With the enhancement of people's financial awareness, more and more people are not satisfied with the weak interest rate of bank time deposits and begin to pay attention to financial products with higher returns. Wealth management products are generally divided into three categories, namely stocks, funds and bonds. From the perspective of risk, the risk of stocks is the highest. Of course, if you choose the right one, the income will be considerable, followed by funds, which are generally suitable for medium and long-term holding and the income will be considerable. There are many kinds of bonds, the safest one is national debt, and the corresponding income will be lower.

In addition to large investment projects such as stocks, funds and bonds, there are many other investment projects that are also worth investing in. For example, both Hong Kong stocks and A-shares are new shares, and once they win the lottery, the income is also considerable. When we have a budget of 10 million yuan, we can still choose many wealth management products. First, you can invest one-third of your money in stocks. Secondly, one-third of the money is invested in funds, and finally, the remaining one-third is invested in bonds and others.

One third of the funds are invested in stocks. Although there are risks in stocks, the rate of return is also high. If you want to get high returns, you still need to invest in stocks. Some systematic study is suggested. When making a purchase, you can make a long-term investment with some money, buy white horse stocks or stocks with investment value, and make a short-term investment with some money.

Second, one-third of the funds are invested in the fund. Funds are also divided into active funds and passive funds. Passive fund is an index fund, which is highly recommended by Warren Buffett. If the long-term investment income is not lower than that of stocks, the risk is much lower than that of stocks. We can buy some index funds and some active funds.

Three, one third of the funds are invested in bonds and other investment products. For bonds, it is recommended to allocate convertible bonds. Convertible bonds, as an investment product that can be attacked and retreated, are also worth investing. In addition, you can buy REITs products, open overseas accounts and make new investments in Hong Kong stocks, and the income is also very good.