1 Deposit in the bank regularly. For example, 65,438+10,000 yuan is deposited in the Postal Savings Bank for three years, 100000 yuan x 2.75% = 2750 yuan (this is the interest of 1 year, which is 8,250 yuan in three years). This is risk-free financial management. (Figure 1)
2 balance treasure and wealth management in Alipay. Since yesterday (April 10), Yu 'ebao has unlimited access to funds. Although the income is low, it can be used for consumption and wealth management, which is at least higher than the bank's income for two years (see figure 1) (figure 2).
. For example, the 7-day annualized income of Huaan Ririxin Currency is 2.5 100%, which is slightly higher than that of the bank for two years (2.25%). When it comes to Alipay, you have to talk about financial management. For example, the golden period of the Yangtze River enjoys 365 days, and the annualized income is 4.2 150% (Figure 3).
It is equivalent to the large deposit interest rate (3.988%). Figure 4).
3 Jingdong Finance's Jinghong Supreme Treasure, earning 6%, is still a stable income! Better than the above. (figure 5). There are many similar ones, so I won't give examples.
As for money funds and index funds, you can learn slowly when you have time.
65438+ ten thousand yuan is neither too much nor too little. Since it is spare money, it means that it will not be used in a short time. There are several methods for reference:
1.5 million yuan to buy bank wealth management products can basically protect the capital and income. At present, the benchmark interest rate is not high, the yield of bank wealth management products is around 3%-4%, and some small commercial banks will be higher, with a term of several months to one year. Strong liquidity and convenient purchase channels, which can be bought by e-banking at ordinary times, saving time and effort.
20,000-40,000 yuan to buy government bonds, national credit, security and stability. 5-year coupon rate is 4.27%, which can be compared with certificates of deposit. Electronic government bonds can also be purchased in electronic banks.
3.1-20,000 yuan. There are current wealth management or money funds such as Yu 'ebao, and the interest rate is not high, but it has the strongest liquidity, so you can withdraw it at any time when you need it urgently.
If you decide to invest in funds, you can choose to invest in index funds and partial stock funds. At present, the market is at a low level, and now it is starting to make a fixed investment. The chances of obtaining high returns in the next two or three years are relatively large. This year, the annual income of partial stock funds is around 30%. Those who started investing in partial stock funds last year have already made some gains this year. When the market is at a low level, it is most suitable for fixed investment index funds and partial stock funds, and the later investment return will be more objective.
Gold has begun to walk out of a new round of upward trend, and the strong market has broken through a six-year high, which indicates that a new bull market for gold is likely to begin soon. It is also a very good way to invest now.
However, these two kinds of investments have high returns and relatively high risks.
At present, insurance companies have a lot of wealth management insurance products, with good returns and guarantee functions. Or buy savings insurance, they all say they don't know which comes first, tomorrow or the accident. It is very necessary to buy insurance, especially critical illness insurance and accident insurance. If you already have it, you can also buy annuity insurance and reserve pension.
Fourth, stock trading.
If you pursue high returns, you can take out some money to stocks. Of course, there are risks in entering the market, and investment needs to be cautious, especially for beginners, who usually have to pay tuition fees. If you can't take risks, this is not recommended to try.
Finally, you can match the above according to your own needs. If you want to invest steadily, you must share risks step by step, make use of portfolio advantages, play the role of time, and give consideration to liquidity in order to obtain stable returns.
One hundred thousand yuan is also a lot of money. If you don't make good use of it and lose interest in vain, you can choose a combination of low risk and high risk to obtain a comprehensive income level of more than 6%. Let's take a closer look.
First, national debt. The product with the lowest risk is the national debt, so it is suggested to allocate some funds in the national debt anyway. The interest rate of national debt is at a medium level, with an annualized rate of return of 4%. Compared with ordinary bank deposits, buying government bonds is more complicated, and it is necessary to wait for the national sale and consult the bank at the earliest.
