As a middle-aged person, he has established a family in theory, so financial management needs to be considered according to the actual situation of the family.

No matter whether Standard & Poor's family assets allocation or other financial management methods are adopted, there are two most important issues. One is to ensure the safety of principal, and the other is to diversify investment, reasonably control the relationship between risk and income, and don't blindly pursue excessive income.

with the release of new financial regulations, financial products are not guaranteed, and investors need to bear the financial profits and losses themselves. Therefore, when purchasing wealth management products, it is necessary to consider the risks of the products and whether the family is a horse. The following are for reference by several types of products:

1. Monetary fund

Monetary fund is an open-end fund that gathers idle social funds, is operated by fund managers, and is kept by fund custodians. It is specially invested in money market instruments with low risk, which is different from other types of open-end funds and has high security, high liquidity and stable profitability. However, at present, the yield of money funds has fallen below about 2.5%, and the liquidity is also limited by the daily "quick redemption" limit of 1, yuan for a single money fund (a single money fund needs "ordinary redemption" if it exceeds 1, yuan, and it will be redeemed before 15: on the normal trading day on T+1, which is counted as T day and the next day is T+1 (in case of weekends and holidays, the time will be postponed)), so it is only suitable for a small amount of spare cash allocation.

2. national debt

national debt, also known as national debt, is a creditor-debtor relationship based on national credit and in accordance with the general principles of debt. Because the issuer of national debt is the country, it has the highest credit and is recognized as the safest investment tool.

There are three types of national debt, namely voucher-type national debt, book-entry national debt and savings bonds, all of which are invested by 1 yuan. The current three-year national debt is 4%, and the five-year national debt is 4.27%.

3. certificates of deposit

certificates of deposit of banks also belong to the category of bank deposits, and are also protected by the deposit insurance regulations. even if the bank goes bankrupt, it can get 1% compensation within 5, yuan, and can "rely on the file" to calculate interest. Even if it is redeemed in advance, it will not lose all the income, which is relatively flexible. At present, the annual interest rate of 2, certificates of deposit is 3.19% for two years and 4.18% for three years. Each bank has different income, so you can choose the most suitable bank to buy.

4. Debt fund

Debt is a kind of certificate of creditor's rights and debts, which is the same as national debt. It is also that everyone repays the principal and pays interest according to the agreement within the prescribed time limit, but national debt is more secure than corporate debt. The bonds have good liquidity and can be freely transferred in the market. Some bonds will also bring interest and dividend income to investors from time to time. At the same time, investors can also earn the difference with the buying and selling price of bonds, so as to make a profit, and the yield is about 5%. Moreover, the fixed investment of the fund is also a good investment method, which is suitable for medium and long-term investment, so as to spread risks and dilute costs.

5. Internet platform wealth management products

You can choose products that suit your income objectives, risk preferences and liquidity requirements, and choose "reliable" platforms, such as banks, BAT and other platforms with big brand credit endorsements. Investment and financial management will be more convenient and there are some good choices.

For the bank deposits on the Xiaoman Wealth Management APP (formerly Baidu Wealth Management), 1% will be paid within 5, yuan, and the liquidity and income are good:

(1) The current product "Sanxiang Bank Current" has an early withdrawal income of about 3.9%, which can be accessed at any time, with interest on the same day, unlimited holidays, withdrawal on any natural day, real-time receipt on the same day, and no trading day restrictions.

(2) The term bank deposit product "Revitalizing Smart Deposit" has an annualized rate of return of about 4.8%, which belongs to bank deposit products and pays 1% within 5, yuan, which is suitable for stable investors and above;

The above wealth management products are suitable for family investment, but other high-yield wealth management products are not introduced, because high-yield represents high risk, and many products are not suitable for public investment. Don't be blind. You can buy relatively safe and reasonable liquidity wealth management products according to your own needs.

investment is risky, so you need to be cautious in financial management! You can search for "Duxiaoman Finance APP" in the application market or follow "Duxiaoman Technology Service Number" for detailed product information.