0 1. Put the daily expenses for 3-6 months in the balance treasure to meet a small amount of emergency money at ordinary times.
It's useless to put money in the balance treasure, but it's profitable. I usually put 10 thousand yuan in the balance treasure. When I need to withdraw cash, I will transfer it directly to the bank account. My personal test is 15 minutes to arrive quickly.
In terms of Yu 'ebao, the annualized rate of return for seven days is 2.46%, and the income for the first year of 10,000 yuan is 246 yuan. Some people say this is the only point. What's the use? ! Isn't there an old saying: if you don't pay attention to small money, where can you get big money? Financial management is like a magnet. The smaller the scrap iron, the better the attraction.
02. If the remaining 90,000 yuan is not urgently needed, you can directly purchase one-year regular wealth management, or mix and match wealth management products with different periods according to your own money demand to ensure the flexibility of funds.
Alipay has launched a number of wealth management products with different maturities:
During the 7-day period, China Life Weekly increased by 2.8%;
During the 30-day period, Jianxin Pension Feiyuebao was 3.2%;
60 days, China Life Super Yuebao 2.94%;
The one-year period of China Life Insurance, Anxinli, Jianxin Pension and Changjiang Pension is about 4.5%.
Why do you need to evaluate your own money when buying regular financial management?
That's because there is a disadvantage of regular financial management, that is, once you buy it, you can't redeem it in advance!
In addition, you can take greater risks, or you can start a fixed investment through Alipay and make money through the smile curve.
For ordinary people,100000 yuan is no longer change. It is not recommended to put it on Yu 'ebao and WeChat Wealth Management, because the essence of these two wealth management products is money funds. The loose monetary policy now will lead to a decrease in the income of such money funds. Now the advantages of Yu 'ebao and wealth management are only the flexibility and convenience of daily mobile payment. Therefore, it is not recommended to put 10 million yuan into Yu 'ebao and WeChat, and local tyrants are free.
In order to make the rate of return higher, you can choose regular funds and funds. The liquidity is lower than that of Yu 'ebao and Licaitong, but the income far exceeds them.
The fund's rate of return can reach more than 50%, but among many funds, only a few excellent ones can reach this level. Many times, you find that this fund has gone up a lot, and when you reach the performance ranking, it proves that you have missed this fund.
There are three types of funds: growth, income and balance. You can choose different types of funds according to your personal financial habits. In addition to the classification of funds, there are also forms of funds, that is, what methods the fund focuses on, such as ETF funds. When you see an ETF fund, you know that this fund is an index, which generally follows the rise and fall of the investment index.
It is not recommended to invest in the fund at one time100000 yuan. You can choose a fund that suits you and invest a fixed amount every month. This is a fixed investment. This can reduce the impact of short-term fluctuations. If the general profit is above 10%, you can consider selling it.
It's easy to be regular and don't worry too much. Choose the right regular wealth management products according to your regular term or rate of return. Banks don't say much about the regular wealth management products in Alipay. The advantage of Alipay's regular wealth management products is that they are regular in a short time. The longest period is only 360 days, and the yield can reach 4.7% in less than one year. In addition, the threshold is very low. Ordinary banks need 1 10,000 funds to achieve a regular rate of return of 4.7%.
Finally, the best way to manage100000 yuan is to diversify investment, so as to maximize the income. Part in the fund and part in the term. Find a balance point. This is a financial portfolio. From now on, set up your own financial portfolio according to your personal situation.
If you have 65,438+million in your hand, it is better to put Yu 'ebao or buy a term or fund. First of all, it depends on what type of 65438+ million Yuan You is. Below I will start from two aspects: 65438+ ten thousand spare money and 65438+ ten thousand in hand.
If you have 6,543,800 yuan of spare money in your hand, that is to say, it can be used for investment, and it will not be used for about 654.38+ 0 ~ 2 years, then I suggest you put 6,543,800 yuan into the fund.
For example, you can invest in SSE 50 Index Fund, CSI 300 Index Fund or NASDAQ 100 Index Fund and S&P 500 Index Fund. You can divide it into two parts. Some of them invest in SSE 50 Index Fund or CSI 300 Index Fund in China. You only need to buy one of them, because the two are almost the same. The other part can buy Nasdaq 100 index fund or Standard & Poor's 500 index fund.
In this way, we can get higher income and keep stability. But when buying, you must pay attention to the fact that you can make a fixed amount of investment every month or week. If the net value of the fund falls, we can make up the position manually to reduce the cost and obtain higher income.
If you always have 654.38+ten thousand yuan in your hand, then I suggest you divide it into three parts.
In the first part, we use a monetary fund similar to Yu 'ebao or WeChat Wealth Management to meet the needs of daily life while enjoying the benefits.
The second part, buying regular products. You can choose regular products for one month, 60 days, half a year or even one year, and choose according to your personal preferences. Buying regular products can get higher returns than money funds, that is, Yu 'ebao.
The last part, you can buy funds and invest in the SSE 50 Index Fund mentioned above. Although there are risks, you can get good returns.
