How should 50000 yuan be invested? Five financial

With the development of Chinese capital market, the concept of investment and financing has been deeply popular. Investment and financing has become an indispensable method for many people to maintain their assets. How to invest 50000 money in the first job? Today we have summarized five financial methods that are most suitable for ordinary people.

1. Bank deposit

Bank deposit is to keep money in the bank, which is the most popular financial management method. For the people with weak financial awareness, bank deposit is a better and safe way of financing.

Security: Although bank bankruptcy is unprecedented in China, the central bank has made new regulations. Once the bank goes bankrupt, you can only pay 500000 yuan for the money you have in the bank. For example, if you have a bank of 250000 yuan, you will lose 250000 yuan; if you deposit RMB 510000 or RMB 1million, you can only get 500000 yuan.

Rate of return: the interest rate of bank deposit is the lowest, the annual interest rate of current deposit is 0.35%, the annual interest rate of one-year term deposit is 1.75%, while the annual interest rate of three-year fixed deposit is only 2.75%. That is, if 50000 yuan is deposited in the bank for three years this year, the interest after three years is only 50000x2.75% X3 = 4125 yuan.

Liquidity: current deposits are highly liquid and can be accessed at any time, while the liquidity of fixed-term deposits is not high, and the loss interest is cashed in advance.

2. National debt

National debt is a bond issued by the state, in short, it is to lend money to the state. Generally speaking, the investment period of national debt is 3 years, 5 years, 10 years, etc.

Security: national debt is the safest in bonds. It is a kind of financial management method with low risk to borrow money from investors with national credit as guarantee.

Earnings: Treasury bonds are low in risk and low in return. According to the latest data of the Ministry of Finance on December 10, the annual interest rate of 3-year treasury bonds is 2.84%, the annual interest rate of 5-year bonds is 3.00%, and the annual interest rate of 10-year bonds is 3.18%.

Liquidity: the national debt is cashed in advance, and the interest rate will be reduced. Buying national debt is equivalent to long-term deposits.

Purchase method

There are several categories of national debt. For ordinary people, the common ones are voucher type and electronic treasury bonds. The voucher type treasury bonds should be purchased at the nearby bank savings outlets, while electronic treasury bonds can be purchased directly on the official website of the bank by computer login or by using mobile banking app.

3. Bank financial products

Bank financial products are financial products launched by banks. Some of them are developed by banks themselves, and others are sold by banks on behalf of others.

Security: since the new policy and new regulations on capital management were introduced in 2017, bank finance broke the rigid cash payment and did not promise to guarantee the principal and interest.

Return rate: the return on bank financing has been much lower than that of the previous two years. At present, the annual return rate of half year financial management is about 3.8% to 4.0%.

Liquidity: in terms of liquidity, the common bank financing has a fixed period of 1 month, 3 months, half a year and a year, mainly depending on which product you buy.

Purchase method: bank finance can be purchased at the bank counter or operated in mobile banking by itself.