If there is 5 million yuan, is the investment trust product safe? This question should start with whether your family assets are properly allocated.

If 5 million is all idle funds of the family, it is not recommended to invest in the trust in order to pursue a high annual return of 10%. After all, the trust is aimed at high-net-worth people, and the risk is relatively high. It is suggested that you diversify your funds to avoid the loss of funds due to problems in trust investment projects.

Of course, the product safety of regular large trust companies is still relatively high, and the project party has a mortgage in case it cannot repay in time. But it does not rule out the occurrence of trust storms in recent years. The best policy for investors is to choose a large formal trust company, with annualized income within 7%- 10%, and the credibility is still very high. If the return on investment exceeds 10%, it is better to buy stocks yourself. In addition, it is suggested that the investment trust should not exceed 2 million.

The rest of the funds can be used to buy some net worth products of formal fund companies. In years with high returns, you can also get 8%- 10%. You can buy it directly on your mobile phone, which is very convenient. The other part of the funds can be directly purchased from the low-risk wealth management of big banks, and the income is about 4% per year.

In addition, there is an opportunity to invest in gold every year, that is, to buy it after the gold plummeted. For example, in April this year, the income is now considerable.

Financial management is to follow the trend, see the big environment and trends before making a decision. Financial management can't be quick and quick, and you can't take risks in pursuit of high returns. It's best to diversify your investment and don't concentrate your money on making a financial product. In the current economic environment, financial management should still be sound.