Investment not only needs to master certain financial management knowledge and skills, but also needs to make appropriate financial planning according to its own financial situation, risk preference, investment objectives and other factors. If investors have 200,000 spare cash, it is very important to diversify their investments and not put all your eggs in one basket. Spreading 0.2 million/200 thousand yuan into different wealth management products can reduce risks and improve returns. The relatively simple and efficient method is 432 1 financial management method. Investors can divide 200,000 yuan into four accounts for investment:

1. Investors can deposit 10% of the funds into the cash account. This part of the money is mainly used for emergency and daily expenses, and requires high-liquidity and low-risk wealth management products, such as investing in Yu 'ebao, WeChat change to buy money funds, and reverse repurchase of government bonds.

2. Put 20% of the funds into the insurance account. This part of the money is mainly used to buy insurance and manage wealth, transfer the risks brought by diseases or accidents, and ensure the safety of their own property. Investors can consider buying universal insurance, dividend insurance and other products with both insurance and financial management characteristics.

3. Put 30% of the funds into the venture capital account. This part of the money is mainly used to invest in some wealth management products with high risks and high expected returns, so as to improve the overall income. For example, investors can consider buying stocks, hybrid funds, equity funds and bank wealth management products.

4. Deposit 40% of the funds into a sound financial account. This part of the money is mainly used to obtain long-term value-added income and pursue capital security and stable income. This part of the funds can be considered to invest in bank time deposits, structured deposits and the purchase of government bonds.

5. It should be noted that the fund allocation ratio of each of the above accounts is not fixed, but only provides a basic idea for reference, and investors can adjust themselves according to their own actual situation and judgment on market conditions. In addition, investors can't just pay attention to income and don't care about risk. Any kind of wealth management product has risks, and the higher the income, the higher the risk.