If you have about 400,000 savings in hand and don't plan to buy a house, then we can be our own Qian Shengqian through financial management. Of course, there are many ways to manage money now, depending on your personal choice. For example, we can invest in some stocks and some funds, or go directly to the bank to buy some wealth management products.

First of all, you can talk about stocks. In fact, I personally don't recommend you to buy stocks, especially if you have no previous experience in this field, it is easy to roll over here. If you want to buy stocks, you have to learn relevant knowledge by yourself, and you have to learn how to analyze the stock market. However, one thing you should be clear about is that the stock market has no definite profit, so the risk is relatively high.

Let's talk about money. There are several kinds of funds in the market, such as debt-based funds, equity funds and hybrid funds. The risks of each fund are different. If you are less able to take risks, you can buy a debt base. But if you want to get high returns, you can consider equity funds or hybrid funds, but the risks of these two types of funds are also slightly higher.

Finally, we can also try to go to the bank to buy some wealth management products. The risks of these wealth management products are not particularly great, but as long as they are wealth management products, there will be some risks to a certain extent, but when we do wealth management, the risks and benefits are directly proportional, so it depends on how you choose. When doing financial management, don't put your eggs in one basket, that is to say, when buying financial products, the more products we can buy, the better, so that even if we lose one or two, we won't lose too much as a whole.