How to manage 1 10,000 deposits?
Considering the profitability, flexibility and security, investors can divide the cash of 654.38+0000 into three equal parts to invest in wealth management products with good profitability, flexibility and stability.
1, profitability
Stocks and gold have high returns, but high risks. Investors can consider putting 300,000 cash into the stock and gold markets to pursue higher returns. The income of the fund is between bank deposits and stocks, but the risk is less than stocks. Investors can consider using 654.38 million yuan in cash to make a fixed investment and exchange time for income.
2. Flexibility
Investors can put part of their funds into some flexible wealth management products, which can not only obtain certain income, but also be used to meet daily living expenses, or be used as emergency money, such as depositing 300,000 yuan of 654.38+00,000 yuan into the bank or putting it into Alipay's balance treasure.
3. Stability
Investors will invest the remaining money in some financial products with relatively stable returns and high security, such as large deposits in investment banks or national debt. The income of this kind of products is relatively stable, but it has a certain closed period and its flexibility is relatively low.
With a deposit of 6,543,800 yuan, can you live on interest?
If you choose a large deposit certificate, the interest rate is also higher than that of an ordinary time deposit with the same term. Let's take a bank's 3-year deposit certificate interest rate of about 4% as an example. Roughly, the annual interest of 1 10,000 is 40,000. Of course, you can't take it out until it expires. According to the data, in 20 19, Shanghai's per capita consumption expenditure was 45,605 yuan, and a second-tier provincial capital city like Changsha also needed 36 158 yuan, so the annual interest of 40,000 yuan was still insufficient.
In addition, inflation will also lead to the shrinkage of interest income. I wonder if you have noticed that the wage income has increased by 10 times compared with 20 years ago, and the price increase is higher than the wage increase. Rising prices also mean a decline in purchasing power, and as a result, the interest income of banks 1 10,000 yuan is becoming more and more unbearable.
Therefore, it will be very hard to live on the interest income of 6,543,800 yuan deposited in the bank, and everyone still has to find a job.
What is the level of a family's deposit of 6.5438+0 million?
Those households with deposits of 6.5438+0 million have exceeded 99.5% in China, which is almost at the top level in China.
In fact, everyone has their own views and investment methods on financial management. These methods are suitable for different risk preferences and will be different for different age groups. I hope the above introduction can help everyone.