After we have a basic understanding of short-term investment, we will definitely fall into a dilemma of choice. On the one hand, we certainly want to avoid losing our principal, frequent investment operations, and financial difficulties beyond our understanding that need to be solved. It is better to let us make money lying down. But for today's society, the speed of capital operation is far faster than the period of cultural development. There is really no chance of making money like this. If someone tells you that I have an opportunity to make money quickly, as long as you give me the money and I help you operate it, you can easily take 30% of the income in how long. Then, trust me, this person is definitely a liar, and his level is not high. You should know that the annual current interest rate of the bank is about 1% - 3%, and the five-year deposit interest rate will not exceed 5%. In this case, someone tells you that he can help you pay you 30% of your income within a period of time. Who can be a liar? Therefore, having basic financial knowledge will help you avoid risks and help you make decisions quickly when you hesitate.

Investors who choose short-term financial management know that bond funds are divided into corporate and government ones, so it is obvious that we can also see from the literal sense who issued them and whose security performance is higher. Bonds are issued by companies, and another fund bond is issued by the government. It is certain that the bonds issued by the government are safer. Compared with corporate bonds, the only difference is that the issuer is the U.S. federal government and its agencies. The risk of the company's fund bonds is naturally much lower than that of the stock market, but the yield is relatively small, which is well-known for its security. The interest is also paid regularly, with a cycle of about half a year or once a quarter. That is, you can obtain the expected income once in three or six months. It is also constructive for you to make corresponding plans. Government bonds, in fact, are invested by government agencies after they buy government bonds, treasury bills, mortgages, and other products from institutions such as mortgage loan associations. It is a layer of government protection on the basis of corporate fund bonds, which is an excellent choice for investors with weak risk tolerance. Because government bonds will be fully trusted and supported by the United States, the state guarantees such a safety factor. Low-interest rate rise or fall has little impact on the price of fund bonds. Because the second layer of security is provided by the government and the risk is shared by it, the income will be lower than that of corporate fund bonds, and the interest will be less.

If you think such fund bonds are also risky, here's a small suggestion. You can choose diversified portfolio bonds instead of one-way ones. Risk sharing is also good, which can further reduce the risk rate. Sealants are very safe for many financial products, especially since the bonds you buy are various.

（Writer：Dick）