1. Time deposit and financial management

You don't need to use it for five years, so it's easiest to deposit a five-year time deposit directly, and the interest rate is not low. Many local banks' current five-year deposit interest rates can reach more than 5%, and the highest can reach 5.5%, so depositing a five-year time deposit is the simplest financial management plan.

if you want to get a higher income, you can choose bank wealth management products, most of which are within one year, and the highest rate of return is 5.5%. however, because the interest is settled once a year, the income can be used as the principal again to invest in the next period. therefore, if the interest rate is equal and the term is five years, the income of bank wealth management products will be higher.

6. Trust

Many trust products are actually financed by borrowing. Due to the strict restrictions on the financing conditions of real estate enterprises by the state, many real estate companies package their financing needs into trust products and entrust them to banks for issuance. Trust is risky, because it is basically a real estate development loan, but thanks to the overall upward trend of China's real estate market, it has always been basically paid on time. In addition, with the guarantor and collateral, the overall risk is more controllable. According to the scale of financing, the starting point of trust is divided into 1 million yuan, 3 million yuan and 5 million yuan, and the lowest rate of return is generally above 6.5%. 1 million yuan is just enough for the minimum starting requirement of trust.

14. Fixed fund investment

Fixed fund investment refers to investing a fixed amount (such as 5, yuan) in a designated open-end fund at a fixed time (such as the 18th of each month), which is similar to the bank's fixed deposit and withdrawal method.

Regular fixed fund investment has the characteristics of similar long-term savings, which can make many a mickle, spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the code on dips and decreasing the code on dips, and it can always get a lower average cost no matter how the market price changes. Because the regular quota is to enter the market in batches, when the stock market is consolidating or falling, because the regular quota is to be undertaken in batches, it can be bought more and cheaper, and the return on investment after the stock market rebounds is better than a single investment. For the China stock market, it should be a volatile upward trend in the long run, so the regular quota is very suitable for long-term investment and financial planning.

the fixed investment of the fund is held for a period of five years, and it should not be difficult for the overall income to be more than 1%.