteed to be higher than regular ones.
But don’t forget that there are still many bank products with higher returns than time deposits, such as large-amount certificates of deposit, , large-amount deposits, exclusive deposits issued by many banks, special deposits, etc. The returns are very good. , and also safe and guaranteed.
Speaking of products that are not capital guaranteed, there are some products that may have higher returns than regular ones, such as funds, fixed investment , bond funds, etc., as well as financial insurance launched by many insurance companies, etc., and the returns are still relatively good.
3. In terms of liquidity
The liquidity of time deposits is definitely a shortcoming of this product, but especially after the cancellation of interest calculation, it can be said that time deposits have no advantage in terms of liquidity, and their returns are comparable. Cash management products, also known as " Yu'ebao " and other baby products, are very popular with everyone because of their relatively flexible terms. Of course, if you want to withdraw your fixed deposit in advance, you can use the deposit certificate we talked about before. Methods such as pledging and partial early withdrawal can also make up for the disadvantage of poor liquidity of time deposits.
In addition to time deposits with lump sum deposits and withdrawals, notice deposits , fixed deposits, principal deposits and interest withdrawals and other products also have high flexibility. Interested friends can pay attention to them.
However, in any case, investing in a financial product cannot be easily concluded based on one indicator alone, but requires comprehensive judgment.
Therefore, for the three indicators mentioned above, although some products are better than time deposits, many of their shortcomings are also obvious, such as unstable returns, low flexibility, or simply the risk of losses, which are all It is possible.
Before investing in financial management, everyone must carefully choose products that suit them based on their actual situation. This is the most important thing.
So which indicator do you value most when choosing financial products?
Welcome everyone to leave a comment and let’s discuss it together.
The above is the entire content of this program. What do you want to know about financial management? You are welcome to leave me a message. If possible, I will make it into an article or video for everyone to watch.
I am Brother Xiaoyin. Please follow me and bring you different financial knowledge.
Thank you for your support and recognition. goodbye.
"Brother Xiaoyin Talks about Finance" is a popular science program for ordinary people to share financial knowledge. Please follow me and help you learn more financial knowledge.
If you are interested in investment and financial management, you are welcome to order my column "Xiaobai Financial Business Training Plan". I believe that through the systematic study of this series of videos, everyone will have a new understanding of traditional financial knowledge. The most important thing is It gives everyone a new understanding of financial management habits.
