If you have 1 million yuan, how can you invest and manage money? Many people have dreamed of getting rich overnight, and want to get rich overnight. Xiaobian once joked with colleagues around him that if you have 1 million yuan, how to invest and manage money, everyone has expressed their plans. Xiaobian summed up everyone's thoughts, and everyone's opinions are generally like this. Let's take a look at it with Sanyibao Xiaobian.
(1) All of them are used for savings deposits: the income of time deposits is really low, and it will depreciate one day after being put in the bank (the benchmark one-year deposit interest rate is far lower than the CPI increase). This scheme is suitable for investors who are unwilling to take risks.
(2) All of them are used to buy bonds: the yield of bonds is actually not high, and they are hedging tools. It is good to have some. This scheme is suitable for investors with low risk tolerance.
(3) All of them are used to buy stocks: stocks can get high returns, and they are also one of the indispensable financial management tools in profitable products. However, generally speaking, there are only four kinds of people who can make money in the stock market: institutional investors, professional traders, senior investors for more than three years, and people who learn to use the power of others. If you can't do the first three kinds of people who make money, you might as well do the fourth kind, and learn to use the power of others, for example, by buying stock funds. (Choosing a fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard, etc.). Fund performance is ranked online).
This scheme is suitable for investors with high risk tolerance
(4) Portfolio:: 1% for savings deposits; 1% is used to buy insurance; 2% is used to buy bonds; 6% is used to buy stocks. At present, the overall valuation of the stock market is low, so stock investment accounts for a relatively high proportion. If the market valuation is on the high side, the investment proportion of this investment product can be reduced, and the proportion of other investment products can be increased accordingly.) First of all, for the preparation of cash flow, according to the advice of experts, it is generally necessary to save 3-6 months of total living expenses to cope with sudden accidents, diseases, or temporary unemployment, which leads to no source of income. Secondly, the guarantee of insurance. Insurance plays a very important role in financial management. Even if you earn 51 million yuan, without the guarantee of insurance, you may return to before liberation overnight. Therefore, it is necessary to have certain protection. It is suggested to start with protective insurance, such as accident insurance and health insurance. Stock can obtain high returns, and it is also one of the indispensable financial management tools in profitable products. )
After reading the article on how to invest and manage money if you have 1 million yuan, what do you think now? No matter what, you should choose the financial management method that suits you. Sanyibao (www.sanyibao.com) website has a lot of financial management knowledge, so you can pay more attention to the investment and financial management section.