With 1 million yuan, how to invest and manage money?

There are so many ways to invest in finance. The most well-known is the deposit bank. Don't consider the current account, the interest is too low. Fixed deposit rates are also not high right now. And now there is a claim that more than half a million is not guaranteed.

Now the hottest thing is investment and financial management. **There are many kinds, and the currency type is Yue Bao and the like. The annual interest rate of the bond type is more than 2 or 3 percent.

The hybrid type may become a loss, or it may be more than 10% a year.

** Seventy or eighty percent of the year is good, and twenty or thirty percent of the year is bad.

The index type is a kind of ** type, which belongs to the passive tracking index, and the return is similar to the ** type.

If you buy a good ** day, you can make 20 percent of the profit, and if you buy a bad ** day you lose 70 or 80 percent.

Therefore, how to invest and manage money depends on how long your funds are not in a hurry.

If you don't use it for more than one or two years, buy a hybrid index type and a **type**, divide it into ten parts, invest 100,000 yuan each, invest about 10% of the loss, and earn 10% to redeem one. Or simply set it to invest 1,000 or 2,000 yuan a day. If you continue to invest regularly for one to two years, it is estimated that the income will be considerable.

You can also buy one with a relatively small change**, and you can also buy it according to 10,000 yuan per day for half a year.

The month is unknown.

Some people say that it is divided into three parts. 300,000 buy**, 300,000 buy**, 300,000 rent shop, 100,000 as working capital. That's what the average person does. There are also people who use it to open chain stores. Different regions have different investment projects.

This money is not too much to say a lot less, even if you invest in real estate at this stage, it is very risky and the liquidity is relatively poor. You can draw about 200,000 yuan to invest **** or operate ** to learn, 500,000 can do a certain amount of principal-guaranteed financial management, and the remaining 300,000 or so bank savings and liquidity are allocated by yourself.

If I have a million, I choose to deposit a part of the bank, and a small part of it is taken out to do a small business, don't invest, investment is risky, I invest hundreds of thousands, and I have no return, so I have learned a lesson and no longer believe in investment.

1 million is not a small number, with so much money I think I can buy some** or real estate.

First, 1 million, with the consumption level of a small county, if the depositor is single, or only needs to be responsible for another person's expenses, and has no debt, and has no bad habits of spending lavishly, there is still a greater possibility of reliable interest in the short term. However, in the long run, this life will not last long, because there are two major unfavorable trends. The overall level of deposit interest rate is low and falling, and the yield that savers can enjoy in the future may not be able to reach 4%, and the interest received will be lower.

Second, judging from the per capita consumption expenditure of residents in the country over the years, this data is showing a trend year by year, and the increase is not small, with an average annual increase of more than 1,000 yuan. Even if the current annual consumption of depositors is only about 20,000 yuan, and they are single, according to this trend, I believe that it will not take many years, with the price of goods, it will no longer be able to cover living expenses with interest. Some of the remaining concernsIn addition, there are some remaining concerns to consider.

First, people go to high places. Some people want to save 1 million when they have 100,000, and they want more deposits after they have 1 million. And some people have the urge to spend, and Pall also wants to be extravagant.

If you stop working after having 1 million yuan, the interest you earn will no longer cover all your living expenses, and your savings will become less and less.

Third, in a humane society like a small county town, if a person no longer works, how can he explain to his relatives and friends what he is usually doing and what he eats? Once others know that they live on interest, if relatives and friends are in a hurry to borrow money, should they borrow or not? Third, if there is a family with children, it is difficult to support the family with an annual interest of up to 40,000 yuan, and then cover the children's college tuition and bride price.

Even if you are a single nobleman, what if you encounter any serious illness, accident, accident or the like? 1 million yuan sounds like a lot, but judging from the hot search, in front of the ICU ** fee brought by some poisonous mushrooms and watermelons that have been put for a long time, sometimes it doesn't play a big role.

1 million can be used for asset allocation, can be invested in different products, can be used to allocate financial management, **, **, etc. Investors should allocate according to their own risk tolerance and expected returns. If investors are conservative, they can invest 60% of their assets in financial management, 30% in **, and 10% in **.

If the investor is **type, you can allocate 60%**, 20%**, and 10% financial management. 1.Wealth management refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Financial management includes corporate financial management, institutional financial management, personal financial management, and family financial management. Human existence, life and other activities are inseparable from the material foundation, and the material foundation is closely related to financial management. "Wealth management" is often used together with "investment and wealth management", because there is investment in wealth management, and there is wealth management in investment.

The so-called financial management is not only to invest financial resources, but also to be invested. If you don't know how to be invested, you don't know how to invest better. Second, the term "financial management" first appeared in the late 90s of the 20th century, according to the statistics of Wang Zhongyin Data Center.

With the expansion of China** and the bond market, the increase in wealth in commercial banking and retail business, and the increase in citizens' income, the concept of "wealth management" has gradually become popular. Personal wealth management can be broadly divided into personal assets and personal liabilities. Common**, **, bonds, deposits, life insurance, **, online loans, etc.

It is a personal asset. Whereas, personal home mortgages and personal consumption credit are personal liabilities. 3.

At present, the institutions that can provide financial services to customers in China mainly include banks, ** companies, investment companies, economic management companies, etc. 1.Bank Finance:

At present, the wealth management products provided by China's commercial banks are divided into three categories: principal-guaranteed fixed income products, principal-guaranteed floating income products, and non-principal-guaranteed floating income products. 2.

**Corporate Finance: **Wealth management generally includes**, **, commodities**, stock index**, foreign exchange**, etc. Individual or institutional investors can choose different financial tools according to their different needs and investment preferences.

3.Investment company financing: Investment company financing generally includes trusts, investments, jade, jewelry, diamonds, etc.

It requires a high initial capital and is suitable for high-end financial troublemakers.