Second, private bank deposits. Private banks are typically Alipay Online Bank and Tencent Weizhong Bank. You may not notice that you actually deal with these banks. These banks were born in the era of mobile internet, and they inherited the characteristics of convenience and simplicity. In order to absorb deposits, quite favorable conditions are given, and the interest rate basically starts at around 4%, unlike the highest interest rate given by ordinary banks. At present, the interest rate of one-year deposit products is around 4.2%, and the yield can reach 5% after three years.
Third, P2P financial management. With the rolling thunder, everyone is more cautious about P2P financial management. Its annualized rate of return of about 10% is quite attractive. When choosing a P2P financial management method, we must look at factors such as asset scale and platform operation time, and choose a platform with long time and large scale. However, if the given interest rate is higher than 12%, it is not recommended to choose. In short, the head platform is very important.
I think the above three products are all suitable for choice, but we need to allocate the proportion of funds according to our risk tolerance. It is suggested that P2P products should not exceed 30%. After all, money is hard to earn, and safety comes first.
I'm talking about finance. I share my financial views every day. Welcome attention.
With100000 spare money, I suggest investing in several ways to maximize the income.
The first part: 60% of the wealth management products are purchased from banks' stable money funds.
This part accounts for the vast majority of your100000 yuan, which is 60000 yuan. Although the annualized rate of return is around 3%-4%, it is almost guaranteed. Your principal is relatively small, or you should mainly keep it.
Part II: Buy 30% equity funds or hybrid funds.
This part accounts for 30% of100000 yuan, which is 30000 yuan. This 30,000 yuan is intended to be invested for three to five years. When the next bull market comes, you can have one or two returns, and you can keep investing when the market falls. Now the market has entered 3000 points. If the bull market reaches 6000 points, the income can be doubled. Don't rush to buy a fund. You have to wait three or five years to get a chance.
Part III: Buy 10%
This part accounts for 10% of 1 0 million yuan, that is,10 million yuan. You should buy some blue chips with growth value or some leading white horse stocks. Personally, I suggest buying leading white horse stocks. Many people say that China's technology stocks will become the most potential blue-chip stocks in the next 20 years, but there are too many technology stocks in China. If you buy some stocks that have gone down or withdrawn from the market and waste five years, you will still lose money, so you still buy banking stocks, insurance stocks, medical stocks and consumer stocks.
There are good ways to manage money, see the way of snow, help more friends learn to manage money, the answer is helpful to you, like to pay attention, and there are new colors every day.
The idle money of 654.38+ 10,000 yuan can also generate higher investment income if it can be invested and managed reasonably. According to the current fixed-income wealth management products, this 654.38+10,000 yuan of funds, whether deposited on time, purchased government bonds, or invested in various low-risk funds, can only get a wealth management income of about 3% to 4% at most.
However, if we hope that the income can be further improved, in fact, 654.38 million yuan of funds can also be invested in partial stock funds, and fixed investment can get higher income. According to the income of 30% of partial stock funds this year, the income of this 654.38+million yuan fund can be higher than that of steady financial management as long as it can invest in fund products regularly.
1, select a fixed investment fund.
You can choose fixed investment index funds and partial stock funds because the market is at a low level at present. At this time, if you choose a fixed investment fund, you will have a greater chance of obtaining a greater return on investment in the next 2-3 years. This year, the annual income of partial stock funds is around 30%. If you can choose the people who invested in partial stock funds last year, you will basically have some income this year.
The market is hovering at a low level. At this time, you can continue to invest in index funds and partial stock funds, and it is expected to achieve more investment returns in the later period.
2. choose to invest.
Gold began to walk out of a new round of rising market, which is a strong trend of breaking through a six-year high this year after six years of adjustment, indicating that a new round of bull market for gold is expected to start. At this time, choosing to invest in gold is also a very good investment method.
The short-term gold is also being adjusted. It is expected that with the global economic recession and risk aversion warming up again, gold is expected to step out of a new round of rising market.
Therefore, if 65438+100000 yuan of funds want to earn some income through books, they can choose to deposit them in banks or monetary funds, but the income of such products is too low. In order to improve the income, you can consider investing in gold or investment funds.
