The specific investment methods are as follows:

1. Have a clear understanding of yourself

How old you are represents your risk tolerance. How much risk you are willing to take can lead to the corresponding reward. 20 years old and 50 years old are completely different concepts of risk

The source of the 600,000, whether it is earned by yourself or given by your parents, the annual cash flow, how long you are willing to invest this 600,000, and whether you can live as expected without relying on this 600,000 with the current cash flow. In short, you must have a clear understanding of your current situation.

2. You want stable and high income, and you also hope to have liquidity, because it is too difficult to cash out a house. Based on this, you can consider the following projects:

A. Bank trust projects. If a trust company sells it directly, it is easy to have moral hazard. If you buy it from a bank, although the product may be one (but the package may not be one), the bank will check it. The difference in basic income is 2-3 points, which is counted as payment. Audit fees to the bank. Currently, the trust rates of major banks are 6.5-7 points for one year, 8 points for two years, and 8.5-9 points for three years, with interest paid annually. That is to say, you can get back 60*0.08 (2 years) = 48,000 in interest every year

Bank trust can be bought for 600,000. Based on the cash flow and the expectation of the 600,000 repayment, you can consider one 2 years and 3 years

It should be noted that to see clearly the mortgage rate of this project, please consult the account manager in charge of your account bank.

B. Hedge funds sold by banks. This bank probably earns subscription fees and later charges management fees from the fund company. Hedge funds are R3 products in banks (ask the bank if you don’t understand this term), and the market return is about 8-12 points when the market fluctuates.

C. Don't consider the so-called P2P. At the 600,000 level, the risk and return are completely disproportionate.

D. If you have the ability to bear risks, if the market situation in the next year is promising, you can invest in a stock fund. It doesn't matter the starting point for public offerings, private placements always start at 500,000.

Reference for specific details:

1. Invest 600,000 in a trust for three years and get 9 points of income.

2. Invest 600,000 in private placement in January, and the expected return is unpredictable.

3. At the end of 2015, redeem the private placement and invest 600,000 in a 3-year trust.

4. Received 48,000 in interest at the end of 2016.

5. In 2017, the principal of 600,000 was recovered and the interest was 90,000.

6. In 2018, the principal of 1 million was recovered and the interest was 90,000.