Financial management is risky, so we should also consider risks while pursuing benefits, and keep some funds safe and risky, so time deposits are also a part that cannot be ignored. However, because the amount is relatively large, in fact, the benefits of certificates of deposit are higher than those of ordinary certificates of deposit, so we can choose to consider certificates of deposit when making deposits.
However, in the process of pursuing the maximum profit and income of financial management, it is not just a single purchase of financial management, but a reasonable allocation of funds to maximize profits and income while taking into account certain security. Details are as follows:
1. Withdraw two large deposits of 500,000 yuan in different banks. 654.38 million is not for high income, but for safety. The bank's deposit protection system stipulates that the principal will be guaranteed within 500,000 yuan, even if the bank goes bankrupt, it will be compensated. So deposit 500 thousand in two banks respectively, which can completely guarantee the safety of funds. Secondly, the income of certificates of deposit is higher than that of ordinary time deposits.
2. Take out 3 million yuan to buy bank financing. The 3 million here is mainly based on sound financial management. There are five levels of bank wealth management, among which R 1 and R2 wealth management products can be given priority. The income of R 1 R2' s wealth management products is generally higher than that of banks on a regular basis. Secondly, the risk is very small and there is basically no loss.
3. Take out 800,000 yuan to buy wealth management with slightly higher risks and higher returns. For example, it is ok to buy stock funds, hybrid funds, index funds, stocks and gold. You can start from your own situation and see which one you know better, so you can buy more.
At the time of purchase, you can also pay attention to the rational allocation of funds. Don't buy 800,000 shares or all of a fund. Although the return will be higher, the risk will be great. You can choose a combination of stocks and funds, such as 500,000 to buy funds and 300,000 to buy stocks, and then select several good funds from the funds, or select several good stocks from the stocks.
Take out 0.2 million/200 thousand to buy insurance. Insurance is an indispensable part of investment and financial management, which is very important. It is difficult for us to ensure that we will not get sick in the future, but the medical expenses are still relatively high. When buying insurance, you should look at the nature of the product clearly. You know, insurance is a protection against future diseases or accidents, and insurance compensation is very important.
In addition, when choosing, try to choose a well-known insurance company or a larger insurance company. Some companies will cheat people with the dual functions of insurance and financial management. When choosing an insurance company, we should pay attention to whether it is a regular company.
Summary: In the process of pursuing the maximization of profit and income from financial management, it is not only a single purchase of financial management, but also a reasonable allocation of funds to maximize profits and income while taking into account certain security. You can refer to the above 5 million financial management methods and make adjustments according to your own situation. After all, everyone's situation will be different.