Thank you for your love and concern, welcome comments and forwarding, and share more opinions every day.
A: The spare money of 65,438+10,000 yuan is best used for steady investment and financial management, ensuring positive income every year and accumulating compound interest through time.
The specific steps are as follows:
The first step is to withdraw 33,000 three-year time deposits from the bank, and obtain higher income than one year on the premise of ensuring the safety of funds. The current interest rate is 3.2%. If you need money urgently, you can withdraw it in advance, which is convenient and flexible and sacrifices a little interest.
The second step is to take out 50,000 yuan to buy one-year regular financial management. I bought China Life Anxinli 365 from Alipay, and the estimated net return rate is 5.5%.
The third step, if I can take a little risk, I suggest that the remaining 20,000 yuan should be used to buy bond funds. According to the historical income, it should be no problem to achieve an average annual yield of 4%-7%.
In short, financial management requires perseverance, and don't expect to get rich overnight. What financial management needs is that you climb up step by step, and eventually you will reach the top.
Never pursue those high returns, because high returns represent high risks. If you invest 65438+100000 yuan, you can earn 50%, which means you can lose 50%. If you earn 50,000 yuan in the first year and lose 50% in the second year, you will only have 75,000 yuan.
If it is spare money, it can certainly preserve and increase the value of funds through financial management, but considering that it is100000, there are several directions for proper financial management:
1. Monetary fund, the mainstream financial management method at present, has the advantage of convenient access, and its income is equivalent to 10 times of bank demand deposits. At present, the annualized income is around 2.5%. The relative threshold is also relatively low, which is more suitable for ordinary investors. The disadvantage is that the overall income is not high, which is basically the same as inflation and plays a role in maintaining value.
Second, bank financing. At present, bank wealth management products have different returns according to different risk levels. The higher the risk, the higher the income. Generally, annualized income is less than 6%. Financial management is cyclical. General income was slightly lower at the beginning of the year. By the end of the year, due to the overall shortage of funds, the income was slightly higher than the usual 10%.
The disadvantage is that financial management has a certain lock-up period and supports redemption at maturity. Of course, banks are more humane now. If you need it urgently, you can find ways to transfer wealth management products, but the income will be lost.
Third, the foundation will make a fixed investment. At present, the stock index is at a low level. When the economy is good, the stock market will also repair. At this time, properly participate in the fixed investment of some index funds, and the future income is still worth looking forward to. In addition, the reverse repurchase of government bonds is also a good financial product, especially before holidays, and the income will be high.
Generally speaking, there are more and more people who are aware of financial management, and relatively good financial products are in short supply, so you should often go to the bank for consultation, which will help you get first-hand financial information.
Now there are 65438+ ten thousand spare money, which is quite a lot. 65438+ million quick money, good management can also have a good income. As a financial practitioner, I usually come into contact with many wealth management products, and there are also many investors around me. According to the topic of 65438+ 10,000 yuan as the amount of financial management, I can fully share what I can do to get a good income.
First of all, we can consider a comprehensive financial plan to diversify investment and risks. The most common thing is to put it in the bank. According to the current bank situation, recommend bank wealth management products. Why? First of all, although bank deposits are stable, the interest rate is relatively low, and 654.38+ 10,000 yuan is generally not enough for large bank deposits, so bank deposits are not recommended. However, the average bank can invest 50,000 yuan with 50,000 yuan, and the income from bank wealth management is generally between 3.5% and 4.0%. Although bank financing has certain risks, it is relatively safe, and in recent years, it can also get benefits through bank financing, so we can start with comprehensive risks and benefits.
In addition, we also studied the issue of liquidity. When choosing bank financing, you can choose some open financing, and the initial deposit amount is generally unlimited. You can purchase and redeem at any time on weekdays, or you can choose some comprehensively.
