"As the old saying goes,' Take Qian Shengqian as an example'. There are many ways to manage money with 50,000 yuan. The main difference is the level of income and the safety of investment. 50,000 yuan of steady and safe financial management, as well as bank demand deposits, balance treasure, universal insurance and other financial products with low interest rates and large background.
1, don't touch futures and foreign exchange, you can get rich or disappear, 50 thousand is something that disappears in one minute.
It is an unchangeable fact that the greater the income, the higher the risk. The biggest gains were in stocks, futures and index funds. The risk is very high, and the savings for two years will be lost if you are not careful. The income is followed by the universal account of the insurance company, with compound interest of 5%-6%. Short-term money is not suitable for putting in, which is safe and risk-free.
You can save gradually to get higher interest. Suppose you have 50,000 yuan in cash, which can be divided into five equal certificates of deposit for 1 year, 2-year, 3-year, 4-year and 5-year respectively.
1 one-year certificate of deposit 1 000 yuan can be transferred to 5-year certificate of deposit 1 000 yuan after maturity; A 2-year time deposit certificate of RMB 65,438+0,000 will be changed to a 5-year time deposit certificate upon expiration. By analogy, five years later, the last payment due in five years 1 0,000 yuan is also changed to a five-year term. In this way, a five-year deposit certificate will expire every year and you can earn higher interest. 4. The longer the deposit period of the silver card, the more cost-effective. From the perspective of deposit interest rate, we should choose short-term time deposit. On the one hand, the deposit term has little effect on the interest rate, and the difference between the one-year deposit interest rate and the five-year deposit interest rate is only 0.675‰ per month.
On the other hand, the deposit interest rate is now the lowest in history, and there is not much room for further interest rate reduction. If the interest rate is raised in the future, if you choose long-term deposits, you will not be able to enjoy higher interest rates for a period of time when the interest rate is raised, and there will be losses. 5. Short-term deposits are highly liquid and can be transferred immediately after maturity.