Extended data:
How to manage money with 300 million yuan;
Divide into three risk files to discuss, choose what kind of financial management or investment channels, and see what kind of risk tolerance you have.
1, low risk: bank time deposits, national debt, capital-guaranteed bank wealth management products, etc. Of course, if you have access, you can buy some American debt and Japanese debt, and the income is generally 3%-5%. There is basically no risk, and the income is relatively low, which is suitable for people with low risk tolerance and easy satisfaction;
2, moderate risk: stocks-choose large-cap blue-chip stocks to hold for a long time, do not do short-term speculation, wait for annual dividends; Buying a house-with the acceleration of urbanization, the domestic real estate market will rise for at least one 10 year, so if you have money, buy a house and rent it for 2 or 3 years before selling it; Non-guaranteed bank wealth management products, etc. This kind of investment has certain risks, and the income is basically around 8%- 15%, which is suitable for people with certain risk tolerance and certain requirements for income;
3, high risk: stocks-short-term fast-forward and fast-out; Foreign exchange-betting on appreciation; Futures-long and short game; Private lending, or usury, of course, if you can get the license of a small loan company is the best. This is a legal usury. This kind of investment, if operated well, is at least 50% of the net income. Of course, if the operation is improper, it will be completely annihilated.
Financial management method
Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. Bank investment
The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.
2. Financial management of securities companies
Securities financing generally includes securities income certificates, asset management products and so on.
3. Insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
4. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
5. E-commerce financial management
2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.
Second, financial management methods
1. You need to open a corresponding wealth management account when you go to a bank or securities company for wealth management. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.
2. Financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.
3. The procedures for investing in a company are relatively convenient, and generally you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.