I have 20 million, what bank is better to deposit or what kind of wealth management products to do?

China Merchants Bank has the best service, CITIC Bank's financial management is more famous, Bank of Communications is a good among several large state-owned banks, don't choose ICBC and ABC! Their service is notoriously poor, as for wealth management products, each bank is different, it is recommended that you choose small and medium-sized banks for consultation, such as CITIC, China Merchants Bank, Pudong Development, GF ......The wealth management products they operate are relatively better than those of large commercial banks such as ICBC and ABC. When choosing, pay attention to the nature of the wealth management product (whether it is launched by the bank itself or by the insurance company or the ** company, in fact, as long as the product is good, which one is not very important), the product term, the cost of the product (initial fee, redemption fee, custody fee, etc.), and the most important thing is whether the principal is protected!

The return depends on whether it is a fixed income or an expected return!!

What insurance do you buy after 20 million!

It is better to buy bonds.

If you want to find bank wealth management products, it is better to find a foreign bank like HSBC, because the domestic investment environment is too bad now.

Personally, I feel that the service of China Merchants Bank is good, but it is not clear how his financial products are. Everbright financial products are good, but they can't be compared with professional financial management, it is recommended to find a financial expert, if you really have 2000 to play, you should be able to find a private financial manager.

If the risk is a bond or a bond**, and a currency**, the minimum threshold for a currency** is 5 million, I remember, you just have enough.

It's also good if you don't have a collective financial plan. It is estimated that there are not many people who know, and I know that Guangfa, Huatai, and Everbright are doing it, and I know limited. I guess it's done well.

When there is a lot of money such as depositing in the bank, I am considering other investments.

Deposit in the bank, enough for you to eat, wear and spend.

I feel like the insurance is ok. Insurance can cover serious illnesses and can also have dividends.

Deposit it in our bank, and I will give you an extra 200,000 yuan a year after deducting interest.

Dizzy, right? Why bother, find a professional financial planner to help you, you can come to us to investigate.

Treasury bonds, **, convertible bonds, oil, real estate.

It is advisable to consult with a financial counselor.

100,000 deposited in the bank, the amount is limited, and there is definitely no chance to issue a large amount of certificates of deposit. The subject is also a shrewd person, knowing that traditional banks have almost no oil and water for a year, and would rather choose financial products to strive to make more money. The one-year interest rate of state-owned banks and joint-stock banks is about 20% higher than the benchmark interest rate of the central bank, which is almost in between, that is to say, the interest rate of 100,000 yuan for one year is up to 1950.

Local small banks such as urban commercial banks, rural commercial banks and village and township banks will have higher interest rates. For example, Bank of Kunlun, Jieyang Rural Commercial Bank, Wuxi Rural Commercial Bank, etc., the one-year time deposit interest rate is as high, which is almost the highest interest rate of small banks, with a one-year interest rate of 3300. However, after entering 2019, individual village and township banks have made a good start to deposit activities, and the interest rate is higher, such as a fixed product of a Feng village and township bank, with a minimum deposit interest rate of 10,000, if it is this product, there is an interest of 4100 a year.

However, observing the latest interest rate **, the highest interest rate is still the smart deposit of private banks, which is not only the same as the security of ordinary time deposits of other banks, but also far exceeds any other bank in terms of liquidity and income, such as the one-year interest rate of Zhenxing Deposit, which is as high as 4869 for one year, 2919 more than large banks, and 769 more than village banks. It can be seen that with the same deposit of 100,000 yuan, choose different banks, and the financial management effect is one in the sky and one in the ground.

Even if you buy savings bonds, the one-year interest rate is only 3,340 yuan for one year, which is only a medium level compared to the time deposit interest rate. The interest on the deposit is not high, but the security is very high, and the principal and interest guarantee are suitable for conservative investors. If you want to obtain higher returns, you must take certain risks when choosing wealth management products, because most of the current banking wealth management products are non-principal-guaranteed wealth management products.

However, it is a pity that after entering 2019, especially recently, the annualized return of bank wealth management products has generally shown a downward trend.

