Knowing that money is the best way to manage money, if I have 1 million, is it cost effective to kee

If you use your own money to make more money, this is what everyone cares about, after all, with money you have a certain amount of capital, you can play its due role in the market, in different cooperation environments to play a different role, the benefits and risks of activities are differentChoosing to deposit a large certificate of deposit with a bank is one of the most common and least risky ways. <>

For the large-amount certificate of deposit restrictions of individual customer banks, the most common ICBC for example is basically more than 100,000 yuan, even if the large-amount certificate of deposit, the large-amount certificate of deposit is slightly higher than the interest rate of the ordinary user's certificate of deposit, and it is only a line of high, as far as I recently learned, the ordinary deposit for three years is, the large-amount certificate of deposit user is, this investment method is the most common risk, the lowest is suitable for most people, almost he has no risk,Because you have divided your money into two banks and deposited 500,000 yuan, affected by the national principal and interest protection system, your money will not disappear no matter what. <>

You can also choose other investment methods, such as **. This kind of investment has the highest risk, of course, the return is also the highest, if you have all the liquidity now 1 million, then it is recommended that you can take out 20% of the maximum 30% to do high-risk investments, such as **. Half of it should be a sound investment, because you can't put all your eggs in the same basket, and you can't put all your money into venture capital, whether it's ** or **,It's all uncertain, if you make an investment, you will lose everything, and you may not be able to accept it at that time.

Investment and financial management has never been the most effective way, the most cost-effective way, because everyone can accept the risk is different, some people may know more about these things, whether it is because of professional reasons or personal interests, he knows more, he feels that although there is a risk, but he can accept itBut if you are a novice, you have not been exposed to ** before, and you use a large amount of money to invest**, which is a very unwise choice.

I think it is very cost-effective to keep 1 million yuan in the bank, because the interest in the bank is very low, and the yield is also very low.

This is also more cost-effective, with an annual interest of about 450,000 yuan, which is enough to live.

It's not cost-effective, if you put 1 million in the bank, the income is relatively small, and you can invest in others.

Of course, depositing in the bank is a way to manage money, but it is not the best, because the bank's interest cannot run up to the price of goods.

The specific financial management methods are as follows:

1. About 25% of the funds are used as bank deposits.

For now, bank deposits are the safest way to manage your finances. Of course, there are many classifications in deposits, such as: ordinary demand, ordinary time, call deposit, large certificate of deposit, etc.

Among these products, the return of large-amount certificates of deposit is the highest, because the interest can be negotiated with the bank, and there is no problem with an annualized rate of 3-5%.

Second, about 15% of bonds and bank wealth management.

Bonds must give priority to national bonds, and in the case of national credit endorsement, the credit rating of national bonds is the highest, and unless the country goes bankrupt, there is basically no possibility of default. The more common treasury bonds in banks are: certificate and savings treasury bonds.

However, it should be noted that the maturity of treasury bond products is relatively long and the liquidity is average, so the purchase group of treasury bonds is basically middle-aged and elderly investors. From the perspective of risk, unless the central bank cuts interest rates sharply, the time cost and opportunity cost of government bonds are relatively high, and the liquidity is average.

Compared with treasury bonds, banks' wealth management products are more flexible and selective, and from the current point of view, the shortest maturity is only one month. However, the yield of bank wealth management is not like treasury bonds, its yield is not certain, and the bank will only give you an expected return situation, and there will be various fluctuations during the period. In essence, bank wealth management does not promise the income and does not guarantee the safety of the principal, and the final actual income may be positive or negative.

3. About 30% of the insurance.

If you have a family, the most important thing is that you have to buy insurance for them, and you have to buy insurance for yourself at the same time. Because you are not only financial, but you also have to take care of them.

Fourth, about 25% of the total fundraising**.

**One of the most prominent advantages of financial management is that you can let a professional manager manage your money for you, but the income is floating, and you only need to spend a very small amount of handling fees every year. The first recommendation is the currency type**, because the cargo base has the highest security and good liquidity.

If the investment target of a certain commodity base is the bank's market or bills, its security is almost the same as that of a bank deposit.

Fifth, you can allocate some pure debt **.

For example, enhanced bonds, credit bonds, and dollar bonds. In the medium and long term, bonds can basically get positive returns, and the principal can be returned on the maturity date, such as the state wax fruit and then appropriate allocation of some US dollars or other currencies of bonds can also offset the exchange rate and national policy risk. There is also a product that cannot be avoided:

Principal Protection**.

For most people, 1 million is a lot of money, make good use of it, you can make money, and the income is considerable, so is 1 million better to deposit or buy financial management? Which one has a higher yield? Relevant content has been prepared for your reference.

Deposits will be different because of the years of deposit, and the interest will change, 1 million if the interest on the deposit is fixed, it is generally not as high as the large certificate of deposit, if it is filial piety to save money, the large certificate of deposit is also a kind of deposit, and the income of the deposit of a large certificate of deposit will be a little higher.

