In the process of investment, the risk of investment is often directly proportional to the return on investment, which means that there is no investment method with the greatest return and very safe in the world. If you are very good at investing, you can manage your assets through asset allocation. If you are an investor, or you don't have enough time to invest, you need to put more assets on sound financial products to further control your investment risks.

You can try to configure a certain proportion of bank wealth management products.

Some people may think that the annualized return on investment of bank wealth management products is too low, but in fact, if you don't have good investment channels, most bank wealth management products have good return on investment, which can further help you bear investment risks. Investment bank wealth management products can get an annualized income of about 5%, which has exceeded many wealth management products on the market.

You can also allocate a certain proportion of fund products.

If you pursue investment security, you can spend a lot of money on money funds in fund products. If you are a person who pays more attention to the return on investment, you can use appropriate positions to invest in stock fund products. Stock fund products I recommend index fund products and hybrid fund products, which can bring you an annualized return on investment of more than 10%, but the investment risk will be higher.

You need to further control your asset allocation ratio.

If you are a person with weak risk tolerance, you can invest at least 50% of your assets in sound financial products. If you are a person who pays more attention to the return on investment, you also need to spend at least 30% of your assets on defensive investment products. Three or four million is already a big concept, and you need to participate in the investment on the premise of ensuring the safety of the principal.