In fact, the distribution of family financial management funds is very important. All kinds of family financial management funds that I have personally contacted are relatively harsh. There are three main considerations: the safety of the client; Second, the liquidity of the principal; Third, the rate of return on principal, etc. According to these three requirements, I have formulated a 500,000 family financial management method for your reference only.

Divide 500,000 into three parts, namely 200,000, 200,000 and 65,438+10,000, and invest in different products in three parts to pursue different purposes.

The first type: deposit large deposit certificates.

Among them, 200,000 yuan is used to deposit large deposit certificates of private banks, which are five-year deposit certificates. The annual interest rate of five-year certificates of deposit of private banks is about 5%, and the annual interest is about 6,543,800 yuan.

The purpose of this 200,000 yuan deposit in the bank is to be used as a family property, and this money will not be moved unless it is absolutely necessary. Moreover, the certificate of deposit has the function of mortgage loan, which can be mortgaged to the bank to realize emergency use of money. This fund deposit certificate is the most suitable.

Second copy: Smart deposit

The same 200,000 funds are deposited in the five-year smart deposit of private banks, which is an important deposit business of private banks. It is precisely because the smart deposit has a safe principal, strong liquidity and high interest rate, which is similar to the smart deposit with an annual interest rate of 5.88% introduced by some private banks in 2065438+2009.

The purpose of smart deposit is to consider the liquidity of family emergency funds and principal. Families can withdraw money at any time when they are in urgent need, so it is most appropriate to deposit this money in smart deposits.

Part III: Stock trading or buying bank wealth management products.

There are 654.38+million funds left in family wealth management products, which can be used for stock trading and have strong risk ability. The stock market is a high-risk and high-return market. Those with low risk tolerance can only buy bank wealth management products.

This 654.38+million fund aims to pursue high returns. As for the pursuit of high returns, we should also consider risks and decide what to invest according to everyone's risk tolerance.

This is a 500,000 family financial plan that I personally made for you. Personally, I think this financial plan is still relatively good, considering the safety of funds, liquidity of funds and yield. Three aspects are considered at the same time.

I suggest you choose a suitable family financial plan according to your specific family situation. The plan I specified belongs to the public plan and is for your reference only.