1, 10% liquidity.
It is inevitable that you will encounter some urgent need for money in your daily life, so you need to reserve a reserve fund that can be used at any time. Taking 654.38+10,000 yuan as an example, you can take out 10%, that is, 100,000 yuan as a reserve fund. This money can be used to buy baby wealth management products such as Yu 'ebao, which not only has good liquidity, but also can obtain higher income than the current bank demand.
2. 50% are stable investment products.
It is not easy to make money. Although investment products such as stocks have considerable potential returns, they also have risks. In order to avoid causing too much loss, 50% of the funds, that is, 50,000 yuan, can be invested in stable wealth management products, which can not only ensure the safety of funds to the maximum extent, but also obtain good returns.
Robust wealth management products include bank wealth management, internet wealth management, national debt, bond funds and so on. Bank wealth management products are also divided into five risk levels, among which R 1 and R2 have lower risks, and the expected annualized return is around 4%.
For national debt, Xiao Gan suggested that electronic national debt could be considered. The purchase is relatively simple, and there is no need to go to the bank to queue up. You can buy it directly in online banking or mobile banking, which is convenient and fast.
Internet financial management is a new financial management method that has emerged in recent years. Because of its high income and safe and convenient operation, it has won the favor of many investors, especially young investors. The expected annualized income is about 10%, which is worthy of attention.
3. 20% is used to invest in medium-risk products.
You can take out 20% of 6.5438+10,000 yuan, that is, 20,000 yuan for some medium-risk investments, such as fund products, such as bond funds, index funds and stock funds.
Bond funds refer to funds that invest exclusively in bonds, mainly in government bonds, financial bonds and corporate bonds, with relatively low risk.
Index fund is a fund used to track the trend of a stock market or an industry, which is related to the performance of an industry and fluctuates greatly.
Equity funds invest in the stock market, which is risky. Aggressive wealth management products can be considered.
If you want to invest in funds, you can consider index funds. In the long run, the income is still relatively good. However, if you want to reduce some risks, you can also consider some combinations, such as 50% index fund +50% bond fund combination, and adjust some funds regularly, which can also effectively spread risks.
4.20% invested in radical wealth management products.
Finally, 20% of the funds can be invested in high-risk and high-yield aggressive wealth management products, and more income can be obtained within the risk range. When it comes to wealth management products with high risks and considerable potential returns, ordinary investors are most familiar with stocks.
In addition, there are products such as gold and foreign exchange, which fluctuate greatly and are easily influenced by various political and economic policies around the world. It needs more energy and is more suitable for interested professionals to operate. If you don't know much about foreign exchange gold, you can also consider some Internet gold products or gold ETFs.
Precautions:
First, don't believe in getting rich overnight.
It is tempting for many people to get rich overnight, because getting rich overnight means they can have considerable wealth in a short time, even without their own efforts, such as winning the lottery.
Second, we should have our own judgment.
Because some investors don't understand the market, they especially like to follow suit. As long as there are so-called experts who say that a platform is good, they will follow suit and invest in this platform. As long as everyone says that a certain wealth management product is good, they will follow suit to buy wealth management products. They often just follow the trend without their own judgment, and often fall into futility.
Third, don't be a slave to emotions.
Emotion can control the behavior of investors. For example, when investors make profits, they often have a sense of inflation, thinking that they have great investment talent, so that they can't listen to other people's suggestions and advice, and finally they are defeated in their own way; However, when the investment loses money, it is easy to have the psychology of being eager to turn around, and invest a lot of money on impulse, resulting in more serious losses.
Fourth, proceed cautiously.
Investors will often go to bonus hunter through various platforms. If they win well, they can still make a lot of profits. If they don't make good use of it, they may lose everything. Although there are advantages and disadvantages, ordinary investors should use it carefully.