You can buy the wealth management products launched by the bank on a regular basis, and the annualized income can reach the above, which is higher than the interest rate of the bank's fixed-term deposit, and you can earn about 4,600 yuan a year.

If you deposit 100,000 yuan in the bank, you can buy the bank's one-year wealth management products, and the annual interest rate is about 2%, which means that the one-year interest income is about 2,000 yuan.

I think the income from buying currency ** is very good, and I can get about three or four thousand yuan a year.

Local Banks City Banks.

We all know that bank deposits are extremely safe and stable financial products, so in addition to bank deposits, what other similar financial products are there?

First, national debt, many people don't understand what exactly is a national debt? In fact, we can understand very simply, the treasury bond is equivalent to the state to write an IOU, you charge interest according to the interest rate every year, because the treasury bond is backed by the country's reputation, so, there is almost no need to worry about the principal, the first phase of the treasury bond is on sale, from August 10 to August 19, the three-year annual interest rate, the five-year annual interest rate is compared with the three-year bank deposit interest rate, only the treasury bond is still very fragrant. It can be purchased offline through bank outlets, online banking and mobile banking, and it should be noted that to buy treasury bonds, you need to open treasury bond business, and you need to handle it offline.

Second, pure debt**, pure debt** is 100% invested in bonds, and does not participate in any **investment, so the risk is relatively low. In the long run, the yield curve of pure debt ** is smooth, the performance is flat, and the correlation with ** is very low. It is also a good place for investors who want to stabilize and put their money.

Third, savings insurance, which can also be said to be a risk-free product, the annualized rate of return of most products is about compound interest, bank deposits are generally simple interest, do not underestimate the word compound interest, compound interest means interest rolling interest, your principal is constantly getting bigger, take 200,000 principal for example, the income, 10 years down, compound interest is 12,120 yuan more than simple interest, 20 years of compound interest is 57,958 yuan more than simple interest, the longer the time, the more obvious the advantage of compound interest, the biggest benefit of savings insurance is not affected by the market, Earnings are written into the contract and long-term interest rates are locked.

If there were ten million, I wouldn't be in the bank because inflation will make you have less and less money. I won't buy them all, because it's too risky.

If I am a person with a conservative or moderate risk tolerance, I would choose to buy bonds or fixed income**, Treasury bonds, etc.

If the risk tolerance is in the middle and low level, I will choose stock index** or some fixed investment index**, stock-to-bond swap, etc.

Finally, I will consider **, options, **, foreign exchange, etc.

One is risk-free and the other is risky. If you deposit in the bank, your funds will depreciate, because the price is too fast now, if you invest, this adjustment is not very easy to do, and you may not lose money. Compare it yourself, or you can take a look at other financial products.

All deposits in the bank are certainly not suitable, and the earnings cannot outperform inflation and depreciation.

It's also quite risky to buy them all, especially for people who don't have any experience.

Therefore, it is still necessary to allocate a variety of assets, including financial management with stable income and low risk, and investment with slightly greater risk but high return.

I suggest that you can choose**5 million** or 5 million a financial management to do this, it is better, of course, this is my own suggestion, the specific decision is still in how you look at it!

If you have 10 million, you can invest in which area you are good at.

In this case, it is necessary to combine your risk tolerance and expected financial return goals.

In general, in order to reduce risks and increase returns. This is usually done in a combination of multiple configurations.

I'll give you an example and don't use it as a reference, 3 million deposited in the bank, guaranteed to have sufficient liquidity, 2 million investment index**, risk and return are lower than**.

2,000,000**, risky, operate with caution.

2 million invested in shops, real estate, waiting for appreciation.

1 million is used to invest in others, these are theoretical operations, and the specific combination of risk and return is then changed.

9 million deposited in the bank.

1,000,000 to do**.

Generally this situation is still recommended to set up an overseas foreign exchange**.

Nowadays, many companies are popular to avoid the risk of depreciation.

It's as if our company itself is doing fully automated foreign exchange ** software (the team analyzes the operation strategy, the customer only needs to monitor, not operate like this).

