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If you have 400,000 deposits, how should you manage your money?
Financial management is based on individual risk tolerance, investment objectives and deadlines. The following are some suggestions, but please note that these are for reference only, and the specific situation needs to be decided according to personal needs and market conditions.

1. Diversify investment: spread funds among different investment varieties to reduce risks. You can consider investing in financial products such as stocks, bonds and funds.

2. Stock investment: If you have certain risk tolerance and investment experience, you can consider buying stocks and choosing stocks of companies with potential and steady growth.

3. Bond investment: bonds are relatively stable and suitable for investors with low risk tolerance. You can buy government bonds, corporate bonds, etc.

4. Fund investment: You can buy some mature low-risk funds, such as index funds and bond funds.

5. Real estate investment: consider buying some stable real estate or other real estate to obtain rental income or appreciation income.

6. Time deposit: You can deposit some funds into time deposit to ensure a certain income and liquidity.

7. Education, medical insurance, etc. Buy some insurance products to deal with possible accidents or risks.

8. Financial planner consultation: If you are not sure how to manage your finances, you can consult a professional financial planner and make investment planning according to your personal situation.

No matter which way you choose, you need to do a good job in risk assessment, pay attention to the principle of diversified investment and regular reinvestment, and ensure the safety and appreciation of funds.