In financial management, you must first tell others your financial situation, risk and liquidity requirements, so that you can prescribe the right medicine.

If you buy bank financial products, there is no liquidity, the risk is extremely low, and the return can reach about 5%;

If you buy a currency fund, the liquidity is high, the risk is extremely low , the income is about 3-4%. This can be used to accumulate funds and serve as reserves;

If you buy open-end stock funds, the liquidity is high and the risk is extremely high. Loss and doubling are possible. From the past three years, the past five years /6 loses money, and the income exceeds 1/60 of the 5-year time deposit. Except for currency and bond funds, other types of funds are even worse;

As for insurance, insurance is insurance. Letting insurance maintain and increase its value is completely wrong. What I mean is that the concept of insurance is always just in case.

Stocks, unless you are close to God, don’t touch them. As mentioned above, so-called professional stock funds are so miserable, why do you do better than others?

If you have a familiar physical project, you can consider starting a business. Of course, if you are a good businessman, you probably don’t need me to tell you how to manage your money.

There is also speculation in futures, speculation in gold, speculation in beans, speculation in pigs, cats and dogs. The risk is no less than that of the stock market. It's up to you.

Of course, you can also invest more than 1 million in partnership with someone you trust to purchase trust products. Not enough money, don’t recommend.

There is also P2P, the risk is much higher than that of trust, and these are troubled times. You are either a hero or a hero, but most likely you are a bear. Many times, if you think about it carefully, if you find that the risk, liquidity, and return of something are so harmoniously unified, and it turns out that there is really no free pie falling from the sky, then the authenticity of that thing is higher. on the contrary. . .