I was born in 1993, and now I am 27 years old. At the age of 27, I saved 460,000 by working, which is really amazing.

Some children at this age are still running around looking for suitable jobs after leaving school, and some are still addicted to online games and cannot extricate themselves.

And now that you have worked hard on your own, you already have such a considerable amount of funds and have made great achievements.

In addition to continuing to work, it is a good idea to invest this money and make money make money.

There are two suggestions for your reference: first, you can choose to deposit regularly in the bank, or choose financial products with high returns.

Now almost every major state-owned bank has this business, and some financial products offer depositors a very high interest rate, exceeding that of bank time deposits.

Last year, a colleague purchased a deposit-type financial product from a large state-owned bank. The interest rate was as high as 7%, but it could not be changed midway. With 500,000 yuan, the annual income would be 35,000 yuan. After three years, it would be more than 100,000 yuan.

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However, this kind of financial management product is not often available, but appears quarterly and monthly, and it is rare to find it.

Another item is, you are 27 years old this year. If you have not yet married a wife, you must make a budget in advance. If you plan to get married at 30, then save for three years and you can withdraw it at that time.

Of course, if you don’t need this money to get married or you are already married, then you don’t need to consider this issue. Since you have classes to attend and income every month, it is best to save the money for a longer period of time and have a higher rate of return.

Second, another way to manage money is to invest in entities, which can provide higher returns.

A friend is in a similar situation to you. He owns a house and a car, and has more than 500,000 yuan in spare money. He thought the return rate was low when he kept it in the bank. By chance, he rented a shop in the center of the street and invested the 500,000 yuan to start a business.

In a small restaurant, my wife acts as the proprietress and hires a chef and two waiters. Due to the large customer flow and good service quality, the few people are busy every day.

In the past few years, excluding all expenses including house rental fees and workers, the annual net income is 200,000 yuan, which is enough for her husband to work for two years.

My wife has made money on her own, and her family status has suddenly improved, and she is very proud.

Her husband also feels proud. He often praises his wife in front of his colleagues about how capable he is. Now a group of fair-weather friends are joking that he is a softie, and he happily agrees.

Investments like his are very successful, but this requires time, location, and harmony, all three of which are indispensable.

This year due to the epidemic, people stayed at home and no one went to restaurants anymore. In the first half of the year, we suffered a huge loss. We had to pay for the rental fee from home. Fortunately, the landlord was more open-minded and asked for 20,000 yuan less.

This is because of the investment risks caused by the external environment. Although the rate of return is high, there is no bank insurance to keep the money.

When choosing to invest 460,000 yuan, you should choose based on your actual situation. If you have no professional expertise and no time at work, then put it in the bank.