At present, lump-sum deposits and withdrawals are only 1 year and 3 years, and the interest on 1 year is 3. 1%. After one year, the principal is 42,000 yuan and the interest is 705.25 yuan. This 42,705.25 yuan can be saved for one year, with the interest rate of 3.5% and the interest of 1.494.68 yuan. The rest will be paid in installments every month, which is 42,705.25 yuan in that year. The principal income due after two years is 86,905.5438+08 yuan, and the total due income is 2905,438+08 yuan. This is the easiest way.

Another method, money market fund, has an annual income equal to or greater than 3.5% of one-year time deposit, and the principal is risk-free. If the annual interest rate is 4%, and 3500 yuan is invested in the fund every month for 24 months, the due principal income is 89 107.2 yuan, and the total due income is 5 107.2 yuan.

The third method, method 2+ bank financing, can basically raise 50,000 yuan by investing in the goods base 1 year for two months, buy RMB wealth management products from the bank for 360 days, with a yield of 4.5%, and continue to invest in the goods base for the rest. This method can earn hundreds of dollars more than method 2, but it is also locked for 2 months.

This is the financial management method that I have come up with to completely guarantee the safety of the principal. Because investment is regular, risk = income. If you want to pursue the biggest gain, you should be prepared to face the biggest loss. There is no risk to reach 90,000 yuan (annualized 4%) in two years, but it will reach 6,543.8+10,000 yuan (annualized 654.38+ 02%), which is bound to bear the risk of losing several thousand yuan.

I hope I can help you. Jesus loves you!