First, take out 10%, that is, 20,000 yuan, and put it in the required product. This part of the money is used to buy demand-oriented products with strong liquidity in case of emergency. For example, Yu 'ebao, Monetary Fund, and many banks and Internet finance all have similar demand products, which can be accessed at any time, flexible and convenient, and the interest rate is higher than the bank's regular interest rate. If it is not expected to be used in a short time, you can also buy some short-term wealth management products for 7 days, 14 days and 1 month. Although the extra money is not much at a time, it will be a lot of income in the long run.
Second, 50%, that is, 654.38+ million, was used for long-term low-risk investment, which was the bulk of Wan Li in the 20th century. You can choose stable and long-term products, such as certificates of deposit, medium and long-term wealth management products, national debt and so on. Certificate of deposit is a deposit product. There is no risk unless the bank goes bankrupt. Choose 6 months, 1 year, 2 years, 3 years or 5 years according to your own needs, and the interest rate will rise by about 40% in the same period. Wealth management products are divided into five risk levels according to different investments. If you are afraid of the loss of principal, it is recommended to choose the risk below R3. Six months to one year is not a big risk, and generally can achieve the expected rate of return. Now it is mostly between 4% and 5%.
National debt is national credit and basically risk-free. Many elderly people like to buy government bonds best, and it is convenient to buy them now. E-government bonds can be purchased directly through e-banking, and returned with interest at maturity, and the income is also considerable. The annualized interest rate of three-year treasury bonds is about 3.8%, and it will be about 4. 17% after five years.
Third, 20%, or 20,000 yuan, is mainly used to invest in medium-risk products. Since it is a medium risk, you can choose bond funds and hybrid funds. Bond funds mainly invest in government bonds, financial bonds and corporate bonds, while hybrid funds mix stocks and bonds. Of course, I recommend that the fund be fixed investment, which is suitable for long-term stable holding. We should choose several funds of different types and industries to share the risks equally. If you make a fixed investment, index funds and gold can be considered. Long-term holding may experience ups and downs, but don't worry, in the long run, the income of fixed investment is very stable.
Fourth, the last 20% or 20,000 yuan can be considered to invest in high-risk products such as stocks, stock funds and gold. This requires investors to have certain professional skills or investment experience. If they invest in Xiaobai, they should be more cautious. Use 20,000 yuan to strive for high returns and achieve rapid asset growth.
To sum up, the above are 200,000 personal investment suggestions. You can adjust the proportion of each sector according to your actual needs and risk preferences, and rationally match products to maximize assets under the premise of stability.