适当“投机倒把”。储蓄收益虽然较为稳妥,但当前利率是历史上较低的时期,如此低的利息收益很难抵御物价上涨所带来的货币贬值风险。因此,投资者不妨适当进行一些有风险、但收益相对较高的“投机”类理财。当前单是在银行办理的就有开放式基金、国债、分红保险等多个品种,许多银行和证券公司近期还联合推出了一种“保利理财”的委托业务,这些投资方式的综合收益多数会高于银行储蓄。 Proper “speculation.” Savings are relatively sound, but current interest rates are historically low, and such low interest returns are hard to withstand the risk of currency devaluation caused by rising prices. Therefore, investors may wish to properly carry out some “speculative” wealth management products that are risky but have relatively high returns. At present, there are many types of open-end funds, government bonds and dividend insurance handled by banks. Recently, many banks and securities companies jointly launched a kind of entrusted business of “Poly Money Management.” Most of the comprehensive incomes of these investment forms Higher than bank savings.