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如何利用大额闲置资金和零钱

2017-09-16 07:41:49   中国经济网

■嘉丰瑞德

理财的环节有很多,包括储蓄、投资等。其中,投资是很多人最看重的一块,原因就在于它能实现“钱生钱”,让钱变得更多,不少人巴不得自己能将每一分钱都给利用上。但投资其实很有讲究,且如果真想利用上每一分钱,包括大额闲置资金和零钱,那就得多种方式结合在一起,才能实现效果最大化。

大额闲置资金

所谓的大额闲置资金,往往是投资者在短期内用不到的那部分钱,且因金额数量较大,所以投资范围也比较宽泛。但投资之前,有句话是不能忘记的,那就是“鸡蛋不能放在同一个篮子里”,因此对于这部分钱要分别进行配置。

为了让个人或家庭财富得到长期稳定的增长,也为了降低一定的投资风险,闲置资金中的大部分钱应用于配置较为稳健的投资品或理财产品,比如国债、银行理财产品、信托等,但需要注意产品的投资门槛。另外,如果想达到均衡风险和利润的目的,也可以配置稳利精选组合投资计划、诺亚方舟NPA投资计划等固定收益类产品,不仅可以获得更高的收益,产品的安全性也同样有保障。在稳健型投资之外,可以取少部分资金开展进取型投资。比如股票、基金、期货等,目的是为了争取更高的收益。

在投资之外,必要的保障措施也不能少,可以在社保的基础上再配置些商业保险,如意外险、重疾险等。如果家庭发生意外,那保险就有可能发挥作用,减少家庭损失,提供保障功能。这部分钱也应从大额闲置资金中提取出来,但总额不宜过多。

零 钱

零钱可能是平时需要花费的钱,只不过有的暂时还没花出去,也有可能是每月的一些结余。对于这些小额资金,可以采取以下方式:

一是货币基金。货币基金不仅风险低,收益也是每天都有计算,哪怕是周末、法定节假日都能计息。而大家最熟悉的货币基金恐怕就是余额宝了,只要将平时需要花费的零钱投进去,不仅能计息,用起来也同样方便。

二是基金定投。虽然每月结余有多有少,但如果固定一个金额,比如500元,只要每月结余多于500元,那这500元就可用来进行基金定投。基金定投是个长期的过程,只要坚持下去,并设定一个止盈线,就能获得不错的收益。

三是采用多种存款方式。每月结余也可以根据多或少选择不同的储蓄方式,比如结余较少,可以采用零存整取的方式,如果结余较多,则可采用十二存单法等存款方式。采用这些存款方式获得的利息都要比直接存银行活期来得高。

总之,要想利用上每一分钱,大家可以根据自己的实际资金状况、风险承受能力等,选择适合自己的方式。

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