First of all, keep a working capital of about 200,000, which can be partially current, and the other 3 50,000 fixed-term deposits. The advantage of this is that if there is an emergency but you don’t need more money, you can just Use one or two passbooks, and you can enjoy regular interest rates on the rest;

Second, insurance is also necessary, but in China, there is no need to copy foreign experience. After all, China’s insurance is not as good as that of foreign countries. That's good. It is recommended to buy some accident insurance, health and disease insurance, etc. The total investment stocks should be higher than 5% of the assets, which is within 250,000;

Third, invest in fixed income trusts or bank financial management, these are all It is an extremely safe product. The trust starts at 1 million, with a yield of 8-12%, and a term of 1 to 3 years. The starting point for bank financing is low, with a yield of 4-6% and a short term;

Fourth, Invest appropriately in some risky investments, such as stocks, funds, etc. Now stocks are basically status quo. It is difficult to say whether they will rise in the future. The probability of loss is still not high. If you are too lazy to choose, just buy index funds;

As for gold, silver spot, futures, art investment, etc., you can participate appropriately according to your knowledge and interests, or ignore it. I am opposed to investing in such leveraged investments. There are also long-term treasury bonds, corporate bonds, etc. These have not been risky, so you can also consider them.