How to divide these three sums of money? It should be decided according to your personal monthly needs and risk level. For example, if you need about 3,000 yuan a month to live, you'd better invest 20,000 yuan in Yu 'ebao, the remaining 50,000 yuan in regular products and 30,000 yuan in SSE 50 Index Fund.
Generally speaking, it doesn't mean that you can do anything with 65438+ 10,000 in your hand. You should plan this 6,543,800 yuan according to your own situation, and get as high income as possible on the basis of diversifying risks.
Come uninvited and share personal real cases.
What a coincidence, I happen to have 6,543,800 yuan of spare money in Yu 'ebao for a long time. One is security and the other is flexibility. You can use it at any time. Calculated, it is more than 2,000 yuan a year.
But with the recent stock market crash, individuals began to invest in an index fund on Alipay. It is planned to invest 2,000 yuan a week, that is, 8,000 yuan a month and 96,000 yuan a year, 12 months, which is almost just enough 1 year.
A shares have been in a bear market for more than four years since they fell in June, 20 15, so I personally think A shares will have a chance in a bear market for another year. So I insist on investing in index funds, and I believe there will be a bull market in the next year or two. At that time, the yield will definitely exceed Yu 'ebao.
My plan will be implemented in mid-June. At present, I have almost invested 1.3 million. On the whole, I am still profitable. Floating profit 1% or more, floating profit is about 200. If the annualized rate of return is calculated, it is about 6%, which is much higher than Yu 'ebao. Ha ha!
Of course, if the stock market continues to fall in the future, this investment will definitely lose money, but it doesn't matter. The more you fall, the more you buy.
Some people may ask, what should the stock market do if it bears for two or three years? There is nothing to do. Try to make money and save money, and the more you fall, the more you buy. The Shanghai Composite Index will not be sold until it rises above 4000 points! I believe that the final income will definitely outperform Yu 'ebao.
There are 654.38+ million in hand, so it is not recommended to put them all in Yu 'ebao or WeChat. At present, the annualized rate of return of Yu 'ebao on the 7th is 2.294%, and that of WeChat on the 7th is 2.46%. If you don't use this money in the short term, you can make a long-term plan and get higher returns while ensuring the safety of the principal.
1, allocate 50,000 yuan of national debt.
National debt is a national credit, Phnom Penh bond, starting from 100 yuan. We pursue the preservation and appreciation of assets. Buying funds and stocks can be used as a part of asset appreciation, and national debt can be used as our assets to preserve value. At present, the 3-year interest rate of national debt is 4.0% and the 5-year interest rate is 4.27%. As a hedging asset, the interest rate is not low.
2. Fixed investment of the fund
Through the effective allocation of assets, we can get higher returns in steady investment.
A little advice, not very mature, please give me more advice.
Why do eggs have to be put in one basket?
When you finally decide where to put it, you must first understand their respective advantages and disadvantages.
When Yu 'ebao first came out, it earned about 4.3 points, but now it only earns more than 2 points. Wechat is similar.
The advantages of Yu 'ebao and WeChat are flexibility; However, the shortcomings are obvious and the income is relatively low.
Therefore, the money put in Yu 'ebao or WeChat should be money that needs to be used at any time.
If your100000 yuan is spare money, it is definitely recommended that you don't put all of it in these two, and the income is not cost-effective.
There are many kinds of funds! Even Yu 'ebao and WeChat's change pass are some kind of money fund that is docked.
If you invest in a fund, you can do a risk test first to see what kind of venture capital preference you belong to. One hundred thousand yuan is neither too much nor too little. You can invest in various types of funds (money funds, debt funds, stock funds, index funds, etc.). ) according to the corresponding proportion. As for whether you can choose a fund with good returns, that is something that needs to be re-analyzed.
Compared with Yu 'ebao, the advantage of the fund is that the risk is slightly higher, but the income is also high, including your analysis that diversification to various types of funds can be reduced. As for flexibility, the flexibility of the fund is not bad, just take it out one or two days in advance.
Among these financial management methods, regular is the earliest financial management method, and it is also a relatively stable financial management method.
But it is not recommended to deposit money in the bank regularly. The bank's regular income is too low, but 654.38 million yuan is also a large deposit, which has reached a high income level.
Other fixed periods, such as the one-year fixed period in Alipay, also have more than five points, and some banks' financial management is also profitable regularly. If you are cautious, have a risk preference and don't want to worry too much, it's not bad to choose a period with a slightly higher return.
Yes, there is also a premise that you won't use the money for a while, after all, the liquidity on a regular basis is relatively poor.
Said it was one of the four. If 65438+ is not all spare money, I suggest everyone put a little.
5000 Yu 'ebao+WeChat for life;
55,000 fund for deposits, income and emergency;
40,000 fixed term, used to deposit income.
Anyone who can manage money with Alipay knows how to manage money with WeChat, but they don't put money in WeChat. Only people who can't use Alipay will put money into WeChat.
Teacher Jiang's point of view: If you have 654.38 million yuan in your hand and put it in the balance treasure, WeChat and the fund will have different benefits respectively. If you want to pursue a relatively high return, it is recommended to put your money in the fund. As long as you operate properly, you can earn a return of 10% ~ 15% a year.
