One idea of investment is: don't put eggs in one basket.

The meaning is very simple, that is, diversifying investment, and the specific operation method is difficult, which is related to people's age, income and personal risk preference.

A recommended combination is the pyramid investment method, which is to design your asset allocation like a golden pagoda.

Low-risk and low-yield products: insurance, treasury bonds, time deposits, bank financing (there are many kinds of bank financing, so don't buy bancassurance products if you want to find cash investment targets), money funds, bond funds, and treasury bonds pledged for repurchase.

Medium-risk return: stock funds, hybrid funds and index funds (these funds actually belong to high-risk types, but the risks are medium compared with the following products).

High risk and high return: stocks, bonds (for the purpose of buying low and selling high) and futures, including the stock option trading we are testing now.

I don't know what stage your age is, but according to your income and funds, I will give you a simple design for reference only.

The monthly income is 5000. It is recommended to invest 30% of the monthly income, namely 1.500 yuan (one year 1.800 yuan).

The capital of 65,438+10,000 yuan can be invested according to the pyramid and distributed according to 5:3:2.

First of all, buy insurance for yourself, your lover and your children (I don't sell insurance, but insurance is definitely a good protection tool, but some salespeople are already selling it. ) Choose an installment insurance, and the total annual premium for three people is about 65,438+0,000 yuan. The purpose is to ensure that your future life will not change because of bad events.

Secondly, 600 yuan can make a fixed investment every month, associate a fund company with a bank card, and do direct sales (some bank card funds have discounts). You can choose index funds for fixed investment, such as Jiashi CSI 300, Yifangda CSI 300 and Bosera CSI 300. The date of deduction is set to the day or the next day of your monthly salary.

This is 18000 yuan that can be invested in one year.

The capital of 65,438+10,000 yuan can be invested according to the pyramid and distributed according to 5:3:2.

1.5 million yuan can buy bank financing. Generally, the starting point of bank financing is 50,000 yuan, and the financial returns of Minsheng, CITIC and Xingye are relatively high, especially at the end of the year. However, bank financing needs to be held until maturity and cannot be redeemed halfway.

2, you can also buy it as a money fund, and I recommend it to you in cash. When buying a money fund, you'd better choose T+0 transaction, which can be realized immediately when you need money, such as Alipay's Yu 'ebao (actually buying a money fund in Tian Hong).

3. You can also do pledged repurchase (reverse repurchase) of corporate bonds in Shenzhen market. From 65,438 yuan+0,000 yuan, you need to open an account in a securities company and add the right to buy back.

30,000 yuan can buy bond funds, partial stock funds and so on. This piece is difficult to choose, and there are many varieties on the market. When choosing, it mainly depends on its investment direction, and the bond fund under Minsheng Canada can look at it. I prefer to buy physical gold (a typical miser), although it makes no sense to say that gold is falling deeper and deeper. But it is very practical to put a little gold reserve and gold jewelry in your own safe, and it is also very intimate to pass it on to future generations and buy some for your lover.

The remaining 20 thousand will buy some stocks. If you are not at ease, you can increase the proportion of other risky products and reduce this one to 1 1,000 or 5,000 yuan. Recently, the market has been around 2000 points, up 42% from 1400 points ten years ago. The current market is not good, and it will always be temporary. Most importantly, if your money is in the stock market, you will pay attention to market conditions, watch news broadcasts, care about state affairs, pay attention to investment and financial management, and cultivate investment mentality and ideas.

The above is my brief introduction, only for communication, experts do not spray.