2022, many people can’t make money, but more people don’t know where to save money to be stable.

Seeing half of the past half of 2022, recall the hot topic of these half a year:

The economic growth rate has slowed, the "graduation" incident in the Internet industry occurs, and multiple industries such as real estate, tourism, education, and training collapse, and even some malignant events have occurred ...

One is super expectation, making people just want to sigh.

The only thing worthy of gratifying is that the recent A shares have been quite sturdy, which has risen to the present since April 26. In the past two weeks, it has risen against the trend in the context of a sharp decline in the global market.

This rise is reasonable, because the valuation is really cheap, the fundamentals are stabilizing, and the liquidity is very loose, so there is nothing strange.

What makes people feel awkward is that the rise is so good that everyone's investment is becoming more and more difficult. Many people don't know how to spend money ...

Like the private messages I received recently, there are very representative questions: this is the case:

"Uncle, I now have some money at hand, what are you saying that I can buy something? I just want to be able to earn more, now I really don’t know how to spend it."

Real, the waves of A shares are rising and fierce. Now I am worried about chasing the quilt and buying ordinary wealth management/savings.

So: How can I spend more cost -effective in my hand recently? Today I will give you a good look.

To "spend money well", you must first think about it, what is the purpose of your money?

Here you can refer to the concept of four money in the next and slow money. First, the money is divided into living money management, stable financial management, long -term investment, insurance protection, and then how to spend.

First, live money management, just buy monetary funds directly. Everyone should have used Yu'ebao and change, and the annualized return rate is about 1.5-2%.

If you want to upgrade the living money income, you can look at similar products of other platforms, such as the Merchants Bank's Chao Dynasty, and the three good currency of the currency, which are also R1 low-risk levels, and the annualized yield can be about 2-2.5%.

Take 10 minutes to operate, you can earn a little more every day.

Second, stable financial management and long -term investment are the highlights of everyone's concern.

Just recently, you have not regretted that you did not regret it before? I regret that as long as it is rising, every day someone regrets that I still buy less. Searching for less in WeChat, the jumping chat records are tears of remorse.

At the same time as regrets, you have to face another question: Can you still enter the venue now?

sure. Now the Shanghai Stock Exchange Index is less than 3300. In the long run, this position is still cheap, the structural opportunities are still rich, and it can be layout.

However, in combination with the status quo, the market has risen for almost two consecutive months. In the short term, it is still cautious, such as investment in equity with great volatility, and it is recommended to be patient and other opportunities.

So, is there a way to take care of long -term optimism and short -term caution?

In fact, this time is very suitable for folding: solid income+.

I have also talked with you many times, and now it is time to focus on it.

The so -called "solid income+" is to invest some of the funds into products where low risk generates stable returns, and use the remaining funds to allocate other higher risk assets.

For example, if you say "solidarity+" is a bowl of rice, the fixed income part is rice, and the "+" part is all kinds of meat.

The rice parts ensure that you can eat and not starve.

Meat is to make you supplement nutrition and eat cool (that is, you may get higher benefits).

Like the "star" of the "star", the strategy of solidarity+strategy — and the traffic bank on the slow platform I want to be stable and happy. At present, the performance is still strong. It truly reflects the ability to retreat and retreat:

Stability has always been an excellent investment consulting strategy on the market. Its asset allocation has 90%of the bond funds, and the remaining 10%will be equipped with some stock funds and new funds. The risk level will only be R2.

Relying on the 9: 1 debt ratio, it has steadily established from 2017 to April this year, and even after this round of rebounds, the annualized income still reached 6.38%.

Looking at this trend is a curve that is almost upright.

The income data is for reference only, and does not constitute investment recommendations and benefits guarantee

Maybe someone wants to ask, what is the superiority of stability?

First of all, the historical performance of strategy has always been stable, and history has been positive for 20 consecutive quarters.

Secondly, it has been established for more than 5 years and has experienced a round of complete bull bears. The performance of retrospective is very comprehensive. Historical data has high reference value.

For example, in 2018, due to the systemic influence of the unilateral decline in A shares, the three major indexes fell more than -20%in that year, and steadily reached 5.52%of the yield. It was also stable in the market environment of the fluctuation fluctuations.

This long -term rising trend has been unable to resist.

Moreover, the steady retracement control is quite excellent. Since its establishment, the largest retracement has only -2.79%.

This still appeared in early 2018. How cool the A -share performance during that period was understandable.

Each of the comprehensive data performance can withstand the eyes of investors.

Therefore, for a period of time, "star" products are relatively easy, and "star" products have to rely on hard power.

Like me, since 2019, it has invested 100,000 yuan one after another. At present, a total of 16942.05 yuan has been made, and the actual annualized yield is about 6%. I do n’t have to stare at the disk, nor do I have to worry about it. I am very satisfied with this investment return.

The income data is for reference only, and does not constitute investment recommendations and benefits guarantee

In addition to excellent performance, it is very worry -free to hold,

Take me, there is no need to consider the timing when buying. Buy more than half a year without leisure money. Since 2019, it has been completely spoiled and let it go.

In addition, if you urgently use money, T+1 can be redeemed for a day, and the demand for sudden liquidity can be taken into account.

It is very suitable for ordinary people who have no time and energy to study stable investment, but they also want to do a good job of stable allocation and realize "lying flat investment".

I can be so worrying because the team of the principles is too responsible.

From the first day of buying, you can see the fund adjustment situation and reasons completely. All operations are transparent throughout the process. There will be special reports to interpret you every month/quarter.

I can still feel their excellent investment research capabilities and sincere efforts to investors:

Finally, I will talk about the platform, and I have been doing fund investment consulting for more than 5 years. Those who buy funds should know them. In 19 years, they have obtained the qualifications of the “Public Fund Investment Consultant Pilot Unit” of the CSRC.

There are very few independent fund sales institutions that have obtained the qualifications of investment consulting, and they are currently slow, ants and Teng'an (under Tencent).

I have always liked and slow platforms, and I like the name "and slow".

The number of numbers, elegant interface, daily valuation and other tools are complete, which is in line with my practicality and aesthetics.

To be honest, and slowly, as a fund sales platform that is the same as Alipay and every day, the profit model is no different from them: the management fee of the fund is divided into profit.

But you can't see data from the fund rankings and Xinfan Fund, you can see from this point, which can be seen and slow from this point: in terms of fund recommendation, it always maintains a bit of restraint.

The slow mission is to change the way Chinese people buy funds and change the experience of buying funds to lose money.

So, how do you do slow?

First, new funds are almost not recommended. From the source, investors can avoid the bull market to buy the new foundation.

Second, it only recommends strategy combinations, and has a strategy of different income interval and different principles.

Compared with the height of the fund's income, and slowly value the goals of the strategy, the principles behind, and the values ​​of the principal.

These factors can help us recommend long -term, simple, and dependent strategies to users who are suitable for this strategy to help customers get his income.

According to the data I found on the China Fund, as of July 1, 2021, and the Slow Fund Investment Consulting has signed a contract with more than 150,000, the investment advisor signed an asset of over 10 billion yuan, becoming the first domestic fund investment consulting service Institutions with assets exceeding 10 billion.

Among these 150,000 customers, the proportion of users of profitable users was as high as 96.67%, and the three -month reunion ratio reached 89%.

From changing the losing money of Kenmin, and slowly made achievements.

Therefore, in the face of this big fluctuations this year, for the stable investment players or friends who want to increase the steady configuration, the slow "stable happiness" is a good choice.

If you happen to have some idle money for more than half a year, but don't want to put it there, and too lazy to face market fluctuations.

I think I can scan the QR code below.

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