If you are a younger friend, it is not particularly wise to put your money in the bank. Because the money is in the bank, the deposit interest rate of the bank is too low now, which is definitely out of touch with inflation. Save money like this, and finally find that when you use money, you hate having less money.

Others suggest investing in a high-quality stock, and people who have no experience in stock trading should not touch it, so as not to lose the final principal.

According to my experience in investing in funds or stocks, my suggestion is to choose two hybrid funds with very good performance, not industry funds. Hybrid funds can be fixed for a long time. In the first year, the two funds invested a total of 4,000 yuan each month, preparing 50,000 yuan in cash for current wealth management and the rest for bank wealth management. And so on.

For friends who don't have any investment funds, in fact, it is more appropriate for funds to invest in batches, which is much less risky than one-time investment. Moreover, according to their investment experience of more than ten years, as long as they don't choose particularly poor funds, they can beat inflation by insisting on investing in batches.

For another example, you can keep rolling 300,000 yuan to buy bank wealth management, and the interest of many wealth management products can reach 4∽5%. In this case, the operation is a little more troublesome than regular deposit in the bank, but the income is still good.

For example, you can buy 300,000 yuan into shares of listed companies of the four major state-owned banks, insist on holding shares for a long time, and don't buy or sell them casually. It is also very good to get an annualized income of more than 4∽5% through share dividends every year.

Of course, there are many other ways besides this. For example, if you continue to buy government bonds or buy national reverse repurchase in the bond market, you can get stable income.

However, the income from buying treasury bonds and reverse repurchase of treasury bonds may be relatively small, about 2%-3%. Compared with the income from the above financial management methods, it is not bad to make money by preserving capital.