Financial products should be selected according to the length of idle time. If the money will not be used for more than five years, you can invest in some high-risk funds. If you want to use it in a short period of one year, you can only invest in low-risk and good liquidity, such as money funds and short-term low-risk bank wealth management products.

If you don't use this money for more than one year, and you are a person with low risk tolerance, you can refer to putting 30% to 50% of your assets, that is,/kloc-0.50 million to 250 thousand, in growth assets, which has certain fluctuations and risks; Put 50%-70% of assets, that is, 250,000 to 350,000 in fixed interest assets, assets with low risk or very low risk.

If you are a novice in financial management, it is recommended to be conservative and put RMB 6,543.8+0.5 million in a medium-risk bond fund, which is a medium-risk financial product. Bond funds are also divided into pure debt funds. General bond funds invest 80% in various bonds and 20% in stock market, convertible bonds and new shares.

Pure debt funds, as the name implies, are only funds that invest in bonds, and the risk is lower than that of bond funds, and the risk of long-term pure debt funds is lower than that of general bond funds. Therefore, 654.38+0.5 million can be put in bond funds or long-term pure debt funds, or 654.38+0.5 million can be divided into two parts according to 55, 64 and 37, and some of them, for example, 654.38+0.5 million can be bought in bond funds and 50,000 can be bought.

The remaining 350,000 is placed in fixed-interest assets, such as money funds, low-risk bank wealth management products, wealth management products guaranteed by brokers, and large deposit certificates. The income is about 2%-3%.

In short, investment is generally low risk and low return. If you want to protect your capital, you can only accept low returns. I am also looking forward to finding high-yield and low-risk, but I haven't found it so far.