1, deposit all the money in the bank to collect interest.
As long as the deposit is less than 500 thousand, the principal and interest can be basically guaranteed. As long as there is no extreme situation in the bank, the money can basically be recovered 100%. You have 500,000 disposable funds, so you can choose to buy certificates of deposit. At present, the interest rate of most three-year certificates of deposit is around 4. 18%.
Of course, in addition to large certificates of deposit, in order to obtain higher returns, you can also choose to deposit a three-year or five-year deposit in some small and medium-sized banks. At present, the five-year deposit interest rate of some private banks and credit cooperatives can reach more than 5%, which is considerable.
2. Buy government bonds
National debt is a national debt issued by the Ministry of Finance, which is guaranteed by national credit, so the security is also very high and there is basically no risk. At present, the interest rate of three-year E-bonds is 4%, and the interest rate of five-year E-bonds is 4.27%, which is similar to the interest rate of bank certificates of deposit.
Second, if your risk tolerance is moderate, you can choose some low-risk and medium-risk financial products. I don't know if your 500,000 fund is all your possessions or a relatively idle fund. If your personal income is relatively high, for example, your monthly salary is above15,000, which means you can take relatively high risks, then I suggest you choose some low-risk financial products.
1, low-risk wealth management products of banks
Although the current bank wealth management products can't protect the principal and interest, it is still relatively reliable to choose the appropriate wealth management products in the bank. At present, the annualized rate of return of some wealth management products launched by banks is around 4%~6%, and the term is generally around one year. After these wealth management products expire, you can continue to extend them, get compound interest and maximize the capital gains.
2. Put it in a trust institution
Although the threshold of trust subscription is 6.5438+0 million, and personal assets must reach more than 3 million, it is difficult for ordinary people to meet the requirements of trust. Some trust wealth management products launched by financial institutions can be purchased at a starting price of 50,000, which is more reliable.
According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
What is financial management?
When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
1, financial management is a lifelong treasure, not just to solve the problem of urgent need for money.
2. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
3. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
Where can I manage my money?
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.
1, bank financing
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Financial management of investment companies
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
4.APP financial management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.