In the past two years, due to the poor performance of the **market, many ** earnings have been relatively dismal. However, not all ** earnings are bad, and some ** can achieve stable growth even when the market is bad. So, what can you invest in to achieve stable growth?
First of all, there is the currency**. Currency ** is the money market as the main investment object**, because the assets in the money market are basically fixed interest, and the risk is relatively low, so the income of the currency ** is relatively stable, and the possibility of loss is very small.
In addition, the income of the currency** is paid daily, and the income is included in the principal to continue to generate income. As long as you buy currency**, regardless of whether the market is good or bad, you can basically guarantee income in drought and flood, and assets can achieve stable growth.
Because of this, currency ** is also the most popular for investors to buy**, there is no one. At present, the total size of the currency ** is more than 11 trillion, which is the largest**.
However, the biggest disadvantage of the currency ** is that the yield is relatively low. The current yield is only around 2%, and some currencies** have yields of less than 2%. Therefore, although it is possible to achieve stable growth by buying currency**, the growth rate is relatively slow.
Secondly, there is the interbank certificate of deposit index**。As the name suggests, the interbank certificate of deposit index** is the one with the interbank certificate of deposit as the main investment object**.
Interbank certificates of deposit are book-entry certificates of deposit issued by depository financial institutions in the national interbank market for financing in the interbank market. In fact, it is equivalent to a bank borrowing money from the market with its own fixed deposit as a pledge.
Since there is a fixed deposit as a guarantee, the risk of investing in interbank certificates of deposit is relatively low, and there is also a fixed interest, so the income of the interbank certificate of deposit index** is relatively stable and the risk is relatively low.
However, the investors of interbank certificates of deposit are basically institutions, and individuals cannot directly participate in investment investment. However, by purchasing the Interbank Certificate of Deposit Index**, you can indirectly participate in the investment of interbank certificates of deposit.
The return of the Interbank Certificate of Deposit Index** may be slightly higher than that of the currency**, but it is not as stable as the currency**. Because the interbank certificate of deposit index is a net value index, it is inevitable that the income will fluctuate, and even occasionally there will be negative returns. However, as long as you insist on holding it, the interbank certificate of deposit index** will basically not lose.
Again, it's pure debt**. Pure debt** is a bond as the main investment object**, which can be divided into short-term debt**, short-term debt** and long-term debt** according to the different investment objects.
Since bonds also have a fixed interest, in the absence of default, the principal and interest will be repaid after maturity, so the ** with bonds as the investment object can also have a relatively stable income.
However, compared with the previous two**, the income stability of pure debt** is poorer. On the one hand, the risk of default of bonds is greater than that of monetary assets and interbank certificates of deposit, and in the event of default, not only will there be no interest, but even the principal may not be recovered.
On the other hand, bonds are also more volatile. Since most of the pure bonds are net worth, the income is greatly affected by the changes in the bonds, and the bonds fluctuate greatly, and the returns of the bonds also fluctuate greatly.
However, in the long run, the yield of bonds** is still relatively stable, and it is likely to be higher than the yield of currency** and interbank certificate of deposit index**.