If you want to be steady, you can choose conservative financial management, hold 5 million cash, and get 200 thousand interest every year. Of course, if you want to get more income, but your ability to resist risks is average, you can choose a large deposit for three years with monthly interest. If the annual interest rate is 3.7%, we know that your monthly income is 1.5 million through calculation. If you like high returns and have a certain ability to resist risks, you can make a two-year non-guaranteed floating income, which also bears interest on a monthly basis. According to the expected rate of return of 5%, the monthly income is about 20,000 yuan.

Time deposit: People who choose time deposit usually choose a three-year deposit date. According to the interest rate of 2.75%, the principal is 5 million yuan, and the annual interest of the deposit is 5 million x 2.75%, which is equal to137,500 yuan.

Large deposit: the interest ceiling of large deposit certificate is 5,000,000× 2.75 %×1.5 = 206,250 yuan; If the annualized rate of return of bank wealth management products is 5%, then 5 million× 5% = 5 million× 0.05 = 250,000 yuan; At the same time, considering that the current bank financing is no longer guaranteed capital and interest, structured deposits and money fund products will become better choices, and the annualized income of 4% is still acceptable, so the income is 200,000.

First, bank wealth management products are divided into current and regular wealth management. These include:

1. The current wealth management products have low requirements on the principal amount and flexible redemption;

2. Regular wealth management products generally require the principal 1 1,000 yuan or 50,000 yuan. Take the recruitment behavior as an example, the current rate of return is 3.3%-4%, and the income is ok.

Two. Matters needing attention in purchasing wealth management products:

1. Wealth management products must be distinguished between those issued by banks themselves and those sold by banks to other financial institutions. Especially when buying offline, the sales manager can't say that the yield of our products is 5%, and you will buy it as soon as you hear that the yield is so high. It is necessary to distinguish who issued it and whether the issuing institution trusts it. You can check the distribution of wealth management products through China Wealth Management Network.

2. Reverse repurchase of national debt

The so-called reverse repurchase of national debt means that you lend money to the borrower, and the borrower uses the national debt held as collateral. On the maturity date, the borrower pays the principal and interest according to the agreed interest. The reverse repurchase of government bonds is supervised by the stock exchange, and its security is guaranteed.

3. The reverse repurchase of treasury bonds is classified as 1 day, 2 days, 3 days, 4 days, 7 days, 14 days, 28 days, 9 1 day and 182 days according to the loan term. Some borrowers in the reverse repurchase of national debt are bank employees, and they need to complete their performance and borrow temporarily near the assessment period. Therefore, generally at the end of the quarter or the end of the year, the interest on reverse repurchase of government bonds is relatively high.