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I have 5 million. How should I manage my money?
The figures you gave are very conceptual. Let me help you analyze them one by one:

1, now we still have 5 million funds.

So, we need to separate:

First of all: if this part of the funds is used as reserve funds,

First: 2.2 million demand savings deposit+bank's capital preservation and interest protection.

Second: 1 10,000 linked insurance.

Third: 1 10,000 trusts, funds and P2P online loan financing.

Fourth: 800,000 venture capital: spot and precious metal trading.

Secondly: this part of the funds is all your funds.

First: 2.8 million time demand deposits.

Second: 1 10,000 bank guarantees the principal and interest.

Third: 800,000 treasury bonds or long-term stocks.

Fourth: 400,000 venture capital.

3. If it is a one-time investment in the physical industry,

First: Please deduct 60% of the additional risk fund first.

Second: The remaining 40% is your upfront fixed and operating costs.

Then for the industry with a total investment of 5 million yuan, it is necessary to strictly consider and combine the basic information of the current industry.

You can find a professional financial consultant to sign a contract with you and help you deal with it.