If your money can be sure that it will not be used in the next three to five years, it is not suitable for managing money now. Because the current financial management, the relative interest is still relatively low. You can consider buying government bonds or certificates of deposit.

1. national debt

The latest national debt has a three-year interest rate of 3.4% and a five-year interest rate of 3.57%. And debt interest can extract it every year. If you buy three-year treasury bonds with 6,543,800 yuan, you can get interest every year: 340 × 654,38+00 = 3,400 yuan.

Average daily interest 9.3 yuan. If you spend 65,438+10,000 yuan on five-year certificates of deposit, the annual interest you can get is: 357×10 = 3,570 yuan.

This average daily interest rate has exceeded 10 yuan, almost twice the income of Yu 'ebao.

2. Time deposit

At present, local small banks have three-year certificates of deposit, and the interest rate is around 3.6%. The interest on five-year certificates of deposit is around 4.0%.

65438+ 100000 yuan. If you buy a three-year certificate of deposit, the interest due is: 10× 360× 3 = 10800 yuan.

65438+ ten thousand yuan, buy a five-year certificate of deposit, and the interest at maturity is: 10× 400× 5 = 20000 yuan.

After buying a large deposit certificate, you can see that the principal is increasing. Most importantly, certificates of deposit or deposits are protected by the Deposit Insurance Ordinance.

For ordinary people, we don't need such a complicated financial plan. As long as the principal can ensure safety and good returns, it is enough. Like my family's money, my arrangement for them is simple: most of them buy large deposit certificates to generate interest. A few of them are put in the current financial management, which is very convenient to use. The advantage of this arrangement is that interest-bearing funds can be obtained. If you need money in an emergency, you can always withdraw it from the current financial management. Ordinary people need financial management, but they don't need excessive financial management.

On weekdays, it is enough to buy a national debt and a large deposit certificate with inexhaustible money. As for stocks, funds and futures, the returns are great, but the risks are also particularly great. If you are lucky, you can earn a lot. But when the market is bad, it is a trivial matter to confiscate the benefits, and the principal may be folded in.

Be sure to remember: how high a return you want, how much risk you have to take. High returns are bound to be accompanied by high risks.