The interest rate of 20 19 three-year treasury bonds is 4%, and the annual interest rate of some three-year large deposits with 50,000 yuan in bank deposits is 4. 125%. The annual yield of cash management products based on five-year deposits of private banks can be close to 5%. No matter which one you choose, you can earn more than 6,000 yuan a year with 6.5438+0.5 million spare money. If you want to get better liquidity, 6.5438+0.5 million yuan can also be deposited separately in three times.
As for investment and financial management, it depends more on the individual's risk tolerance, that is, the proportion of principal loss that can be borne.
Real estate investment of 20 19 is completely worthless, and150,000 can only be used as a down payment in a small county. If you still have a mortgage, you might as well pay it directly, at least you can save a lot of interest.
Investment and entrepreneurship are risky, and 6.5438+0.5 million yuan may be spent in less than one year. If there are no reliable projects, or insufficient experience and resources, it is easy to hit Shui Piao.
Bonds, index funds, stocks, precious metals, insurance, private lending, foreign exchange, P2P and digital currency can be invested in many ways, but they are basically not guaranteed, and once invested, it is not easy to come up with them. When you are in a hurry to use money, you may need to cut meat, and the liquidity is very poor.
As for bank wealth management products, with the implementation of the new asset management regulations, there are fewer and fewer guaranteed wealth management products, and the yield is getting lower and lower. The average rate of return is even lower than the three-year large deposit of the bank. Some high-risk wealth management products do have higher yields, but the risks are not necessarily lower than P2P wealth management.
With the deepening of the stock market reform, the future bull market will surely come, but more and more stocks will be delisted. If you can take risks, you can take out 30% of the information of the capital bank and enter the stock market, that is, no more than 50,000 yuan. Diversified selection of a few high-quality stocks at a relatively low point and long-term holding still have a high probability of outperforming inflation.
It is not easy for most people to make money, and they can't afford the loss of principal. So it's better to be steady and choose a bank with a higher deposit interest rate and continue to make money.