Bank financing: you can put some money in the bank for time deposit. Although the interest rate of time deposit is relatively low, it is relatively safe. Of course, you can also choose to use this money to buy bank wealth management products.

2.

Money Fund: You can buy some money to enter the money fund, which is the lowest risk fund category. At present, the annualized rate of return of most money funds is around 2%-3%.

3.

Stocks and equity funds: You can also use some money to buy stocks and equity funds, but it should be noted that stocks and equity funds are relatively risky, so it is best to invest in stocks and equity funds. ...

4.

Internet regular financial management: There are many regular financial management products in Alipay, WeChat and other apps, and the expected annualized rate of return ranges from 4-5%.

People with 200,000 cash in hand should allocate funds in a decentralized way, do not put eggs in one basket, and follow the three elements of financial management. If this arrangement is made, it will be a reasonable and scientific plan. Have you learned?