Investment and financial management need to reserve a personal reserve fund for 3-6 months first. In addition, it is suggested that this part of the funds can be deposited in short term (3 months annual interest rate of 2.6%; 6-month annual interest rate of 2.8%) or money fund (annualized rate of return of about 4%), or even focus on short-term fixed-income products with relatively high returns. Choosing these financial management methods to reserve funds is highly liquid and can be withdrawn at any time.

2. Make reasonable consumption in life.

To achieve reasonable consumption in life, Feng Rongjun believes that first of all, we must "match" consumption expenditure and income; Secondly, within their own economic scope, on the premise of not affecting the quality of personal life, we should make rational consumption, avoid blindly following the crowd and comparing with others, and don't waste money because we are not calm for a while.

3. Appropriately increase investment methods.

It's a pity that 300 thousand has been kept in the bank. 1 2% annual interest rate is a bit low. Feng Rongjun suggested that 300,000 yuan can be equipped with some low-risk wealth management products, such as national debt, with an annual interest rate of around 5%; The annualized rate of return of bank wealth management products with guaranteed income is about 5%, and the annualized rate of return of some fixed-income products is generally above 10%. These investment methods can basically ensure the safety of principal. If you want to pursue higher returns, you can take out some funds for radical financial management, such as stocks and foreign exchange.