I have 350,000 yuan, how to manage my money more conservatively

The first thing you have to learn is asset management and allocation, which is relatively simple, that is, divide your 350,000 into several parts, and then use them for different channel purposes.

First of all, according to your own daily expenses, etc., divide a part as daily expenses; secondly, divide a part as emergency expenses (such as illness, borrowing money from friends, etc.); and then divide it into a bank deposit; Then divide a portion into investments.

Why do you say that you want to deposit a part in the bank, basically, you can't make much money by depositing in the bank, but this is your most basic fund.

How is this part of the investment allocated? Look at your own financial management ability, if you have a certain financial foundation and financial management methods and channels, then you can allocate it yourself, if not, the following are my suggestions.

**: I suggest not**, if you really want to try it, you can simulate it first**, wait to get started, spend about 5000.

Currency**: Currency**, or Internet babies such as Yuebao Wealth Management, are actually of the same nature, and the income is equivalent to a one-year fixed bank term, but the risk is really low, so you can intervene from this piece first.

P2P financial management: Find some reliable platforms, and the income is about 4 times that of the bank's regular term.

Hello, it is recommended that you choose a reliable and professional financial management platform with a regular big brand. For prudent investors, it is recommended that you choose financial products with a lower degree of risk, such as:

1) Currency**.

Currency** still attracts many users with a strong preference for "liquidity" due to its high liquidity, security, and convenience. The assets behind it are mainly some assets with good safety and liquidity, such as cash, bank deposits with a maturity of less than 1 year (including 1 year), bond repurchase, interbank certificates of deposit, etc.

2) Pension security management products.

Pension security management products are now very common, and they are sold on major Internet wealth management platforms, and many banks are also selling them. This is an asset management product of an insurance company, with a term of less than 1 year and low risk.

The interest rate of the current period of the pension security management product is a little higher than that of the currency, between 3%, and the yield of the fixed product is similar to that of the bank financial management, the longer the term, the higher the interest rate, and the yield of the 6-month product is around.

Pension security management products can be used as a supplementary substitute for bank wealth management, and it is more convenient to purchase directly on the Internet platform. Such as the degree of small Manli ** Jiang Tian Tian Ying or Yangtze River Yue Yue Ying products.

Du Xiaoman Wealth Management is a professional wealth management platform under Du Xiaoman Finance (formerly Finance), a regular big brand is reliable and safe, Du Xiaoman Wealth Management provides diversified financial products such as investment, current wealth management, bank regular wealth management, etc., to help users achieve wealth growth with peace of mind, and users choose suitable financial products according to their liquidity preferences and risk preferences.

At present, Du Xiaoman Wealth Management has been operating safely for nearly 5 years, and the previous products have also completed the redemption of principal and interest. You can search for "Du Xiaoman Financial APP" in the application market for detailed product information.

You can search for "Du Xiaoman Financial APP" in the application market for detailed product information, and the specific product-related information is subject to the actual page of the official APP of Du Xiaoman Finance. Investment is risky, and financial management needs to be cautious!

Hope this helps.

If there is a China Merchants Bank in the city, you can also learn about the financial management of China Merchants Bank: at present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, **, etc.

Investors who want to invest and manage their wealth management need to open a corresponding investment and wealth management account first. In order to prevent investors from falling into investment and financial management misunderstandings and causing property and mental losses, investors should go to formal financial institutions that meet the requirements of national supervision when opening investment and wealth management accounts such as savings, insurance, bonds, foreign exchange, and financial management.

China's financial institutions are mainly divided into three major components: banking, insurance and financial management, but from the perspective of investment and financial management channels, the company can provide investors with more investment and financial management channels and apply for more types of investment and wealth management accounts. Some wealth management tools (such as bonds) can also be opened through a variety of channels (banks or ** companies) to open investment and wealth management accounts.

Generally speaking, in terms of banks, through the investment and wealth management accounts opened by banks, savings products and bank wealth management products and first-class products can be handled, and large banks can also purchase treasury bonds through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through banking channels can be handled at the bank counter. In terms of insurance companies, investment and wealth management products such as life insurance and property insurance can be purchased through investment and wealth management accounts opened by insurance companies.

In terms of companies, the investment and wealth management accounts applied for opening by **companies can be used to invest and manage money through a series of investment and wealth management tools such as (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), (including finance**, such as stock index**, foreign exchange**, etc., commodities**, agricultural products**, etc.). **Account opening can be handled at the business department of each **company, which needs to be handled within the trading day. Some ** companies can make online appointments through various provinces**, and the account opening time through the appointment is correspondingly more flexible, and can support account opening on Saturdays and Sundays.

Let's make a fixed deposit first, most of the financial management methods that can be done with 30,000 yuan are not very reliable.

**You need a lot of professional knowledge, ** the income is average, it takes time to open a store, and it is better to go to the bank to buy a wealth management product.

30,000 is estimated to only be able to open a store in **. Others are unrealistic.

30,000 yuan, capital guaranteed wealth management, monthly income of 3%.

Rongyi Wealth Management, which only does secured wealth management, can get 10,000 yuan of interest for 350,000 yuan a year, calculated at an annual interest rate of 12%.

It depends on what financial products you choose, if you don't choose well, you may lose money.

Financial management is risky, and investment needs to be cautious.

You can invest in spot** are small investments with big returns.

Hello! There are many products suitable for financial management, in addition to bank fixed deposits, they also include bonds, credit cards, investment, insurance and wealth management. It is recommended that you should consider the specific product, your own needs and financial ability.

In general, the basic steps that should be followed in investment and financial management are:

1. Clarify financial goals, find out financial gaps, reasonably set goals, clarify the gap with goals, and take into account short-term and long-term goals.

2. Self-test risk tolerance, reasonably plan the asset allocation portfolio according to your own risk tolerance to determine the asset allocation portfolio, and the risk is from small to large: deposits, bank-entrusted wealth management products, bonds, **, **.

3. Select appropriate financial products and investment methods, and determine the investment varieties and allocation ratios according to the asset allocation portfolio.

If you are regular, it is recommended to deposit 1 year 1 Treasury bonds are completely OK **The investment is relatively a little less There is no problem with the rest.