1. Investing in bonds and funds:
If you have 400,000 yuan, you can take out some money, such as 65,438+million investment bonds and funds. National debt, monetary fund, etc. Are very suitable for investment, not only safe, but also stable income, there will be no too much risk. This will not only guarantee the principal, but also gain income.
2. Investing in stocks and futures:
You can also spend some money on some high-risk investments, such as stocks and futures. You can also spend 654.38 million yuan on stocks and futures. Although their risks are high, their returns are also quite high. As long as you master skills, accumulate experience and maintain a good proper limit, you can also earn a lot of benefits.
3. Investing in gold:
As a famous precious metal, gold has collection and investment value. You can spend 50,000 yuan to make a fixed investment in gold, which will not affect the long-term income because of short-term fluctuations, which is more convenient.
4. Buy investment and financial insurance:
At present, many insurance financial management benefits are relatively high, such as annuity insurance, dividend insurance, universal insurance, investment-linked insurance, education insurance and so on. They have the functions of financial management and security. You can take out 50,000 yuan for insurance. Of course there are risks.
5. Bank deposits:
You can leave some in the bank, which will also prevent you from losing all your money because of the great financial risk. If 400,000 yuan is used for wealth management, you can leave 6,543,800 yuan in the bank. Of course, you can choose to buy some low-risk bank wealth management products.
The word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.