When you face retirement, it means that you have reached a certain age, and enjoying your old age is the most important thing. Then you can give priority to more secure financial management methods when you manage your finances. Don't blindly follow the trend, so that you can know something about financial management and know your own needs, and then you can buy financial products that suit you. It is suggested to buy 6,543,800 yuan as reserve fund, short-term wealth management products, medium-and long-term wealth management products and stocks, and allocate them reasonably.
1. Reserve
You can consider taking out 50,000 yuan as daily living expenses, accounting for 5% of 6.5438+0 million. Generally, with the increase of age, the medical expenses of the elderly may be slightly higher. Prepare 50,000 yuan as a reserve fund for daily expenses and medical care, which can be deposited in the form of bank deposit, or deposited in Alipay balance treasure and WeChat change account, in case of emergency.
2. Short-term wealth management products
You can consider taking out 654.38+ten thousand yuan for short-term financial management, accounting for 1 ten thousand yuan 10%. It is recommended to buy money funds, because these products have low risks, high flexibility and higher interest rates than current banks.
3. Medium and long-term wealth management products
We can consider investing 800,000 yuan in medium and long-term financial management, accounting for 80% of 6.5438+0 million. You can consider large deposit bank products or national debt, which is safer, basically without losing money, and the income is not bad. It is a good way to manage money after retirement.
4. stocks
You can consider spending 50,000 yuan on stock speculation, accounting for 5% of 6.5438+0 million. Because stocks are high-risk and high-yield products, if you are interested in stocks and are proficient in this field, you can consider spending that 50 thousand yuan to play stocks. If you earn, you can make money, and if you lose, you won't cause big losses.