How do office workers manage their finances?

Office workers who want to invest in financial management should focus on safety and stability. Although the market is relatively stable now, the introduction of new financial regulations and financial subsidiaries still reminds us that investment and financial management should be very cautious.

If the main body has some spare money and some time at the same time, it only needs to make a comprehensive choice according to its own liquidity demand, expected income and investment amount, such as monthly investment, financial products with moderate investment amount or good expected income, such as money funds, bank cash management, fixed fund investment, short-term debt funds, structured deposits and other financial products, with a wide range of choices.

Here we will briefly introduce several popular financial products recently:

1.？ Cash management products

In recent years, many internet financial platforms that meet the requirements have been successfully filed, and many internet financial platforms have updated their products, so the security is guaranteed. Moreover, the current cash management products are generally in cooperation with banks, and the products sold are protected by deposit protection regulations. Within 500,000 yuan, pay 100%.

Therefore, both the cash management products of the Internet financial platform and the cash management products issued by banks are very popular recently.

Take the regular financial products of cash management launched by Xiaoman Financial Platform as an example:

(1) Regular "New Net Free Deposit" wealth management product * * *, with investment period of 99 days, 199 days and 299 days. When 50 yuan starts to invest, it can not only pay interest on the same day, but also withdraw in advance. Most importantly, if the product suffers financial losses and the investment amount is less than 500,000 yuan, you can get a compensation of 100%, and the funds are safe and secure.

(2) Regular "Zhongbangbao 30-day" wealth management products, the investment period is 30 days, the initial investment amount is 100 yuan, and the principal and interest of 100% can be paid within 500,000 yuan, which can not only be withdrawn in advance, but also has no collection period, and the interest starts on the same day.

2.？ Short-term debt fund

Short-term debt fund is a short-term pure debt fund. Do not invest in high-risk investment varieties such as stocks and convertible bonds, which are not affected by stock market fluctuations and have low risks. Also known as "enhanced money fund". Therefore, the overall income is slightly lower than that of medium and long-term pure debt funds, but better than that of money funds.

Due to the short duration of short-term debt portfolio, it is less affected by interest rate changes. Judging from the current allocation of short-term debt assets, short-term financing bonds of enterprises are the main ones, and the spread income is the main one.

If we continue to subdivide, short-term debt funds can be divided into three categories according to the remaining maturity of the bond assets invested, namely, ultra-short debt, short-term debt and medium-short debt.

3.？ Automatic investment plan

Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing in a designated open-end fund at a fixed time and amount, similar to the bank's zero deposit and withdrawal method. People often say that funds mainly refer to securities investment funds.

Choose the deduction period and amount according to your own situation, adopt the method of buying in batches, overcome the risk defect of one-time buying, balance the cost, disperse the market risk, and be more suitable for long-term investment.

There are many kinds of funds, such as debt funds, hybrid funds, index funds and stock funds, with different returns. For example, hybrid funds, index funds and equity funds are high-risk and high-yield wealth management products, while debt-based wealth management products are low-risk. However, due to the market fluctuation this year, the risk of default of enterprises has increased relatively, so we should choose carefully and act cautiously when investing in such products.

4.？ Structural deposition

Structured deposits are not ordinary deposits. Simply put, these products can be divided into two parts. Part of it, like ordinary deposits, is used for low-risk and low-yield products to obtain stable income and ensure the relative safety of product principal; The other part will invest in high-risk and high-yield products to get more benefits from them. The initial investment of structured deposits is 50,000 yuan, and the rate of return is floating income. The yield of 95-day investment period is generally around 3.25%.

These are the most popular financial products recently. Not only the capital is relatively free, but also the security is relatively high. According to the investment target, capital and time of the product, the income will be different, so the scope of choice and investment is relatively rich. You can choose according to your own needs.