Before investing 6,543,800 yuan in financial management, you should first analyze the proportion of 6,543,800 yuan in your entire assets. ? If this 6,543,800+million is all the possessions you can invest in, then it is more important to diversify risks than to gain income. We should pursue safe and sustainable income. First of all, this10 million solution can't buy a single product. Because once the risk breaks out, it may be wiped out. In the long run, fixed-income products such as trust and P2P can achieve a rate of return above 10%, which is not without risks. And high-risk products such as stocks and equity funds can't even guarantee positive returns. Therefore, in order to pursue a long-term stable rate of return above 10%, don't put money on one asset, but build a portfolio. Moreover, we should be prepared for losses, because the income above 10% is a long-term concept, and the actual income will keep fluctuating. This year may be 17%, next year may be 5%, and the year after next may be 1 1% ... In the long run, it may be stable at/kloc-. This investment has been a great success. You can keep most of your assets and strive for a stable return of around 65,438+00%. For example, we can use most of our assets to buy some low-risk wealth management products, such as bank wealth management products, bonds, debt bases, low-risk Internet financial wealth management products, P2P and so on. Then leave a small amount of money on stocks, stock bases and other products and get a return of more than 30%. However, it should be noted that for these high-risk and high-yield varieties of investment, we must take the funds we can afford, even at the expense of losing money. Only in this way can we maintain a good and healthy attitude. Financial management is to manage life. If you get angry in a hurry and lose your health, financial management will lose its meaning. Friends in second-and third-tier cities can consider investing in real estate, but at present, real estate has lost its long-term motivation and the house can no longer be regarded as a good investment product. It is also not suitable for short-term speculation, because it is not as good as stocks. In addition, if the assets exceed one million, many people will consider investing in gold, silver, futures, collectibles and artworks. However, it should be noted that these alternative investments need a long period, relevant background knowledge and sufficient understanding of related industries. Moreover, investment products such as collectibles and artworks need to be held for a long time, and it is very difficult to realize them. In addition, how to invest the assets of 6,543,800 yuan is also related to age. Young people are in the period of career promotion and their income is increasing. Taking career return as the "back road", the proportion of funds used to invest in high-risk products can be larger. After entering middle age, there are old people and young people, and they will also enter old age. It is necessary to keep some assets in stable and safe varieties for use when family expenses are large. For the elderly financial management, the situation is completely different. Old people invest their own pension money and don't expect to make much money. As long as we can live a good life and beat inflation in our lifetime, we should focus on fixed-income products with stable income.