For ordinary people, the biggest sorrow is not that they have no money, but that they have some capital in their hands but don't know how to invest and manage their finances.

There are many ways to invest in financial management, mainly depending on the financial management method you choose. Steady investment methods include money funds, bank time deposits, large deposit certificates, and fixed fund investment. If an individual has 500 thousand funds in his hand, what is his monthly income?

1. If it is a money fund, the annualized rate of return is about 3%; if it is 500,000 yuan, the monthly income is about 1250 yuan. After one year, the income is about 1.5 million yuan.

2. Bank deposit certificate. Generally, 500,000 yuan can meet the initial deposit requirements of certificates of deposit. According to the deposit certificate interest rate of 4%, the monthly income is about 1, 666.67 yuan.

Of course, with so much money, diversified investment and financial management is also a good choice. For example, it is also a good choice to take out some funds for fixed investment. The key depends on whether an individual has a certain basic knowledge of financial management.

If you don't know anything about financial management, it's not reliable to just listen to other people's opinions. If you want to manage money, you'd better study more, read more books on financial management in your spare time, or participate in some online financial management training camps.