If you are afraid of risks, it is not bad to deposit it regularly. For many banks, as long as you have such a large amount, the bank can give you a higher interest rate, if it can give you an annualized interest rate of more than 4.5%. It is basically guaranteed to earn hundreds of thousands of interest every year. If this hundred thousand is enough for your living expenses, then you have achieved wealth freedom.
If you want higher income, you can buy wealth management products. Many banks have launched special wealth management products for large users, and even some annualized income can reach 5%~6%. If it can reach 6% stably, you can ensure that your annual income is above 6.5438+0.8 million, and you can use part of it and continue to invest the rest.
If you want to buy a fund, you still have to learn, because other people's advice is after all other people's knowledge. Even if someone tells you which foundation will make money in the future, if you are not familiar with this fund, you will not have enough strength to grasp it and sell it at the right selling point. Therefore, if you want to buy a fund, you must learn relevant knowledge and have a good attitude. If you don't have a good attitude, you don't want to learn relevant knowledge. After the fund's income reaches the expectation, we can consider taking out some of the income for the next round of investment.
If you have enough investment experience and can take big risks, you can try to buy stocks, but only if the money is not for your future life. If the money is only for parents to practice, then you can use it to exercise your investment ability. Stock investment may bring the highest income, but at the same time you have to bear great risks, so from the beginning of planning to invest in stocks, you must be psychologically prepared to bear great risks. And to learn relevant investment knowledge, but also a steady stream of learning, constantly look at the financial reports of these stocks, understand the market trend, and have their own trading rules, and resolutely abide by them.
So, if your parents give you 3 million yuan and you want to invest, you should see what kind of income you want to achieve and consider what kind of risks you can take. Generally speaking, if this money is your family's future life, it is recommended not to buy high-risk products.