Judging from Mr. Wang's past investment experience and style, his risk tolerance should be below the medium level. [Financial Advice] In view of Mr. Wang's family economic situation and risk assessment results, it is suggested that Mr. Wang conduct financial management through commercial banks. On the one hand, the financial products and after-sales services of commercial banks are relatively mature, and both risk monitoring and investment operation are relatively perfect; On the other hand, commercial banks, as financial managers, provide one-stop financial services for investors, which is convenient for investors to operate and concise. Mr. Wang Can is considering investing in 2 million deposit portfolio, 25% time deposit, 65,438+00% fixed investment in gold, 25% high-yield non-guaranteed wealth management products and 40% guaranteed wealth management products. Time deposit has zero risk, which ensures the level of household savings. Fixed investment in gold is a stable investment method with low risk and simple operation. Long-term persistence can obtain the average income of the market and play a role in maintaining and increasing value. Recently, the price of the gold market fluctuated at a low level, suggesting that Mr. Wang buy it. In addition, Mr. Wang Can also invested 500,000 yuan to purchase internal and external high-rated non-guaranteed wealth management products with credit enhancement marks. Judging from the recent rate of return, the expected annualized rate of return of 1 month to 3 months is 4 .2% to 4.8%, 4.6% to 5.2% for 3 months to 6 months, and generally above 5.0% for more than 6 months. Mr. Wang Can chooses the appropriate term according to the liquidity demand of funds. Financial products with capital preservation and floating income ensure the safety of principal, and Mr. Wang Can mainly invests in such financial products. For the daily income funds, it is suggested that Mr. Wang invest his spare money in the money fund after deducting the daily living expenses and emergency reserve fund. Money funds can be freely purchased and redeemed, with strong liquidity and low risk. In terms of commercial insurance, Mr. Wang is advised to buy investment insurance products. Combining the basic guarantee function of insurance with the function of capital appreciation, the insurance premium paid by it consists of two parts: first, risk guarantee, when an insurance accident agreed in the contract occurs, the insurance company pays the insurance premium according to the pre-agreed standard; The other part is investment income, which determines the income level according to the investment situation of insurance companies. Tips: Each family can choose different financial management schemes according to their own conditions. In a high-income family like Mr. Wang, children and wives can buy an insurance policy to invest. This not only reduces the economic pressure, but also ensures the safety of family members.