投资:两类适合上班族的理财产品

作者: 发布时间:2017-12-09 17:18:22  来源: [手机访问]
导读: 【摘要】理财是投资,目的不是大富大贵变土壕,而是跑赢通胀,实现资产稳健增长。由于近期余额宝收益一降再降,目前在4%左右,是不是有收益比余额宝高,但是风险

【摘要】理财是投资,目的不是大富大贵变土壕,而是跑赢通胀,实现资产稳健增长。

投资:两类适合上班族的理财产品

由于近期余额宝收益一降再降,目前在4%左右,是不是有收益比余额宝高,但是风险也不大的产品呢?

余额宝可被视为“无脑理财”和“用脑理财”的分界线。跨过余额宝,有更高的要求,就需要用脑子来理财了。

用脑理财指路一:基金定投

基金定投是一种长线投资。说白了就是投资者委托基金公司从自己的账户上每月定时定额的自动扣款买基金。

基金定投就是帮你制服心魔,只要你耐心每月定投,只要基金最终总体盈利(其强有劲的后力支持就是当前越来越高速发展的中国经济),那么你最终就是盈利的。

为什么说它适合上班族呢?上班族的特征是本金较少、风险承受较低。基金定投每月最低扣款金额可以低至100元,这个金额连学生都可以承受的起。

其次,基金定投分期投入的,最大限度地分散了投资风险。国内外历史数据显示,投资周期越长,亏损的可能性越小,定投投资超过10年,亏损的几率接近于零。

用脑理财指路二:P2P

在经历了一年多的互金专项整治后,P2P整个行业正逐步走向合规和有序。小额分散让很多平台不得不淘汰部分不合规业务,银行存管,规定“信息中介”身份让平台们杜绝“资金池”“自融”的可能性,金融局备案让它们不得不做好信息披露。

在受到国家监管的大背景下,P2P可以作为上班族一个理财手段。同样从收益和风险两方面考虑。P2P起投金额大多在100。新人可以投新手标先试试,通常期限较短,一个月左右,收益能达10%甚至以上,这也是平台吸引投资人的方式,普通标一般比新手标低2个点。

但必须提醒的是,投资一定要选择靠谱大平台。怎么知道哪些平台靠谱呢?可以借助第三方网站投资P2P,千万不能光盯着收益率,安全性和流动性都要考虑到。

总之呢,理财是投资,目的不是大富大贵变土壕,而是跑赢通胀,实现资产稳健增长。用脑理财首先要树立正确的意识,而且就不同的理财种类讲,风险和收益总是成正比的。

好了,以上就是今天关于分享的全部内容了,你会选择P2P还是基金理财?你的投资策略是什么?欢迎在留言区留言,与我交流。

我们明天见。

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