65,438+0,50,000 yuan was deposited in Yu 'ebao, because there are many uncertain factors during pregnancy and delivery, such as prenatal physical examination, delivery hospitalization and employment for one month. If it is a caesarean section, the hospitalization fee will be higher, which is about 1 000 yuan in the county. The advantage of buying Yu 'ebao is that it is highly mobile, and it can be withdrawn at any time in case of emergency, and the income is relatively stable. In the past seven days, the annualized interest rate has remained stable.
2. The second is 50,000 yuan to buy government bonds. It is a relatively safe investment tool with a national background, but its liquidity is poor and it cannot be taken out at any time. Three-year and five-year returns are generally between 4.6% and 5.3%.
3. In the third phase, 654.38+10,000 yuan was purchased for bank wealth management products, mainly invested in treasury bonds and money market products with high security level, and the security of these wealth management products was relatively reliable. Generally, you can buy from 50,000 yuan, and the yield is above 5%.
4. The fourth copy is 600,000 yuan to buy p2p wealth management products. This kind of products have high returns, but the risks are relatively large. So be careful when choosing. Be sure to choose a formal, legal and well-known Internet platform. When choosing products, we should not unilaterally pursue high returns and put safety first. Secondly, let's look at a family of four. Monthly income 1.2 million. According to the consumption level of the county, under normal circumstances, 700 yuan is 3,000 yuan per person, and the whole family will live well. The childcare and tuition fees for the two children are 20,000 yuan per year, with an average of 2,000 yuan per month. Then there is the cost of communication, vehicles and property. 2000 a month is enough, and there are 5000 a month.
1, the fund will vote. I suggest that 2000 yuan per month be used for the fixed investment of the fund. At present, the market is hovering around 3000 points, not the lowest point, but definitely not the high point. It is the golden period of fixed investment of the fund. The advantage of fixed investment is to share costs and reduce risks.
2. Insurance. People are doomed, and the weather is unpredictable. For the safety of family and children, buy an insurance. Adults can choose accident insurance and critical illness insurance, and children can choose education funds. Maximize the happiness and safety of family members. This 3000 yuan allows professional insurance personnel to make a plan.