My investment period of 1 10,000 yuan is 2-3 years. I pursue the average annual return on investment in the next three years and try to avoid excessive risks, 80% of which is used for long-term investment. According to the law of 100, the investment ratio of high-risk assets cannot exceed "100- age". Therefore, I will invest no less than 500,000 equity funds (consider the industry development trend or invest in Alpha) or index funds (consider Harvest 300 or SSE 50). ). The specific investment mode is 654.38+10,000 yuan per month. This investment was completed within five months from the end of 2008 to the beginning of 2009. In this process, temporarily idle funds are invested in 1 month fixed expected annualized expected income products. This part of the investment is held until 20 10 -20 1 1 year, and the conservative expected return exceeds 30%.

Thirdly, invest 30% of the funds in medium-risk assets, with an expected annual income of 10%. Mainly invest in futures arbitrage products, such as copper cross-market arbitrage, extrusion arbitrage, spot arbitrage and so on. , with low risk to obtain absolute returns.

In addition, the remaining 20% will be invested in low-risk and high-liquidity investments, that is, the expected annual income is about 6%. I allocate about 15% in principal guaranteed fund, and invest the other 5% in bond funds.

One of the main misunderstandings of financial management is that the more money you have, the less you need to manage money, because financial management is to make money. If you have money, why should you manage it? In fact, the main purpose of financial management is not to make money, but to meet the various needs for cash in the future. Making money is only a means to realize this demand. Young people have 6.5438+0 million yuan, so they should set their life goals as soon as possible and then determine their financial plans.