To do investment and financial management, the most important thing is nothing more than two aspects, one is the safety of funds and the other is the amount of income. Everyone who does investment and financial management hopes to get more benefits while ensuring the safety of funds. Just trying to do this is not easy, because high security and high income are usually not both. So, what kind of financial management can not only ensure the safety of the principal, but also get the maximum benefit?

First of all, if you want to protect your capital and maximize your income, the safer way is to find a high-yield financial management.

However, there are not many guaranteed financial management in the market, including bank deposits, national debt and structured deposits. Among these kinds of capital preservation financial management, the highest rate of return should be structured deposits. Generally, the highest interest rate of bank deposits will not exceed 5%, the interest rate of government bonds will not exceed 4%, and the highest expected rate of return of structured deposits can reach more than 6%.

But the highest rate of return in this way is about 6%-7%, and it is almost impossible to think higher. Moreover, even structured deposits with a yield of 6%-7% can only be seen occasionally, and you can't buy them if you want.

In the past, there may be capital preservation funds to choose from, and some excellent capital preservation funds may have a yield of more than 10%. But now the capital preservation fund is not allowed to be issued, so there is no choice.

Buying a guaranteed financial product is relatively stable, but the maximum income you can get will not be very high. If someone really tells you that there is a product with guaranteed capital, the income is high and the probability is high. And if you want to get higher returns, you can only use another method, that is, to establish a portfolio of investment and financial management.

If an investment and wealth management portfolio wants to protect its capital and get high returns as much as possible, it must put most of its funds on safer wealth management products, such as bank deposits. In addition, a small amount of money is put on high-risk and high-yield wealth management products, such as stocks and futures.

For example, if someone has 1000000 financial funds, and the cycle is 1 year, to ensure that the principal of 1000000 will not be lost after 1 year, you can withdraw 96 15000 with an interest rate of 4% from the bank deposit and withdraw 385000. At this time, even if all the funds invested in stocks and futures are lost, there will still be 1 10,000 after 1 year, because the interest of 96 1500 is just 38,500.

Of course, there is actually more money invested in stocks or futures. For example, the funds set above for investing in stocks or futures can only lose 50% at most. Once the investment reaches 50%, you can invest 56,000 yuan in stocks or futures, and you can also guarantee that 654.38+0 years later, 654.38+0 million yuan will not lose.

Because the more money you can invest in high-yield stocks or futures, the more you earn. If the return of 56,000 yuan invested in stock futures is 100%, the return on investment after one year will be close to 10%.

In fact, whether it is a structured deposit or a capital preservation fund, it can not only preserve the capital, but also pursue the maximization of income, which is also the method of this financial portfolio. For example, structured deposits, that is, most of the funds are put in deposits and a small part is used to invest in financial derivatives. Even if the return on investment in high-risk financial derivatives is not ideal, at least the principal can be guaranteed not to be damaged.