1, it is not difficult to seek stable investment and wealth management income. Ordinary families can choose to buy government bonds. Buying long-term treasury bonds not only has high yield, but also has zero risk. I believe I will get the principal and interest. Invest 300,000 yuan of treasury bonds in three-year treasury bonds, with an annualized rate of return of 4% and an annual interest income of 1.2 million yuan. This income is quite stable, with national credit guarantee.
2. If your 300,000 yuan can't be idle for a long time, you can invest part of it in government bonds and part in money funds. Monetary funds can be withdrawn at any time without affecting interest income. At present, the annualized rate of return of the Monetary Fund is around 2.7%. If you put 300,000 yuan into the money fund, you can earn 8 100 yuan a year. Average daily income is above 20 yuan. The income of the money fund is also very stable, and the risk is close to zero.
If your 300,000 yuan can be used for ten, twenty or even thirty years, then you can invest in index funds. The annualized rate of return of index funds is 10%, which is the highest among the stable returns that can be obtained by wealth management investment. If you can hold an index fund for 30 years, you may earn more than 5 million.
4. Banks have some low-risk and high-yield wealth management products. In fact, securities companies also have some wealth management products, with higher returns and lower risks than banks. In fact, everyone may not be very clear. What is certain is that the wealth management income of securities companies is higher than that of banks. Especially in the case of similar risks, it is recommended to choose the wealth management products of securities companies with high returns.
1, financial management is a Chinese character, pinyin is LǐCáI, and English is finance, which refers to the management of finance (property and debt) in order to preserve and increase the value of finance.
2. Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation, which is closely related to financial management.
3. "Financial management" is often used with "investment and financial management" because "investment" is included in "financial management" and "financial management" is included in "investment". The so-called financial management is not only investment financial management, but also being invested is a kind of financial management. If you don't know how to invest, you don't know how to manage money better.
The word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has become more and more popular. Personal finance (658) can be roughly divided into personal assets and personal liabilities. * * * Funds, stocks, bonds, deposits, life insurance and gold are personal assets; Personal housing mortgage loan and personal consumption credit belong to the category of personal liabilities.