There is no free lunch in the world. Unless you are Max, putting money in the bank and earning interest while lying flat is tens of thousands of times better than you. The poor want to make money, they have to work harder than the rich. Based on my experience, I have summarized several relatively safe financial management methods for reference by the working class. May everyone achieve financial freedom as soon as possible!

1. Treasury Bonds

Advantages: Zero risk, low threshold, gilt-edged bonds, guaranteed by national credit.

Disadvantages: Slightly lower returns, may not be available during tight supply.

Reason for recommendation: The interest on treasury bonds basically follows the economic situation. When the interest on treasury bonds decreases, the interest on other fixed-income products will also decrease. Treasury bonds mainly have 3-year and 5-year terms, which is the best way to force savings.

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Purchase channels: Available for sale on the online banking of major banks.

2. Reverse Repo of Treasury Bonds

Advantages: Risk-free, low threshold, guaranteed profit.

Disadvantages: If you want high returns, you need to watch the market, and it is not cost-effective for those with less capital.Translation:

Reason for recommendation: The interest is slightly higher than that of money market funds. With 10,000 yuan, you can earn 100 yuan in a year, and with 100,000 yuan, it's 1,000 yuan. During the end of the quarter and the year, the interest is even higher, 4 to 6 times more.

Purchase method: Open a Shanghai and Shenzhen account at a securities company to purchase, with a minimum of 100 yuan for Shenzhen and 1,000 yuan for Shanghai.

III. Money Market Funds

Advantages: Low risk, with interest rates 1 time higher than demand deposits, and the flexibility to withdraw funds at any time.

Disadvantages: The interest rates are also getting lower, now only a little over 1 percent.

Reason for recommendation: Flexible and offers higher interest rates than banks.

Purchase method: Open an account with a fund company to purchase, choose a large fund company to minimize the risk of running away with money.

IV. Fund Regular Investment

Advantages: Controllable risk, with relatively good returns.

Disadvantages: There is a certain level of risk.Translation:

Reasons for recommendation: Paying for services and having experts manage your wealth is generally better than doing it yourself as an amateur, and it's relatively more worry-free.

Purchase method: Open an account with a large fund company to buy, as the risk of them running off with your money is low.

V. New Share Issuance

Advantages: Lower risk, high probability of making money, and even the possibility of doubling your investment.

Disadvantages: Requires a certain amount of shares. It's akin to buying a lottery ticket, where making money largely depends on luck. Even if you win, the quantity is usually small. It's hard to win during a good market; it's easier to win during a bad market, but the newly listed shares are prone to breaking issue price.

Reasons for recommendation: In the current market, there's usually a doubling effect. If you're lucky enough to win two lots, you can make tens of thousands of dollars, and money comes that easily.

Purchase method: Open a Shanghai and Shenzhen account at a securities company to buy.

VI. Stocks

Advantages: Maximize the leverage effect of capital, and when the market is good, money comes in quickly. It's very flexible, and you can liquidate at any time during the trading hours on working days.

Disadvantages: There is a significant risk. It feels like gambling, where the more you earn, the more you want to earn, and the more you lose, the more you want to break even, which can easily lead to human weaknesses and make it hard to extricate oneself.Reason for recommendation: Currently, it is one of the more ideal, reliable, and fast ways for the working class to make money. Be sure to invest with idle money in the stock market. Remember never to borrow money for stock trading, and do not use money that is urgently needed or for saving a life.

Purchase method: Open a Shanghai and Shenzhen account at a securities company to make purchases.