Now every family should have surplus spare money. Even if there is not too much, there should be 10000 yuan. How to manage money if you have ten thousand yuan in your hand? Next, Xiaobian will introduce several ways to manage money for 10000 yuan. Friends who need to manage money will follow Xiaobian to have a look.
Financial management method 1: Deposit in the bank. It's the safest way to keep money in the bank. It's just that the return on investment is relatively small and the interest is not much every year. Ten thousand yuan is only a few hundred yuan a year at most. If the deposit is fixed, the interest may be higher, but compared with other investment methods, the return is also less. At the time of deposit, it should also be determined according to its own situation. The current deposit is flexible and can be withdrawn at any time, so the fixed deposit is not so easy to withdraw. It depends on whether you are in a hurry to use the ten thousand yuan. This is your choice.
Financial management method 2: deposit balance treasure. This is the same as the deposit bank, but the income is better than that in the deposit bank. The biggest advantage of monthly report is to calculate the income according to the day, ten thousand yuan, and one yuan can be gained in any way. Now yu'ebao payment is almost all over the country, and it is very convenient to use. And yu'e Bao now has a two-hour function to get to the account. Even when you need to use cash, you can get it quickly. Compared with the bank, Xiaobian suggests that you put your money in yu'ebao.
Financial management method 3: buy fund. The interest income of the fund is a little more than that of the bank deposit, but the risk is also a little higher than that of the bank deposit. It is recommended to find a professional for consultation. And to buy a fund, you must buy a fund product with a high reputation, which will be more reliable, so that you can slightly reduce the risk of your investment.