When it's finished, it's really for you.
Deposit in the bank, don't let the staff fool you into buying wealth management products, and you will survive.
I have a suggestion for reference only. If it helps you, it will be my pleasure!
My husband left you 500 thousand, you will retire immediately, and you also have a pension. 500 thousand is not money for stars, but it is also a lot of money for us ordinary people.
You asked, it seems that you are not an expert in financial management, so you don't have to consider financial management, because it is risky.
Don't invest in stocks and futures. If you are not a professional, the risk is greater, and professionals often stand in and lie out.
500 thousand can't afford a good house in a lot. Moreover, real estate is also an undercurrent industry, and the direction is unclear. If the price of cabbage goes up, it will be even worse.
The safest way not to shrink is to keep it in the bank for more than three years, with low interest but not shrinking.
Also, you don't want this 500 thousand to shrink, but it's of little value to keep it. On the surface, it seems that it has not shrunk, and the actual value is not equal to money.
I think the best way is to spend this 500,000 yuan to improve my life, travel several times a year, wear my favorite clothes and eat my favorite food. You live well, and your health and happiness are the real value of this 500 thousand.
You are 49 years old, and spending money on yourself is the greatest value preservation!
A woman who has no opinion makes you feel sorry for yourself for 500 thousand? ! Now 500 thousand can only buy 30 square meters of "small house" and can't do big things? !
How not to shrink? As long as you are not greedy, don't engage in any wealth management products and don't lend usury. If you deposit in a rural commercial bank for 3 years, the interest rate is 4.2%. How much interest will you calculate a year? ! As long as you don't gamble, take drugs or blindly speculate in stocks, your money will not shrink, but will increase the principal and interest year by year!
Such a simple question has become so tangled? !
This also shows that you are new to society and have insufficient experience. No wonder!
I hope you can practice more in your life and learn how to manage your family from people who have experience in managing your family. After a long time, you will have a complete set of ability to manage your family, and there will be no difficulty in dealing with the 500 thousand left by your husband! ! !
Can the above personal suggestions help you for your reference! Thank you.
The deceased left 500 thousand, which is your husband and wife's business
We have accumulated love for half a lifetime together, and your love is enviable!
I just didn't make it to the end.
Don't try to keep the money from shrinking.
You work normally and retire normally.
No problem.
Most of them are fixed-term, a small part of national debt and a smaller part of funds are fixed.
You are only forty-nine years old, and you will retire soon. It must be an enterprise, otherwise it is impossible. 500,000 deposits are also reliable. Financial management is risky, and I have always been worried. High interest rates are not reliable, but this is also lost. What ordinary people can't do. It only exists in the bank and is kept safely on a regular basis. If the interest rate is lower, the risk can lag behind. If you have money, you can let it go, and you will not worry about it in the future. Take a walk while you are still young. As long as you read it, you will rely on it in the future. The savings pension is in your hands. If you let life take its course, you will have no worries. Money is the guarantee, don't let it go.
For a single woman who is about to retire, only 500,000 yuan is used for providing for the elderly. Not much, but not too little. Try not to let the money shrink, which is really a problem to consider.
In order to improve the quality of life of the elderly (after all, the more places to spend money), the usual living expenses can be solved by retirement wages. Money used to support the elderly should not be moved unless absolutely necessary.
500,000 cash still needs to be taken care of. On the basis of capital preservation, we will strive to make Qian Shengqian fight against shrinkage; It is suggested that 500,000 yuan should be divided into three parts to obtain relatively high, medium and low income respectively:
1, set aside 300,000 time deposits and obtain stable bank interest income.
2. Take out 654.38+ten thousand yuan to buy treasury bonds, and obtain treasury bond income higher than bank interest.
3. Take out 654.38+10,000 yuan to buy the fund, and get higher fund investment income.
The first time deposit of RMB 300,000 is as follows:
1, 654.38+ten thousand yuan for one year, 654.38+ten thousand yuan for two years and 654.38+ten thousand yuan for three years.
2. When the first deposit is 6,543,800 yuan, you can get 654.38+ 0.75% interest and 654.38+0.75% principal at the current one-year fixed deposit rate. Deposit the principal of 6,543,800 yuan into the second three-year time deposit. Open a separate account with interest 1750 yuan (we estimate that this account is called income account) and buy it as a money fund. Earnings are higher than demand deposits.
3. When the second deposit of RMB 654.38+10,000 yuan expires, according to the current two-year fixed deposit rate of 265.438+0%, you can get interest of RMB 4,200 yuan and principal of RMB 654.38+10,000 yuan. Similarly, 6,543,800 yuan of principal was deposited in the third three-year time deposit, and 4,200 yuan was deposited in the previous income account to buy the money fund.
4. When the third payment of 654.38 million yuan is due, according to the current three-year fixed deposit interest rate of 2.75%, you can get 8250 yuan interest and 654.38 million yuan principal, and the interest will be deposited in the income account, and the 654.38 million yuan principal will continue to be deposited for three years.
After that, the annual maturity is 654.38 million yuan, and the annual interest is 8250 yuan. Cycle operation, the principal will continue to be deposited for three years, and the interest will be deposited in the income account.
Let's look at the income account at this time, and deposit three separately:
1750+4200+8250 =14200 yuan (money fund income is omitted here)
Take out 10 thousand to buy one-year treasury bonds, and leave the remaining 4200 in the account, and continue to buy one-year treasury bonds after making up 10 thousand with the proceeds in the coming year.
The second purchase of three-year treasury bonds is 654.38+10,000 yuan. According to the current interest rate of three-year treasury bonds of 3.8%, you can get interest at maturity 1 1400 yuan. The principal will continue to buy three-year treasury bonds, and the interest will be deposited in the income account. When you get to the prefix, take out the whole number to buy government bonds.
The third investment fund is 654.38 million yuan; First of all, if you buy 6,543,800 yuan into a money fund, you can get higher interest than a demand deposit.
Then choose a pharmaceutical fund with good performance, conduct follow-up research, buy it in batches at a good time, redeem it when the income reaches 20%, turn the principal into a monetary fund, wait for the next investment opportunity, deposit the income into the income account above, and buy the national debt with an integer with a prefix of ten thousand.
This arrangement can not only ensure that there is emergency living money every year, but also have relatively long-term investment, strive for the maximum income, and try to avoid shrinking the principal of 500,000 yuan.
I hope my answer can help and inspire you, which will be the greatest comfort.
wealth management