Portfolio Management Is The Most Preferred Insurance Policy.

With the increasing number of idle funds at hand, people began to seek a way of "money generating money". In the new year, more and more financial products have sprung up. How to choose financial products and how to get high financial returns has become a hot topic for many people. Recently, reporters on various types of financial products in Yibin market survey found that the most profitable way of financial management is portfolio management. Portfolio management is a combination of all kinds of financing methods, putting money in a few baskets.

　　 Bank financing

In 2014, the financial products of banks developed rapidly, and financial products were released on a large scale. In 2014, Internet financial products springing up in large scale, with the characteristics of high yield and convenient operation. By the end of the year, the "year-end effect" of bank financing has highlighted its advantages and bank financing has rebounded. Although the size of bank financial products has shrunk, bank financing has always been considered a more secure way of financing.

Advantages: stability, capital chain security, good reputation and high security.

Disadvantages: inflexibility, high starting point and low benefit.

　　 Commercial insurance financing

Commercial insurance is that the policyholders spend a small amount of money to transfer the larger risk in the future. If the insurance accident occurs, this small investment will bring greater compensation to the insured. The biggest function of insurance is protection. There are a certain proportion of accident insurance in insurance products. This is not a substitute for other financial products. Financial management insurance can help families solve future predictable risk protection, such as dividend insurance, children's education insurance, and so on. This comprehensive essential expenditure and risk protection financial management insurance is also one of the basic financial management methods of ordinary families.

Advantages: at the same time, it has both functions of protection and financial management, and it can avoid risks to a certain extent. Compound interest is calculated.

Disadvantages: short term profits, long investment hours, small liquidity.

　　 P2P financing

This new financial management mode of P2P has gradually emerged in the public view. Compared with the flexibility of bank financing, the entry threshold of an investor is also low. It is a new financial product suitable for individuals in the past two years. At present, there are many P2P financing companies in China, with different products and different yields.

Advantage: P2P's financial items can be transferred, with flexible investment and high returns.

Disadvantages: big risks, P2P financial management companies are not good and bad, credibility can not be guaranteed, we must carefully choose to avoid risks. Experts suggest that the choice of investment and financial management mode is the key.

Personal or family investment and financial management, the choice of investment and financial management mode is the key. At present, the most effective way of financing is bank savings + insurance +P2P portfolio management. This way of portfolio management can allocate the investment share according to the actual situation of individuals and families. Each investor is at different stages of investment. He has to invest in different stages. During the growth period, the formation period, the children's education period and the pension period, the investment should avoid risks and try to choose a stable and safe way of investment. If you are single or mature, you can choose an investment with high income and a certain risk.