Bank financing is generally short-term financing, so the other 50% funds can be considered as part of long-term financing. At the same time, considering the income, you can choose investment funds. Compared with fund investment, fund investment is safer and less risky. Mainly, the nature of the fund's fixed investment is to diversify multiple investment industries and diversify investment value. As long as it is held for a long time, there will be very good returns. The fund does not need to invest too much at one time, but only a part of it every month.
Finally, after controlling the risk, we can consider some income-oriented investment products, choose some industries with good trends to invest in stocks, and also consider the income problem. Recently, the stock market is still stable, so we can consider starting with some.
Finally, all investments should consider their own risk tolerance, invest rationally, and learn to manage money. After all, there are risks. As the saying goes, investment is risky and you need to be cautious when entering the market!
Thank you for your adoption!
65438+ ten thousand pieces of spare money, the amount is not large, but if it is only 65438+ ten thousand pieces of spare money, it may be considered as a small sum of money for yourself. I don't know what to do with it. If I want to manage my money, it is important to consider risks. According to your risk tolerance, I will give advice in two parts:
If you are risk-averse and can't take risks, then you must choose a low-risk way.
1. Bank time deposit: There are differences among banks, so you can look at several banks and choose the one with relatively high interest rate. For time deposits, the interest rate for one year can only reach about 2%, and the interest rate for three years can reach above 3.5%. If you have spare money in a short time, it is not easy to choose. If you have spare money for a long time, you can find a bank with high interest rate to deposit it for three years.
2. Savings-type national debt: Savings-type national debt has low risk, but it also has the problem of time limit. If there is no one-year bond, it is only three years. In coupon rate, it is 4%, which requires funds to be idle for a long time.
3. Monetary Fund: The yield of monetary fund is generally 2%~3%, and the risk is very low, slightly higher than that of deposits and national debt, because many underlying assets of monetary fund are also invested in deposits, which ensures the low risk of products, but correspondingly limits the high yield. The liquidity of the money fund is relatively good, and T+ 1 can be redeemed. If it is a "baby" category, it can be redeemed immediately.
If you can take certain risks, you can take a relatively radical approach.
1. Regular wealth management products: The risks of various one-year regular wealth management products are low, and the general annualized rate of return can reach about 4%. The time is not too long, and the rate of return is relatively acceptable. For example, regular old-age security financing, brokerage collective asset management, and bank regular wealth management products can all be considered.
2. Bond funds: Bond funds are funds that invest in government bonds, corporate bonds and urban investment, and also belong to the low-to-medium risk level. The yield of bond funds is not fixed, generally between 3% and 7%, and it can reach 10% in good times. When the stock market is generally bad, the debt base performs well, and vice versa.
3. Fixed investment of index funds: the index funds themselves fluctuate greatly, which is higher than all the risks I mentioned above, but the potential returns are also high. The stock market has ups and downs, but overall it is at a low level, and the center of gravity will continue to move up. The monthly fixed investment of Shanghai and Shenzhen 300 index funds fluctuates smoothly, and the annualized income reaches about 10% after three years.
These are my suggestions. You can choose a way that suits you according to the idle situation of funds and your actual risk tolerance, or allocate funds in different types of assets to achieve low risk and potential high returns as much as possible.
65438+ million funds can be managed in many ways. Let me tell you something about it.
1 If you don't have financial knowledge, I suggest you deposit your money in Alipay's Yu 'ebao, so you can get cheaper rent every month, or deposit it in WeChat's change pass. Compared with the two, the current income of WeChat is higher than that of Alipay, which is the most suitable financial management method for Xiaobai at present.
2 Choose a fund in Alipay or WeChat, and choose a regular fund. If you have a fixed income every month and don't need a lot of money, you can choose a fixed-term fund of about 2 years, and there is basically no loss. Most of them are profitable and can be purchased with confidence.
3 You can trade stocks, you can use a stock simulation software first, practice for a period of time, feel that you can, and invest as little water as possible.
If you have spare money, then learn how to manage money slowly, learn a little a day, or read a little financial knowledge, and you will naturally understand it after a long time.
Look for partners and invest in small projects, such as catering, express delivery, convenience stores and so on. Or jointly open a small processing factory in your familiar field.