Where are the basin friends going to play during the May Day holiday?

My intern Dehua said that he would go to Xi and visit Daming Palace and Wild Goose Pagoda.

Alas, young people are really energetic. Unlike "old people" like me, they are going to stay at home and have a good rest.

Speaking of Dehua, a child, he asked me a few days ago, Shero, with 50,000 yuan in his hand, how can he manage his money to get the maximum benefit?

I asked him where he got this 50,000 yuan, and he said that it was a little bit of part-time savings.

For Dehua Point 100 likes.

On the other hand, with 50,000 yuan in hand, how to manage money to get the maximum benefit?

According to what I told Dehua, I compiled an article, hoping it will help you, too.

Many young people are impetuous and want the highest income before they step into the door of financial management (Dehua is not like this). You should know that one point of income corresponds to one point of risk, and the maximization of income is the maximization of risk.

For example, gambling, stock trading and currency speculation can make people get rich quickly in a short time, but it may also make you bankrupt overnight.

The purpose of financial management is to make wealth grow steadily, beat inflation, and keep the money in hand from depreciating, instead of turning you from a poor man into a rich man.

Therefore, I suggest that you learn the basics of financial management in a down-to-earth manner and put the safety of principal first.

Specifically, how to manage 50,000 yuan?

1. From the threshold, 50,000 yuan has reached the purchase threshold of most wealth management products.

The starting point for purchasing goods-based babies is 1 or 1 yuan, insurance financing 1 million yuan, fund 1 million yuan, bank financing 50,000 yuan and P2P financing 1 million yuan. Only trusts and private placements can't buy products with a starting point of more than one million yuan.

2. For beginners in financial management, Mimi suggests that everyone start financial management from the money fund baby. Its advantages are low threshold, high security and strong liquidity, and it can be taken at any time, so it is the best substitute for deposits.

Recommend several baby wealth management products: Yu 'ebao, WeChat Wealth Management Balance+,Weizhong Bank Current+,Jingdong Small Treasury, China Merchants Bank Super Win, China Construction Bank Fast Earn, ICBC Cash Fast, Jiangsu Bank Happy Win and so on.

At present, the average rate of return on baby financial management is around 4%, and the rate of return of 50,000 yuan a year is around 2,000 yuan.

3. If you have already bought a cargo-based baby and want to try more financial products with higher security and get higher income, you can try the following products: bank financial management, insurance financial management, personal pension security financial products, brokerage financial management, bill financial management, etc.

These products are similar and have some common characteristics: most of them are closed, with low liquidity, and the term is mostly within 1 year. Most of the risks are medium and low, and the possibility of loss is not great. At present, the average rate of return is between 4% and 6%, and the annual income of 50,000 yuan is between 2,000 and 3,000 yuan.

4. If you think that the yield of the above wealth management products is too low and you can take certain risks, Mimi suggests trying P2P wealth management.

Among the current fixed-income wealth management products, the yield advantage of P2P wealth management products is very obvious. At present, the industry average rate of return is between 9%- 10%, and the annual income of 50,000 yuan can reach 5,000 yuan.

Many people may feel very risky when they hear P2P, mainly because of the barbaric growth of the industry in recent years, which has led to a large number of platforms running or illegally raising funds. However, in the past two years, industry supervision has been very strict, and a large number of platforms have opted out. Now the security of some head platforms in the industry is still relatively high.

5. If you can insist on long-term investment, you can consider the fixed investment of the fund. If you can't choose a base, the easiest way is to choose an index fund and make a fixed investment once a month, and set the fixed investment time on the second day of payday.

The risk of index funds is not small, but it can take time to resist the risk, persist for more than 5 years, and set a profit point, such as setting a 50% return standard, that is, annualized rate of return 10%. If you can persist, such a goal is actually not difficult to achieve.

Finally Mimi made two suggestions:

First, with the continuous accumulation of funds, you should learn to do asset allocation, that is, put your eggs in different baskets, but not too scattered. For example, if you have to put a * * * 50,000 yuan in the 10 financial channel, it is a bit too scattered;

Second, the allocation ratio of high-risk assets should be controlled within a reasonable range, preferably not exceeding 30%.

So much for today's article.

I have grass in my heart and don't want to go to work. I wish you all a happy holiday in advance ~