This is a hypothetical question, that is, you have a house and a car. After the insurance configuration of this configuration is complete, if there is 654.38+0 million, how will you configure it? If I have 1 10,000 yuan, I will distribute the money in various ways.

1 400,000 high-risk investment

300,000 yuan will be used for the fixed investment of the fund and used as a small pension fund. I will make a fixed investment of 300,000 yuan, and I will invest 654.38+00,000 yuan every month to buy it in 20 months. Because I have no ability to predict the market, I can only invest this money in batches to reduce the risk. During this period, money will be put into money funds and P2P with different maturities according to their own arrangements. I will invest in the big V portfolio of low valuation funds and invest in low valuation funds. The remaining 5,000 yuan per month is used to cover the position of a single transaction when the market plummets. Fixed investment, single purchase and warehouse purchase of low-valued funds are the currently recognized fixed investment methods. Assuming that this part of the long-term investment can achieve an annualized rate of return of 10%, the annual wealth management income is about 30,000.

654.38+ 10,000 yuan is used for paper and silver grid operation, because I like to make short-term investments, and the money is purely used for personal entertainment. If you can make money, you should be rewarded as a little lucky, and the profit will be used to buy the little things you like. Mainly to exercise their practical operation ability, but also assume that they can reach the annualized rate of return of 10%, and the annual financial income is about 654.38+0 million.

2? Medium-risk investment: 200,000.

This part is basically P2P. At present, many P2P management specifications have been issued. I think this part of the future should be controllable. So if there is 1 10,000, I will take out 200,000 of them to invest in P2P, choose a bigger platform, and control the interest rate below 10%. Give 2,000 yuan a week to make a 52-week plan, about 654.38+ 10,000 yuan, and then give 4,000 yuan a month to make a 24-month plan and a 36-month plan, so that after one year of layout, the money will arrive every week, and I will be happy to think about it. If this part is annualized by 9%, then the annual wealth management income is about 1.8 million.

3? 400,000 yuan low-risk investment

National debt 300 thousand. Although the yield of national debt is low, it is safe! Therefore, it is still necessary to configure some, which can be regarded as a protective internet cafe for the family. You can also place an order with 12 and buy 25,000 yuan per month. If you like electronic government bonds, you can buy those that have not been issued in the current month. 4.5% annualized, then the wealth management income is 1.3 million.

Quickly redeem the monetary fund or bank net worth of 654.38+10,000 yuan for financial management, and use it for the living reserve fund expenditure. Plus a credit card, you can play a good life. 3% annualized, then the wealth management income is 3000.

All the financial gains add up to just over 70,000, and financial freedom cannot be achieved. Besides, I don't have that much principal. After YY, I will continue to move bricks and try to save the principal.