If you can't guarantee a 5.88% return on your investment, your risk tolerance is relatively poor. It is recommended to use 240,000 to repay the mortgage. The remaining 1 0,000 yuan is used to study investment and financial management.

Option 2: learn first and then configure.

If the risk tolerance is ok, it is recommended to put the money in Yu 'ebao or Tencent Wealth Management. Then take out 6.5438+0 million of them to study investment and financial management, and suggest starting with index funds. After that, I will allocate the remaining 240,000 according to what I know.

Option 3: Learn while configuring.

If you have a strong risk tolerance, you can take out 10000 to learn about index funds first. At the same time, the remaining 240,000 shares will be divided into 48 shares, and each share will invest 5,000 yuan in index funds tracking the Shanghai and Shenzhen 300 Index. At the same time, put the money that is not used for fixed investment into Yu 'ebao or Tencent Wealth Management.

When making a fixed investment, it is recommended to make a fixed investment every month and on payday. Moreover, we should pay great attention to the rate of index funds we invest in and try to choose low rates. Finally, you should record and optimize your fixed investment every time.

The fixed investment forms are as follows:

Fixed investment plan