654.38+00,000 yuan is used to buy a house.
If it was in the past, I believe that everyone would choose 1 10,000 to buy a house without thinking. But now, the dividend of the house is not as obvious as before. The most valuable way to choose to buy a house now is to buy a house in the central area of a first-and second-tier city. 1 10,000, first-tier cities barely make a down payment, and second-tier cities are equivalent to the full payment of a small apartment (the situation in the property market varies from place to place, here is just an example, not absolutely correct).
As for third-and fourth-tier cities, you need to be cautious if you want to buy a house and invest. Small cities are less attractive in terms of population inflow and economic development. If you just need it, you can consider it. After all, houses are for living.
Generally speaking, 6,543,800 yuan is still used to buy a house. If you must invest in real estate, the risk of choosing a house in the center of a first-and second-tier city is relatively small, and you have a certain ability to preserve value.
1 ten thousand yuan is used for investment and wealth management.
If you don't buy a house, you can also consider investing in financial management. If you invest in wealth management, it is relatively easy to make money as long as you are not keen on stock trading and do not invest in various high-interest wild wealth management products. Specific varieties, first, trust can be considered, but it costs 1 10,000 yuan to buy a trust, and it is always unsafe to put eggs in one basket.
Other wealth management products can be distributed. For example, some of the money you need at any time can be deposited in money funds or innovative deposit products (such as Fuminbao and Zhongbangbao); If you want to obtain stable expected returns and preserve assets, you can buy bank wealth management or various regular wealth management on WeChat and Alipay. Those who are good at P2P investment can consider investing a small amount of money in the head platform, such as those who have been listed or have performance insurance.
If you want to get higher expected returns, you can only invest in the stock market. Take out a certain proportion of funds, choose index funds with low valuation and make long-term fixed investment for at least three to five years. From the point of view of the stock market, it is more likely to get the average annualized income 10% after three to five years of fixed investment.
Summary: The above are the advantages and disadvantages of buying a house and buying financial management. You can make a choice according to your financial ability and personal situation.