300,000 yuan can be divided into three parts, and 654.38+10,000 yuan can be put into five-year automatic deposit; Another 654.38+10,000 yuan of fixed deposit is automatically transferred to 1 year; Another 654.38+million will buy Huaxia Return Fund. Five-year fixed deposits and funds are long-term investments, which bring stable income to families for a long time. Don't move at ordinary times. 1 year time deposit is usually used for emergencies. When the monthly balance is not enough, you can take it out and replenish it at any time after use, which is equivalent to an emergency safe.

The monthly balance is split in two again. For a deposit in the bank, open a time deposit passbook, and the deposit period will be determined according to your life expectation, so that it will be deposited once a month, and then a deposit certificate will expire every month. The other is the fixed investment of the fund, which will buy one for Bosera theme industry, Huaxia Return and Southern CSI 300 (back-end fee) fund respectively. The deposit in the passbook can be used at any time and will be automatically transferred away when it is not needed. The fund is used for long-term investment. After a few years, if the fund's income is high, it can be redeemed to buy real estate.

If you are familiar with stocks and gold, you can also spend a small amount of money to speculate, but the risk is great, so be careful! Up to one-third of the assets! Don't invest all your assets! Safety first!