7% is an appropriate interest rate, and it seems that the subject has carefully weighed it.

In my opinion, high income and high risk, low risk and low income, so we should choose the right financial management method. Generally, try to choose a financial management method with a risk-free interest rate of 2~4 times. (At present, the risk-free interest rate is about 3.6%, which is the income of national debt and monetary fund. )

The difficulty lies in liquidity.

However, in the description of the topic, short-term financial management is needed, which is difficult because of its high liquidity.

Because high liquidity is also an important advantage of financial management, this advantage is bound to pay interest rates or bear risks.

P2P, for example, has benefits, but poor liquidity and moderate risk.

Another example is the equity fund, which has good liquidity and the long-term average income can reach 14%, but the risk is much greater and the principal may be lost.

So my suggestion is to make a combination to ensure liquidity and reduce the rate of return.

combine

At the same time, do stock funds, bond funds, a small amount of P2P, bank financing, and a small amount of money funds.

The expected rates of return are close to 12%, 6%, 9%, 4.5% and 3.5% respectively.

If the principal is 654.38+00,000 yuan, then the financial investment is 30w, 25w, 15w, 20w and 10w respectively.

The annualized income after such integration is about 7.68%.

1, equity fund

If you have the conditions for stock trading, you can consider buying index ETFs in the stock market, such as 300 index and small and medium-sized board, and get in and out appropriately. If you don't want to go to so much trouble, buy an index fund of a fund company.

Now the stock market is at a low point, and there is a risk of entering the market to lose money, but there is not much room for decline.

2. Bond funds

The rise and fall of bond funds is relatively small, but it is hard to say whether the debt base is a good time now. Generally, interest rates will be cut, and the debt base will rise better.

If you are more radical, you can consider a convertible bond fund.

The advantage of choosing a fund is better liquidity.

3、P2P

Choose a well-known platform at present, and the interest rate is about 10%. However, the P2P interest rate may go down, so it is only calculated at 9%.

4. Bank financing

At present, the level of bank financing is less than 5%, which is too high to determine the rate of return, so it is calculated at 4.5%. To choose about 4.5% wealth management products, you only need to find them on more reliable platforms such as big banks or Jingdong Finance.

5. Monetary Fund

Much the same, because the money fund has good liquidity, it can meet the main body's mobilization of funds, so it reserves a part.

Hello, friends! This friend has financial experience. He buys one-year regular income of 5.3%, and short-term demand of products is about 4% ... At present, he has12 million funds, but he has certain liquidity requirements. The goal is to fight 7% inflation every year! To be clear: 7% annualized expectation of this amount of funds is realistic and feasible! Previously did not reach the ideal level, mainly products and channels as well as the amount of funds, overall planning, not matching …

As the saying goes, "Kill the pig and kill the donkey, each has its own method ..."12 million annual income of 5.3%, which is really low ... Different funds should choose different products and channels for optimal allocation:

First of all, the overall allocation: suppose there are 2 million yuan, 1, 1 10,000 yuan a year or so, and get relatively stable income! 2.5 million yuan of current wealth management is used for temporary emergency, and 3.5 million yuan is used to buy a new type of smart deposit with high security, or a large deposit certificate with monthly and quarterly interest payment, which can not only obtain safe high interest rate, but also have liquidity. The overall combination is safe and stable …

Guess the result of this combination:

1, 1 ten thousand yuan, buy trust or private banking business for about one year, private investment, etc! 1 Just enough, the expected return of about 7% is acceptable for large funds, and its risk is r2~r3, that is, low risk or medium-low risk! Take trust as an example, the annualized expectation is 9~ 1 1%!

250,000 yuan is used for securities ultra-short-term and current wealth management! The time period is one day to three months, and the expected return is about 3.5-4.5%! Low risk!

350,000 yuan is used for smart deposits or five-year bills! Smart deposit, the current income has decreased by about 3.5~%4%, five-year certificate of deposit, 500 thousand, and the market is currently 5~%5.5%! Moreover, relying on documents and monthly, quarterly and annual interest-bearing products, the current interest rate of 0.35 is exempted from early withdrawal, so you can be carefree and the principal and interest are stable!

Comprehensive analysis, at present, excellent trust and private placement, private bank exclusive product business, the expected income is 9%- 10% per year, in order to have such products! Now, if you compare it with the other two capital gains, it is about 7%! Basically achieve the goal, while maintaining good liquidity! Risk level, also under control, within the low! And they are all regular big units and regular products! Honest and reliable! Investment and financial management, choose channels and products according to different amounts of funds, risk preferences and liquidity requirements!

The above schemes are for friends' reference, or they can be adjusted appropriately and combined flexibly to better meet the target!

Ask any friend to chip in 3 million to buy a trust. CITIC 3 million Trust is closed for one year 7. 15%.

I'll tell you a very simple protection method. There is an app called Whale Wallet, which is operated by AVIC (a state-owned military enterprise). The annualized income is 7.7%, and the interest for nine years has never been worse.

7% yield is easy, and now the comprehensive interest rate of many industries in the market can reach 7% yield.

At the same time, do stock funds, bond funds, a small amount of P2P, bank financing, and a small amount of money funds.

The expected rates of return are close to 12%, 6%, 9%, 4.5% and 3.5% respectively.

If the principal is 654.38+00,000 yuan, then the financial investment is 30w, 25w, 15w, 20w and 10w respectively.

The annualized income after such integration is about 7.68%.

1, equity fund

If you have the conditions for stock trading, you can consider buying index ETFs in the stock market, such as 300 index and small and medium-sized board, and get in and out appropriately. If you don't want to go to so much trouble, buy an index fund of a fund company.

Now the stock market is at a low point, and there is a risk of entering the market to lose money, but there is not much room for decline.

2. Bond funds

The rise and fall of bond funds is relatively small, but it is hard to say whether the debt base is a good time now. Generally, interest rates will be cut, and the debt base will rise better.

If you are more radical, you can consider a convertible bond fund.

The advantage of choosing a fund is better liquidity.

3、P2P

Choose a well-known platform at present, and the interest rate is about 10%. However, the P2P interest rate may go down, so it is only calculated at 9%.

4. Bank financing

At present, the level of bank financing is less than 5%, which is too high to determine the rate of return, so it is calculated at 4.5%. To choose about 4.5% wealth management products, you only need to find them on more reliable platforms such as big banks or Jingdong Finance.

5. Monetary Fund

Much the same, because the money fund has good liquidity, it can meet the main body's mobilization of funds, so it reserves a part.

I prefer to choose a big company, at least the funds are safe, and I can pay even if there is a problem. On the first line, offline is dangerous. There is no problem to achieve 7% annualized.

Bank deposit interest, absolutely safe, can exceed 10.

The return on investment of formal private equity funds or trusts easily exceeds 7%, which is normal between 8%- 10%. As for security, the key depends on the security and liquidity of the underlying assets, whether the investment logic is reasonable, and how the income covers the financing cost. Don't be superstitious about the strength of the company. No matter how good the packaging of a company is, you may only see the surface!

Do a good job in asset allocation. The optimal allocation can span the economic cycle, leaving 30% cash for standby, and other industries will be reconfigured according to 100%, national debt 20%, emerging technology investment 10%, and the best companies in the best industries will invest 70%. What industry can span the economic cycle? Historical statistics prove that the pharmaceutical industry, wine industry, food industry and the best industry can win the future for a long time by choosing the best company and investing in its shares equally.

Looking for a professional wealth management institution, the fixed income of trust private equity funds can exceed 7%