First of all, your expected rate of return can be calculated directly. The monthly interest is 2,000 yuan and the annual interest is 24,000 yuan. After calculation, the annual interest rate is 4.8%.

This can be regarded as a reasonable rate of return, neither high nor low.

At present, there are several investment methods that can be achieved in China. Of course, the premise is that the principal is safe.

First, large-denomination certificates of deposit. Large-denomination certificates of deposit are bank deposits, not financial management. They guarantee principal and interest.

Even if the bank fails, it will be protected by the "Deposit Protection Ordinance", with a maximum compensation of 500,000, which is exactly the same as your principal.

At present, the overall 3-year yield of large domestic deposits is around 4%, but you can choose small and medium-sized banks or city commercial banks. Such banks need high interest rates to attract deposits, so the yield will be higher, generally around 4.8%.

Let me remind you that large certificates of deposit need to start at 200,000 yuan. If you have 500,000 yuan, you must deposit it in the same bank. In this way, the bank will give you a higher interest rate. At least you can cover 2.5 yuan.

Second, for treasury bonds + structured deposits, you can choose savings treasury bonds over the bank counter, which also guarantee principal and interest. However, the overall yield is currently around 4%, which cannot reach the expected 4.8%. Savings treasury bonds start at 50,000.

Therefore, it can be combined with structured deposits, which are also deposits and have a guaranteed floating rate of return. The overall rate of return is between 1.5-5.5%.

Structured deposits mean that one part is making deposits and earning fixed interest, and the other part is making financial derivatives to strive for high returns. The interest benefits are used to cover the principal of financial derivatives to ensure capital preservation, such as a 100 yuan or 90 yuan deposit.

If you use 10 yuan to make financial derivatives, the interest on the deposit of 90 yuan is 10 yuan (the total interest can be calculated over several years).

These are currently the only two capital-guaranteed financial products in China.

Finally, I want to say that the current domestic inflation is so high. The CPI in the first quarter has exceeded 5%, which means your expected income is 4.8%. Your assets have still shrunk by 0.2%, which means you have 500,000, leaving only 499,000.

Therefore, you must learn to manage money so that your assets can appreciate or at least preserve their value.

I suggest you do some stock fund financial management and choose the CSI 300 Index. These are among the best companies in the country. They can basically keep up with the development of the domestic economy and can maintain or even appreciate the value of assets. Of course, the time period must be extended.

There are two prerequisites for financial management of a 500,000-yuan family: ensuring the safety of the principal and stabilizing the interest at 2,000 yuan per month. This kind of investment and financial management is completely possible.

First, let’s do some calculations. With a principal of 500,000 yuan, there is a stable interest of 2,000 yuan every month. The total interest income in 12 months a year is 24,000 yuan. From this, the actual annual yield can be calculated as: 24,000/50

Ten thousand * 100% = 4.8%. As long as you invest in absolutely capital-guaranteed financial products, with an annual interest rate above 4.8%, you can achieve your goals.

Then we can use the elimination method. According to the current investment and financial management industry, there are four products that guarantee the safety of principal. Among them, Chinese bonds and bank deposits absolutely guarantee the safety of principal. In addition, monetary funds and principal-guaranteed financial products are also low-cost products.

Although the risk is not absolute, the security can reach 99.9%.

So we can learn from this that if you really want to ensure the absolute safety of your principal, the only choice is bank deposits. If the annual yield on government bonds, bank capital-guaranteed financial management, and monetary funds is less than 4.8%, it is impossible to achieve 500,000 funds.

There is an interest of 2,000 yuan per month. Only large deposits in bank deposits or smart deposits have an annual interest rate of more than 4.8%.

Recommendation 1: Smart Deposit Smart deposit is a magic tool for private banks to attract savings. Smart deposits have many advantages, such as high security, strong liquidity, and high interest rates. The biggest advantage is that they are highly liquid and can be deposited and withdrawn at any time, similar to currency.

Funds, so smart deposits have become the first choice for many families in financial management.

As shown above, this is a smart deposit launched by a private bank. This is a five-year smart deposit, which means that the annual interest rate on maturity can reach 6%. If you deposit 500,000 yuan in this smart deposit, the maturity interest rate will be calculated.

The interest income of 30,000 yuan is an average of 2,500 yuan per month, which is already more than your expected interest income.

Recommendation 2: Large-denomination certificates of deposit Bank large-denomination certificates of deposit are a magical tool for attracting savings from major commercial banks, and they are also one of the deposit businesses that are popular among many people.

Large-denomination certificates of deposit also have many advantages, such as high security, high interest rates, and strong liquidity. The biggest disadvantage is that it requires a starting price of 200,000 yuan. This is why many people are turned away by trying to obtain large-denomination certificates of deposit.

As shown in the picture above, this is the large deposit interest rate speculated by a bank. The five-year large deposit certificate interest rate is 5.3%. This deposit interest rate is relatively high.

If you have 500,000 yuan and deposit it all into a five-year large-denomination certificate of deposit in this bank, the annual interest income will be 26,500 yuan, and the average monthly interest income will be 2,208 yuan, which is also more than your expectation of only 2,000 yuan per month.

interest income.