There are several ways to manage 500,000 yuan, which I personally think can be divided into. Low risk, medium risk and high risk are acceptable according to the investment needs of most people, because although the rate of return is high, the risk is too high.

The investment with the lowest risk is the certificate of deposit, which is very similar to ordinary bank deposits, except that the certificate of deposit has a corresponding financial plan, and each bank may be different. However, most banks require certificates of deposit of more than 300,000 yuan, so 500,000 yuan fully meets this threshold. You can consider the certificates of deposit financing plans of major banks to see which one has higher yield and better flexibility, and you can get better protection. Although the rate of return is not too high, it is safe.

The intermediate risk is to buy some fund gold to preserve the value. The fund does have some changes, but if your vision is not particularly bad, you will rarely lose everything. You may not make much money in the end, or even lose a little, but it will never change as much as a stock, and you can see its trend. It has the change rate of gold and silver every day, not to mention the preservation of precious metals, the price you see. It won't damage your principal.

Advanced risk means that if you invest 500 thousand yuan in a stock or futures, you can reach the threshold of that investment. You can make these investments, but the risks are really high. Maybe if you are lucky in investing in stocks, you can earn 10% or more a month, but if you are unlucky, you may lose so much. Futures is similar, involving many complicated things.