Let's talk about the first financial management method, and put the money in the balance treasure.
The annualized income of Yu 'ebao is only about 2.37%. Then 6,543,800 yuan is put into Yu 'ebao, and the annual income is about 2,370 yuan. This rate of return can hardly outperform inflation. Now the national inflation level is above 2%.
If the actual inflation rate is calculated, then the inflation level is around 4%, and the money in the bank is basically depreciated. Even if it was placed in the balance treasure, it did not outperform inflation and lost a lot.
The second option is to put it on WeChat. Wechat Wealth Management has a product called change pass. Its annualized rate of return is around 2.3%, which is not much different from Yu 'ebao. 654.38 million yuan deposit, annual income of about 2300 yuan.
These two methods are relatively stable and do not need any operational financial management methods. As long as you put the money in, you will get the benefit. But whether this income can meet your requirements is another matter. Generally speaking, the yield of 2.3% is basically the same as the inflation level, but the funds have not really played a role.
The third way to manage money is to deposit regular financial products with banks. Now the bank's regular wealth management products yield is also very low. The one-year rate of return is about 1.9%, the three-year rate of return is about 3.25%, and the regular rate of return over five years is about 3.75%.
Then, as long as the fixed-term wealth management in the bank is taken out in advance, these yields will be gone, and the income can only be calculated according to the demand deposit, which is very unfavorable for your deposit. It is not recommended that you buy a time deposit in a bank, because as long as you deposit it, you will only lose money.
The last financial management method is shared with you. It is called index fund fixed investment, so the fund is actually divided into active and passive types. We choose the index fund to vote, so it is a passive fund. This kind of fund mainly changes with the trend of the market, with ups and downs.
You can stabilize your investment cost through fixed investment. In the long run, fixed investment funds can get relatively high returns, and the annualized rate of return of 10~% 15% is no problem.
I suggest that you learn more investment skills and financial channels when choosing financial products. Choosing the right fund wealth management products has much higher income than general investment products.
If you have 65,438+million yuan in hand, the yield of Yu 'ebao and WeChat is around 2.3%, and the income from regular financial management will be very small, less than 2%, while the fixed investment of the fund can bring more than 10%. Finally, I suggest you choose a good fund product.
However, funds also have risks, and if they are not properly operated, they are likely to get caught up in them, so it is very important to screen funds.
65438+ 10,000 yuan, not a big sum of money, choose to put it in Yu 'ebao, WeChat change pass, or manage money regularly and invest in fund products. How to choose these products, let's analyze them one by one!
Both Yu 'ebao and WeChat Bitcom are money fund products, with relatively small risk factors and safe and reliable products. Regular wealth management products are also very safe. As for the fixed investment index and stock funds, there are still certain risks, and the principal may also face losses!
Yu 'ebao and WeChat Bitcom are extremely liquid, can withdraw cash at any time, and also support quick redemption. Conventional financial management does not support redemption and liquidation during the product duration, so the liquidity is the worst! Although fund products can be bought and redeemed at any time, they are generally T+ 1 day after the funds arrive, and the liquidity is slightly poor!
Income and risk are equivalent, and high income is bound to be accompanied by high risk. Therefore, from the perspective of income, the expected income of fixed investment fund products is the highest, and it is also possible that the annualized rate exceeds 10%. Of course, the fund may also face losses; Monetary funds have the highest security performance, and the income is naturally lower, currently below 3%!
Since it is only 654.38+10,000 yuan, the relatively stable investment plan is:
There is100000 yuan in hand that can be used to invest in funds. Let's analyze one by one:
First, Yu 'ebao
Yu 'ebao is a wealth management product owned by Alibaba. When it was first established, the interest rate of this product was relatively high, which attracted many people to save it. Now the interest rate is slowly decreasing. If you deposit 65438+100000 yuan, you may receive interest of 3000 yuan. The advantage of saving money is that it is more convenient and can be taken out at any time. It is convenient to generate interest in three days. Interest fluctuates slightly, and it is unlikely to reach the previous height in the future. If you rob the bank of its job, you will definitely be squeezed out.
Second, WeChat
Putting it on WeChat is similar to putting it on Yu 'ebao, and the interest is basically unchanged. It's more convenient to use, but the interest is lower and it's more appropriate to break even.
Third, on a regular basis
Nowadays, young people save less regularly and can't move funds for a while. In case they need it, they will have to deduct a lot of interest. This is suitable for middle-aged and elderly people who don't understand financial management. For some businessmen, it is definitely not enough. Modern young people also spend a lot of money and have little time to save.
Fourth, the fund.
Fund is a good investment, you can choose stock funds, and now domestic stocks are in a relatively low position, which is good for stock funds. Funds that buy stocks may have higher returns, and those who are willing to take risks can choose this.
The fund is also managed by a special person and will not buy or sell any stocks at will. We will study whether the enterprise has investment value through professional research and other means.
Equity funds have the nature of high risk and high return, and those who want to take a chance can consider it.
Now the national conditions are relatively stable and the economy is developing well. Affected by economic fundamentals, the stock market can develop healthily in the big environment.
The prosperity of the stock market will drive the development of the fund.