What are the financial management methods of ordinary people?

1.P2P online loan financing \ x0d \ x0d \ P2P online loan is familiar to everyone. At present, the return on investment is generally 8%- 10%. As long as the principal and income of the appropriate platform are guaranteed, try to choose a platform that has been established for a long time, operates well and is deposited by online banking. \ x0d \ x0d \ II。 Bank financing \ x0d \ x0d \ Bank financing is basically divided into bank deposits and bank financing products. The initial investment of bank wealth management products is 50,000 yuan, and the risk level is divided into five levels. The minimum risk can guarantee the principal, and the maximum risk return can reach 6%- 10% (generally more than 6% are small banks) \x0d\\x0d\ III. Internet financial management \ x0d \ x0d \ There are many kinds of Internet financial products, among which P2P also belongs. There are other wealth management products, equivalent to money funds, but the income is getting lower and lower. At present, the income of Yu 'ebao is around 4%, which is much higher than the demand of banks, and it is still worth buying. \x0d\\x0d\ IV。 Treasury bonds and corporate bonds \ x0d \ x0d \ Conservative financial management methods are wiser than deposit banks, and the interest rates are higher than banks. National debt is also exempt from interest tax. At the same time, it can also be easily realized through market transactions. It is equivalent to obtaining regular interest in the form of demand. The risk of corporate bonds will be slightly higher, and corporate bankruptcy will lead to problems in corporate bond payment. \ x0d \ x0d \ V. Insurance \ x0d \ x0d \ Insurance is indispensable to people. Of course, in the insurance industry in the market, we should know how to choose and buy some good, reliable and suitable insurance and some personal safety insurance.