If you don't have a house yet and have a huge sum of 400 thousand in your hand, then I think it is more practical to pay the down payment first and then buy a house. Although there have been rumors that house prices are high and will fall, in the end, the whole amount became a down payment, and the down payment became a garage. Therefore, if there is no room, buy a house first, don't listen to what people around you say that the price will be reduced soon, don't buy it.

You can look at it and convince your people to buy it all if you can. Let's take a real case: a colleague of mine started to look at the house from 20 15. During this period, he tried several times to listen to the online and colleagues around him saying that house prices would fall, and then wait and see. As a result, he will buy a house when he gets married this year. At this time, the house price has doubled from 20 15.

If you already own a house and don't want to buy a house for 300 thousand or 400 thousand, it depends on your personal choice. My personal suggestion is that most funds (such as 300 thousand) choose large deposit certificates. The interest rate of certificates of deposit is higher than that of traditional certificates of deposit, generally above 4% for three years, and 4.25% and 4.5% for local banks. This interest rate may be slightly lower than that of wealth management products.

You can withdraw in advance at any time, and the interest at the time of withdrawal is calculated according to the method of relying on documents, instead of using the current account as usual, so the large deposit certificate has both income and liquidity, and the term just matches your requirement of three to five years.

The remaining 6,543,800 yuan can be appropriately invested in some low-risk products with higher returns, such as R3 wealth management products of banks (taking returns) or open-ended wealth management products of banks (similar to money funds, which can be withdrawn at any time, and the yield is higher than that of money funds, which is generally around 3.5% at present), or you can try to invest in funds. Most long-term funds are basically profitable, and the rate of return will not be too low.

I don't recommend you to speculate in stocks or gold, mainly because the risk is too high. In today's society, it's not easy to make money, and the stock is fine. At least you don't sell them. You only lose money in name, but speculating in gold, options and futures is very likely to be lost by PC, which is a real loss.

abstract

If it is not a special family, then 300,000 to 400,000 is a big sum for everyone, which is the result of many people's struggle for decades. Don't blindly pursue high-yield investment, and safety is the priority.