With the popularization of financial management and investment knowledge, more and more savers are switching from bank deposits to financial management products.

If an investor holds 100,000 yuan of idle funds, how can he maximize his financial returns? Let’s take a look with the editor.

How to maximize financial returns with 100,000 spare cash? You can formulate an investment plan, divide the funds into several parts, invest them in different fields, and try to make a profit while protecting the principal.

1. The advantages of bank time deposits are capital preservation, safety and reliability, and stable sources of income. The disadvantages are low liquidity and low income.

In addition, when you are in a hurry to withdraw money in advance, the withdrawal amount will be calculated according to the current interest rate listed by the bank, and the loss will be relatively large.

2. Monetary funds are characterized by low risk and similar returns to time deposits, but high liquidity. Some currency fund products can be withdrawn at any time.

Of course, there is often a limit, usually within 10,000.

3. The income of bond funds is higher than that of time deposits and currency funds. It has medium or low-medium risks and is more suitable for investors who have a certain investment tolerance and pursue a stable source of income.

4. For medium- and high-risk stocks or high-risk products, investors may gain 2 times or 3 times the income, but may also lose the entire principal.

It is suitable for people who have certain investment experience and want to give it a try.

5 Financial insurance has stable income and relatively high security. The rate of return will be written in black and white on the insurance contract, but the term is often relatively long.

Policyholders need to pay premiums regularly in accordance with the requirements of the insurance contract, and the liquidity is not very high.

6. Treasury bond reverse repurchase is suitable for short-term capital flows, especially at the end of the month, quarter, year and holidays.

Due to a shortage of funds in the market, Treasury bond reverse repurchase yields tend to surge.

There are too many places where you can invest 100,000 yuan in financial management, each with its own pros and cons. Investors can choose the investment plan that best suits them based on their own investment experience, affordability, and capital holdings.