The recommended distribution ratio is as follows:
1, daily necessities: 3-6 months' consumption demand, which is allocated to current bank deposit products with high liquidity and safety, with an annual income of about 4%. For example, the demand product "Sanxiang Bank Demand" on Xiaoman Wealth Management APP (formerly Baidu Wealth Management) platform, with an early withdrawal income of about 3.9%, can be accessed at any time, and the value can be taken on the same day, and it can be withdrawn on any natural day, and it can be received in real time on the same day, without trading day restrictions and limits, and it can be paid within 500,000 yuan 100%;
2. For protection: If it is a medium-and long-term investment, you can choose investment-linked insurance and universal insurance, which can not only protect your life but also obtain investment income. Appropriate allocation of critical illness and critical illness insurance, there are many good annual Internet critical illness insurance products, with an annual premium of several hundred yuan;
3. For fixed-income products with relatively high security, 20-30% can be allocated to reduce the investment risk, and the annualized income can be around 5%. If they are "high-income" groups, some of them can also invest in trust plans, and the expected income can reach about 7%.
4. For fund products, it is suggested to stick to long-term investment and obtain excess returns through the characteristics of professional fund management and risk diversification, which can also reduce risks.
You can search for "Du Xiaoman Financial APP" or pay attention to "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!