First, configure some relatively stable wealth management products. For example, for bank wealth management products, there is little difference between the expected annualized expected returns of products of major banks, and the historical expected annualized expected returns are mostly around 4%~6%. The investment threshold is not high, about 50 thousand, and the expected annualized expected income is relatively stable. Or configure some internet financial products, such as Yisheng Wealth Yishengbao, which is popular in recent two years, and fix the expected annualized expected income. The expected annualized expected return of the product is 65,438+00% ~ it is just a sound financial management method of investment. I believe that for ordinary wage earners and urban white-collar workers, these expected annualized expected returns are much more cost-effective than the expected annualized expected returns of bank savings. Moreover, in the future, the savings interest of banks may be further lowered, and the overall environment of low expected annualized interest rate will be maintained. In this case, I believe that our actual investment and financial management will become more important.

Banks are selling high expected annualized expected returns. List of expected annualized expected income of bank wealth management products.

Secondly, it is suggested to allocate some venture capital products with higher expected annualized returns. For example, the stock it held before. Or you can allocate fund varieties with partial stocks. However, high risk does not necessarily break even. Therefore, in the allocation of funds, don't invest too much, and it will be better to focus on the above-mentioned steady investment and financial management.

Finally, I suggest that you pay more attention to the information about financial investment in your daily life and work, master and understand the financial dynamics, and adjust the investment direction in time. Investments such as stocks held at hand may be sensitive to policy factors.

Generally speaking, I believe that if you allocate your funds in the suggested way, although the amount is not very large, the expected annualized expected return may not be how much you will earn in an investment cycle, but persistent long-term financial investment will still have better results in personal wealth growth.