Different types of funds can earn different amounts of money a year. If 654.38 million yuan is invested in a money fund, such as the most famous and common Yu 'ebao, then the scale of the Yu 'ebao money fund is very large. According to the 7-day annualized expected rate of return of Yu 'ebao of 3.8%, if you invest 6,543.8+10,000 yuan, you can earn 654.38+ 000,000× 3.8% = 3,800 yuan a year. So if you buy a money fund, you can earn 3800 a year. Yu 'ebao bears interest with compound interest, so this can only be an estimated result, and everyone's seven-day annualized rate of return is also somewhat different.

If 654.38 million yuan is invested in securities funds, the investment of securities funds is mainly stocks, which is a high-risk investment method. Stock prices are changing every second, and the expected returns of securities funds will be impressed by banks. When the stock of securities fund rises, users can get annualized income, and when the stock price falls, investors may face the risk of loss. The expected annualized return of securities funds is similar to that of the stock market. When the expected return of the stock market is 10%, buying 10 yuan can earn100000×15% =15000 yuan a year.

If it is a 65438+ 10,000 investment bond fund, its main position investment is bonds, which belongs to medium and low risk products in terms of risk level. The income of general bond funds can reach the expected income of about 8%. If you buy 654.38 million yuan and invest for one year, you can earn 100000×8%=8000 yuan.

As we all know, the higher the investment risk, the higher the return, and the risk is positively related to the return. As can be seen from the above, the monetary fund has the least annual income and the least risk, but it is the most stable and the securities fund has the highest income risk.

At present, there are many investors who play funds in the investment market, because the investment threshold of funds is low, the transaction is convenient, the handling fee is not high, and there are not many complicated account opening procedures. Although the fund is not as exciting as the stock market, it also has certain investment risks.

If your risk tolerance is average, it is suggested to divide 654.38+million into two years for investment, that is to say, allocate the 654.38+million into the invested funds in two years.