There are many companies that will ask our company to buy software and then find the platform to operate by themselves. However, now we generally provide a reliable platform, such as a licensed legal institution, supervised by a local ** financial management authority, and an insurance system to ensure that the funds can be protected in case of any other circumstance, and the independent custody of the funds of the cooperative company's customers does not involve the company's operating funds.

So for this reason, many people or companies who have capital but do not have time to be professional will choose custodial foreign exchange, so custodian foreign exchange was born, and then talk about the most popular foreign exchange now, we take 10,000 US dollars as the standard, as far as I am in the company's custody principal-guaranteed type, the annualized rate is 60 US dollars per month for three months, 70 US dollars for six months, and 90 US dollars for 12 months.

Because our original purpose is to avoid the risk of depreciation, our ultimate goal is to make reasonable diversification through overall analysis, and have earned the most stable returns with the least drawdown rate. Some companies always promise too high profits, but in fact, they are likely to be false.

Hopefully, the above will help you think rationally and avoid unnecessary losses.

Part of it is done** and part of it is made of wealth management products I am a broker I suggest that you buy part of the *** do some venture capital investment and the rest buy some capital guaranteed wealth management products The financial management of the brokerage is still good.

The wealth management products of various banks are basically homogeneous, and the income is also similar, mainly depending on which bank you are used to doing business in and which bank you think has better service. If you must screen which bank's wealth management products are the best, you can use your financial management ability to rank the banks. The top 10 banks in terms of financial management ability are China Merchants Bank, Huaxia Bank, Minsheng Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of China, China CITIC Bank, China Everbright Bank, Hang Seng Bank and Bank of Jiangsu.

In this quarter, China Merchants Bank ranked second in terms of issuance ability, profitability and information disclosure standardization. The score of risk control ability and richness of wealth management services is also relatively high, and the excellent individual performance makes the bank's comprehensive ranking of wealth management ability rank first. Huaxia Bank ranked second overall, mainly due to the bank's good performance in risk control, issuance and profitability in the quarter, and Huaxia Bank scored the highest among all banks' evaluation questionnaires.

Minsheng Bank ranked third in the overall ranking, and the bank performed well in the three individual rankings of risk control ability, information disclosure standardization and assessment questionnaire, ranking first in each category.

Three, fourth and second. At the same time, the bank's issuance capacity and profitability are also relatively high, and finally entered the top three in the comprehensive ranking with a high total score.

In general, there are no other fees for allocation. The main thing is an interest one. etzje37

At present, there are very few, from the perspective of June 2020, the current very cost-effective private bank smart deposits and a considerable part of the rigid payment of wealth management deferred products, the recent interest rate has begun to gradually decline, or its dividend payment method has been changed accordingly. At present, the most cost-effective in the stable investment market should be the current treasury bonds, including large-amount certificates of deposit and a part of the rigid payment wealth management products.

The average one-year interest rate of wealth management products in the market is basically maintained at about 4%, which is indeed very difficult to achieve compared with many current bank deposit products, especially since May 2020, a considerable number of banks have begun to reduce their actual implementation interest rates.

And the actual implementation rate of this reduction also involves a part of the large-amount certificates of deposit, the maximum interest rate of the bank large-amount certificate of deposit starting at 200,000 yuan has a floating rate of 55%, and it has gradually been lowered to about 50%, so it is difficult for us to see the interest rate of the three-year bank large-amount certificate of deposit can be reached.

At present, deposit products that are higher than bank wealth management returns should only be pinned on the current private banks to continue to issue new smart deposits, but the current information for the public is relatively small, and you need to go to their local bank official website or corresponding counter for consultation. Up to now, the number of private banks in China has remained at more than 20 and has not exceeded 30, so it should not be a particularly time-consuming problem to query.

At present, the mainstream market is stable and the same wealth management products are basically the current fixed savings and a part of the rigid payment wealth management extension products, and the smart deposits of private banks, the one-year annualized interest rate is basically maintained at the left, adjust their psychological expectations to better carry out the corresponding stable investment and financial management.