First of all, from the perspective of configuration, choosing financial management is far stronger than buying a house. Under the background of overdraft of house prices, aging population and worsening economic expectations, there are great risks in investing in real estate. Similarly, in "super-first-tier cities", it is certainly impossible for ordinary people to buy a property with appreciation potential with 3 million cash, while real estate in second-,third-and fourth-tier cities has more serious long-term negative effects. Compared with investing in real estate, wealth management products are more flexible, more liquid and "more friendly" to those who hold 3 million cash. After all, investors can spread the assets of 3 million yuan into "different investment baskets" to avoid the risks of the big environment.
Secondly, it is best for ordinary people to choose large financial institutions for financial management. Large financial institutions mainly refer to six state-owned banks, and a few joint-stock banks with relatively stable styles, such as China Merchants Bank, also belong to the category of large financial institutions. These institutions issue a wide range of wealth management products, many of which are "low-risk" wealth management products. Compared with small banks, these financial institutions are less likely to "explode". For people with low-risk preference, the low-risk wealth management products issued by these large financial institutions are the best choice for them to survive the economic downturn.
Thirdly, if ordinary people want to maximize the income from financial investment, they must learn to "buy and sell at the right time". The knowledge of timing trading is not only limited to the scope of securities investment, but also exists in the process of financial asset allocation. When the economic environment goes down and the stock market lacks opportunities, ordinary people can buy low-risk wealth management products from some big banks. Even if the income of these products is not high, there is basically no risk of principal loss. When the economy recovers and the stock market may rebound, ordinary people can set aside some wealth management funds and invest in equity assets such as funds and stocks to increase wealth management income.
To sum up, in the domestic environment, financial management is a better choice than investing in real estate for most ordinary people of 3 million. In order to achieve "maximum benefits" in the process of financial management, we must learn to seek advantages and avoid disadvantages, assess the situation, make full use of various products of financial institutions, and create a "portfolio that can be attacked and defended" for ourselves.