The threshold of large-amount certificates of deposit is generally 200,000 yuan, 1 million is definitely enough, and the income of Dachun Shenzhen certificates of deposit is generally relatively stable, for example: assuming that a bank's large-amount certificate of deposit is 4%, then the interest will not change every day, and the interest will be 4% when it matures.

However, if it is 1 million to buy wealth management, if the financial income is more optimistic, it is basically no problem to reach 6%, and its income is higher than that of the bank's large certificate of deposit, but the same risk is also relatively large.

Because financial management is risky, with the characteristics of no principal protection, no interest protection, and the risks are unknown, if the income of financial management is not optimistic, it is possible to lose the principal, then the return of large certificates of deposit is higher.

So different situations will have different results, when investing, investors can choose according to their own situation, if you don't want to bear the risk, then the deposit is good, if you want to pursue high returns, and can bear a certain amount of risk, then you can consider financial management.

With the development of the times and the advancement of science and technology, there are more and more wealthy people in society. How to take care of money when you have it? It has also become a problem that plagues many people, after all, making money and keeping money are not the same concept.

Especially in the context of the current era, there are many people who can make money, but there are very few people who can really take care of finances. So how do you do it? Take bank deposits alone, in the eyes of many people this is the most secure, safest and simplest business process, in fact, it is not, saving money also needs a method, there are 1 million deposits, don't deposit in a bank, bank staff revealed, so that the principal is safe, the interest is higher.

Therefore, people with 1 million deposits cannot be deposited in a bank, although theoretically speaking, the more money you save, the higher the interest rate, in fact, after mastering a certain method, the interest rate is not low, and the principal risk is zero, simply put, it is necessary to split 1 million into multiple deposits, and then distribute them in a number of banks, such as a sum of 350,000, a sum of 300,000, and a sum of 350,000, respectively, deposited in three small banks, the interest rate of small banks is actually much higher than that of large banks, The amount of this split fully meets the threshold requirements of large-amount certificates of deposit, and the interest rate will not be lower than that for a three-year period, and the interest rate may not be so high if you deposit 1 million yuan in a large bank as a whole.

You can choose treasury bonds or buy **, so the risk is relatively low, and the interest will be higher than the interest deposited in the bank.

1 million cash in the bank is not cost-effective, 1 million can be used to buy currency**or, index**, bonds, etc. for financial management, this kind of capital preservation financial management is safe and high.

Investing and managing money are two different concepts. You're asking about financial management.

Wealth management, from a professional point of view, focuses on risk minimization under the premise that the return is relatively certain.

The core of this is: the return is relatively certain, and the risk is the lowest.

The available wealth management in the market is arranged according to the risk and liquidity from low to high: demand deposits, time deposits, insurance (poor liquidity), currency** (including Yu Yu Bao, online wealth management, etc.), bank wealth management, **, priority in structured trust products, trust products, TOT products, limited partnership products, etc. The foregoing lists are all categorized from a risk and liquidity perspective, with the exception of insurance.

Preliminary allocation plan: 40% TOT products, the return is about 8-12%, the income is determined, the risk is diversified, and the liquidity is poor; 30% for currency**, low risk, good liquidity, market expectation returns between 5-8%; 20% is used for new share subscription**, which is a high-risk, high-return, and liquid type; 10% is used for insurance and financial management, and the sum insured should cover your annual income and your existing assets several times;

Specific utility: It depends on your choice, if you focus on the comparison of returns and risks, and do not pay attention to liquidity, then simply invest in currencies**. All you have to do with financial management is to maximize the utility for you.

I am a 28-year-old government worker, married with one child, and my husband and wife have a total salary of 30,000 years. In the past few years, there were 1 million fixed deposits in business; Participating insurance is 300,000 yuan and expires after 2 years; When an enterprise buys machinery, it invests 300,000 shares and pays an annual dividend of 60,000 yuan; There is a house worth 200,000. The parents do not have much retirement savings, but they have a pension, medical insurance, and 500,000 real estate.

The monthly consumption is 2000 3000, and the salary is basically gone. Ask the experts, am I too conservative in my finances now, and what should I do? I'm not very interested in ** because it's too time-consuming.

We are very much looking forward to your reply, thank you! Financial analysis: family salary income of 30,000 yuan, fixed deposit interest of 20,000 yuan, enterprise dividend of 60,000 yuan, insurance dividends unknown, annual consumption expenditure of 30,000 yuan, balance ratio, laid a solid financial foundation for family financial management.

Existing assets: bank fixed deposit of 1 million yuan, dividend insurance of 300,000 yuan, enterprise investment of 300,000 yuan, real estate worth of 200,000 yuan. Financial advice:

This netizen, judging from your investment situation, provides the following suggestions 10,000 time deposits, with low returns, cannot effectively resist prices**. You can take out 100,000 yuan to try to buy**, learn relevant knowledge and accumulate practical experience, and then gradually increase your investment to improve your financial returns.

The income of 10,000-dividend insurance is slightly higher than that of fixed deposits. However, the primary function of insurance is protection, not investment.