Which investment and financial management method is more reliable?

Let’s first look at the differences in financial management methods through different channels. ?

Bank deposits: This is the Chinese people’s favorite way to manage their finances. They deposit their money in the bank on a regular basis and earn a little bit of interest every year. This method of financial management is relatively safe, but the returns are very low, especially now that interest rates are falling. ?

Funds: Invest through funds. As long as you understand some knowledge, the income will be higher than that of bank deposits. High income will also be accompanied by risks. It is still very important to choose a good fund. of. If you want to invest in a fund, you can choose index fund fixed investment. Investment and financial management through fund fixed investment is relatively safe and reliable. ?

Stocks: Don’t enter the stock market easily without preparing certain knowledge, because there are many people who lose money by trading in stocks. To invest in stocks, you must have a very good mentality and professional knowledge. Most of the time, novices will only get cut off from leeks. ?

Insurance: Many people look down on insurance financial management and think that the income from insurance financial management is too low and it is not worth putting money in insurance. As everyone knows, insurance company money is the safest. Although the short-term returns will not be too high, over time, with the effect of compound interest over time, the returns from insurance financial management are actually not low. ?

So, it is not the most reliable financial management method, but the least reliable financial management method. The key is whether you have mastered certain professional knowledge. If you do not master the corresponding knowledge, any financial management method is unreliable. If you master professional knowledge, any financial management method can be controlled. Of course, from a risk perspective, some financial management methods are definitely relatively safe. ?

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