1. Preservation of assets:

a) Collective trust financing plan: Bank deposits have low income and cannot resist inflation, so you can choose more stable financial products to make up for it. Fixed-income product trust financing plan can be the first choice because of its low risk and high income, and it can give customers a relatively stable return on investment under the existing market risk system. Although the trust products do not promise to protect the capital, so far, the principal trust products have not repaid the principal and interest as scheduled. The specific allocation is to divide the funds into two 3 million yuan to allocate a one-year trust plan and a two-year trust plan respectively, and the expected annualized income is 9% and 1.5% respectively, which can basically preserve the value in the inflation era.

b) Capital preservation funds: At present, the global economic environment is not very optimistic. It is suggested that Mr. Liu allocate 1 million capital preservation funds. Even if the market continues to deteriorate, the principal can be 1% guaranteed, which will give investors a good return once the market presents opportunities.

c) Money fund: Money fund is specially invested in the risk-free money market, which has the characteristics of high security, high liquidity, stable income and "quasi-savings". It is suggested that Mr. Liu can allocate 1 million yuan to this kind of products. (The annualized income is expected to be 1.5%-3%)

According to the above configuration, Mr. Liu can get at least a stable income of 9% every year, and the configuration of fixed-income products is 6 million+1 million+1 million = 8 million, accounting for 75% of the assets, which is in line with Mr. Liu's steady investment style, and can make a fixed income, which is stronger than the quilt cover in the stock market, thus realizing the assets.

2. Value-added of assets:

a) Sunshine Private Equity Fund: Sunshine Private Equity Fund is the best choice for large investors to allocate assets. It is a fund that has been put on record by the regulatory authorities, the funds are managed by a third-party bank, and there are regular performance reports. Sunshine Private Equity Fund is standardized and transparent, because it can ensure the safety of private equity subscribers' funds by issuing through the trust company platform. Sunshine Private Equity pursues absolute returns and has a revenue sharing mechanism, which can motivate fund managers to the maximum extent, so its performance far exceeds that of Public Offering of Fund. With the diversification of innovative private equity funds, it has brought many surprises to the private equity industry and investors. It is suggested that Mr. Liu allocate 3 million yuan for Sunshine Private Equity Products, which can be selected by professional third-party financial institutions. Generally, the annual income can be steadily about 3% through the preferred private equity products. If he chooses innovative private equity products for stock index futures hedging, the income may be even more. After optimizing the allocation of the above fixed products, Mr. Liu can completely fight for high-yield floating Sunshine Private Equity Products.

b) Public Offering of Fund: As a public financial management tool, Public Offering of Fund is a good investment tool at present because it has the advantages of collective financial management and expert management, which can effectively save time and energy. Funds should be well allocated. By allocating fund products with different investment styles, investment risks can be effectively reduced and stable returns can be obtained. It is suggested that Mr. Liu allocate 1 million yuan. (The long-term investment yield of stock funds is 8%-2%, that of hybrid funds is 6%-15%, and that of bond funds is 4%-8%. )

3. Liquidity arrangement: Mr. Liu can deposit his annual income of 3 million yuan in the bank current account, and the capital requirements should be flexible. If he puts it in the current account, the monthly interest will be 1,232.87 yuan. According to the most common one-month short-term financial management of China Merchants Bank, the expected income is only 5%, and the one-month financial management income is 12,328.76 yuan. The income difference between ordinary demand deposits and ordinary wealth management products is 1 times. This 1-fold gap can basically meet the daily expenses of Mr. Liu's family for one month.

4. Prepare education fund for daughter: Mr. Liu's daughter is 8 years old and will arrange to study abroad in the future. It is suggested to allocate the bank's 1-year dividend insurance. The annual payment is 5, yuan, which will be paid in five years. The total return at the end of 1 years is close to 3.8 million according to the medium dividend, which can basically meet the needs of studying abroad. It is suggested that Mr. Liu be insured as the insured, and the funds will be used as the daughter's study abroad expenses after 1 years expire.