3 million cash is a lot of money in the eyes of banks. The bank will give a certain preferential interest rate to keep the money. However, not too high. For example, large state-owned banks can offer interest rates of 4.5%~4.8%, which is the limit. Local small and medium-sized banks or private banks may offer interest rates of 5%~6%.
Of course, the upper limit of the deposit interest rate of bank deposit products will generally not exceed the benchmark interest rate by 55%, and the highest can reach 4.2625%.
In order to achieve such a rate of return, the deposit period is very high, generally taking 3 to 5 years.
2. Investment banking wealth management products.
3 million yuan investment in wealth management, annualized rate of return can reach 5%~6%, such wealth management products generally belong to structured deposits, which can be realized to ensure floating principal income.
3 million are qualified investors who can buy private wealth management products with higher yields and greater risks. If we have more assets, we can actually enjoy the private banking services of banks. You can buy better wealth management products with a yield of 7%~8%.
3. buy a fund.
Funds are set up for a certain purpose and have a certain amount of funds, including open-end funds and closed-end funds. According to the investment content, it can be divided into stock funds, monetary funds, bond funds and hybrid funds. At present, the yield of money funds is generally 2% ~ 3%; The yield of bond funds is generally 5% ~10%; The yield of stock funds fluctuates greatly, reaching 20% when it is high and losing 20% when it is low.
4. Trust or other products.
You can invest in trust products of some commercial companies, such as some real estate trusts, and the current rate of return can reach 10%~ 15%. The purchase amount of a general trust can exceed 6,543,800 yuan, and ordinary people can't invest, but there are 3 million cash to invest. The risk is relatively high, but the benefits are considerable.
Or buy commercial acceptance bills of enterprises. The yield can also reach 15% or even 20%, but the risk is also high. After all, the rate of return is relative to the risk.
Reasonable collocation of steady investment and financial management
Maybe everyone doesn't want their property to be too risky, but they want to have higher returns. At present, 1 year is generally 3%~4%, and it is 5%~6% for more than three years. But if it can be reasonably matched, it may have higher returns.
If this part of the money is only part of your own property, you can make use of the investment needs of this part of the property, such as trying to earn higher returns, or maintaining steady growth, or ensuring the safety of funds.
If you don't use it for a long time, you can adopt this suggestion and invest in stock funds at a rate of 50 ~ 65438+10 thousand yuan per month. In the end, 3 million was fully invested. At the same time, uninvested funds can be saved through bank wealth management products or deposits, earning 5%~6% income. It can almost reach the annual rate of return of 10%. If you experience a bull market, it is no problem to double the funds.