When choosing whether to buy a car or a fund, it depends on the needs of investors. If investors can earn more money by buying a better car to pick up customers because of their work, then buying a car is more cost-effective, because it is more practical to make money through work.
If you don't need to work, just because life is inconvenient without a car, there is no need to buy a 500 thousand car. You can choose a more affordable car and buy a car of around100000, leaving 400000 to buy fund financing.
Cars are consumables and need to be maintained, as well as oil and insurance fees. So generally speaking, it is recommended to spend most of the money on financial management, but when managing funds, it is not recommended to buy various funds, and you can choose a reasonable fund portfolio.
For example, if you buy a car for 6,543,800 yuan, and you have 400,000 yuan left to buy a fund, you can choose three funds, one is money fund to buy 6,543,800 yuan, and the other is pure debt fund to buy 6,543,800 yuan. Because these two types of funds have low risks and relatively stable returns, one is capital preservation, so it is possible to hold basic losses for a long time.
Then leave 0.2 million/200 thousand to invest in stock funds It is worth noting here that don't invest at one time. You can consider buying in batches, or investing in fixed investment funds to reduce risks.