If the wealth management funds in the hands of private equity funds reach 6.5438+0 million, and the daily support of the family can be fully supplemented by income or other funds, you can choose private equity funds. Not every investor can invest in private equity funds. First of all, it requires qualified investors of private placement products. The conditions to be met are 3 million financial assets or 500,000 annual income in the last three years. Qualified investors need to have the ability to identify risks and take risks.
Risk-taking ability refers to the ability of people with a certain amount of funds to choose investment risks suitable for their risk preferences and needs. Generally, there will be a risk questionnaire to fill in. If the risk standard is met, you can buy a private equity fund. ?
In the choice of private equity funds, it is suggested to choose fixed-income products. The annualized investment income of this kind of products can basically reach about 7%-9%, which varies according to the product type and the time income of investment locking. It is higher than bank financing, and it is mainly non-standard assets of bonds, but the disadvantage is that it must be locked for one year.
What needs to be reminded here is that you must have the ability to identify risks. Don't choose products that are inconsistent with publicity and have high product returns. It is necessary to sell private placement products through formal channels. In order to avoid buying high-risk or informal private placement products, so as to avoid future principal loss or payment difficulties.
First of all, it is necessary to ensure that this investment project of 654.38+0 million has no high risk, and it is necessary to plan the financial management project reasonably without losing the principal.
? You can consider using 50% of the funds as fixed income financial management. We need to take out a small part as the liquidity demand of daily living funds. We often encounter sudden emergencies in our lives, so we must have some funds that can be used flexibly. You can consider taking 20,000 yuan as a cash-based wealth management product, such as baby products or banking products.
These products are characterized by their stability and flexibility. When you need money, you can use it at any time, which is higher than the current period and as flexible as the current period. Another 480,000 can be used as a wealth management product for about 6-9 months. The income of products in this period is higher than that of cash products, and the income is relatively stable. The fixed income products of banks are relatively safe, but the disadvantage is that the current income is about 3%-4%.
In addition, Public Offering of Fund can use 200,000-300,000 yuan to make some equity fund products. At present, there are many cemetery funds with good returns on the market, including index funds and some industry stocks. We can only choose some funds of ace fund managers to buy.
These ace fund managers are all relatively high-level and have many years of work experience. You can look at the investment performance in the past 65,438+00 years. If the return on investment is high between 2065,438+00 and 2020 and low in 2065,438+05, you can buy the funds of these ace fund managers, or you can choose to go to the bank and ask professionals if you don't understand stocks and funds.
? But we must remember two principles. One is that the historical performance of fund managers is better, and the net return of bear market funds is smaller, because you can't guarantee that you can make money by investing in these stock funds at present, but the level of fund managers with less return in bear market is reflected in the fact that bear market loses less money and bull market makes more money.
The remaining 200,000 funds can choose to buy index funds. At present, both the index and Shenzhen Component Index are at a low level. Buying index funds is very likely to make money in the future, and it is very unlikely to lose money.
The above scheme is basically safe for the whole fund even if there is a short-term quilt cover for stock funds. In this way, your entire idle fund 1 10,000 will have a reasonable plan, which can be advanced or retired. The annual income is higher than the bank's regular period, and it is also higher than simply buying wealth management products, and it also takes into account the daily liquidity needs.