Now I have about 300,000 spare money in my hand, so I would like to ask you how to manage your finan

It is very important to choose a formal platform for personal finance, so as to obtain peace of mind and better protect the safety of funds. Du Xiaoman financial management is the original financial management, Du Xiaoman financial management.

It is a professional wealth management platform under Du Xiaoman Finance (formerly Finance), providing diversified wealth management products such as investment, current wealth management and bank regular wealth management. Du Xiaoman Wealth Management helps users to 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.

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At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you open the homepage of China Merchants Bank and click **Customer Service for further consultation.

Can you lend it to me? The interest rate is definitely higher than if you buy a wealth management!

Blockbuster: With a deposit of 300,000 yuan in hand after retirement, how to manage the most suitable money? Let's find out.

To be on the safe side, invest your funds separately, don't covet high yields, and don't concentrate on one platform. It is recommended to take a look at the bank's wealth management products and Rongtong Huixin's principal and interest guaranteed wealth management products.

At present, China Merchants Bank has many ways of personal investment and financial management. Such as: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

Each product has different risk levels, minimum purchase amounts and yields. You can choose the financial product that suits you according to your investment preferences, risk tolerance, liquidity, etc.

If you have investment and financial needs, you can go to China Merchants Bank outlets to consult the wealth manager for relevant advice.

If you are a steady investor, or insist on the safety of the principal first, it is recommended that you buy bank wealth management, worry-free, according to the current average annual interest rate of bank wealth management, your 300,000 yuan a year interest is, 300,000%.

13500 (yuan).

This yield is still good.

It also depends on your income and age, if your income is stable and your age is not more than 50 years old, you can divide the 300,000 into three parts, 100,000 to buy bank management, 100,000 to buy**, 100,000 to buy**. It is not advisable to buy a house, because it appreciates in small places and does not have enough down payment in big cities.

It is recommended to deposit 100,000 to 150,000 yuan in the bank for a fixed term, 100,000 to 150,000 yuan ** type of wealth management such as Yu Yu Bao, and 3 to 50,000 yuan to keep it available at any time.

If you want to choose low-risk financial management, you can choose a large bank certificate of deposit, and the interest rate is higher than that of a fixed deposit. Medium and low risk include bank creditor's rights, currency**, etc.

Recruit a few excellent work-study college students, rent a house of 200 square meters, open a homework tutorial class, make sure you don't lose money, it's much more stable than investment, **, or something.

If you are not in a hurry to spend money is idle, it is recommended that you go to a place with mountains and rivers to contract land or buy a dwelling

Investment is risky, and financial management needs to be cautious. The rewards of high risk are also high. Low risk is also less reward.

If you don't have professional financial knowledge. You can choose some relatively stable financial products. For example, currency**.

Insurance products have more than 10,000 income a year.

Answer, I have 300,000 yuan on hand, and I am ready to invest 200,000 yuan to open a store, and 100,000 yuan to borrow usurious goods.

See how long you can have without using the money. If you have a few years, you can invest in buying points**.

Currency** buy 50,000 yuan, such as depositing Yue Bao, like a demand deposit, you can get the interest of the time deposit.

The remaining 250,000 can choose a long cycle**, with low risk tolerance, and if you can't lose money, you can choose bonds**, the yield is higher than the currency**, and the risk is very low.

If you can tolerate some risk, you can choose a little ****-index**, such as 300 index**, or 50 index**. If you use dim sum, you can also choose the industry** - such as alcohol, consumption, **.

100,000 in the bank, 100,000 to buy ****, 50,000 to buy insurance. 50,000 investment and financial management.

Save for 3-6 months of living expenses;

Save a year's fixed expenses: annual insurance premium payment, etc.;

Prepare some cash for emergencies, the amount depends on you.

The rest of the money is used for financial investment, and spend 1,000 yuan to buy a professional financial management course (if you don't know how to touch it, it's right to learn first): learn the difference between depositing in the bank, investing **, and investing **, and invest according to your own risk ability.

If you invest an amount of 200,000 yuan, you will have plenty of funds.

**Fixed investment of 12% annualized return, convertible bonds and eat some chicken thighs, steady appreciation is good.

1.Take the initiative to invest in small businesses.

2.Lend out, someone uses your money and gives you interest.

300,000, wash and sleep.

Forget about managing your finances.

All the ups and downs have nothing to do with you, it's better to do some business.

The difference between time deposits and structured deposits is that time deposits can be withdrawn in advance, while structured deposits cannot, and can only wait for maturity, so this part of the funds is best divided into two parts: long-term non-use and uncertain use date. The advantage of structured deposits is that the yield is higher than that of time deposits, and the minimum return is also higher than that of time deposits. The remaining part, you can see your risk tolerance, if it is more stable, then you can use 20% of the funds to buy other financial products of the bank, it should be noted here, it must be the bank's own financial management, do not buy consignment products, the remaining money can buy monetary funds, just like the kind of Yue Bao, this risk is low, and you can withdraw it with you.

If your risk tolerance is high, you can try**.

Everyone expressed their opinions and brainstormed, I synthesized 50,000 banks, bought 50,000 bank financial management, 50,000 lump sum payment of education insurance, 50,000 lump sum payment of critical illness insurance, 50,000 current reserves, 50,000 treasury bonds, if you don't understand, you can open ** or physical stores.

1. Take 10-150,000 yuan and deposit it in the bank to ensure the family's cash flow; 50,000 investment in low-risk platforms: 100,000 investment in high-risk platforms.

2.Low-risk category: fixed assets or, anti-inflation can maintain and increase value, and bonds and low-risk varieties, as well as spot agricultural products.

3.High-risk category: represented by **, **.

Focus on the spot investment platform, low risk, two-way operation, two-way profit. You can make a long profit (buy at a low position to open a position when you are bullish, sell at a high position to close a position), and you can also make a profit by selling short at a low position (sell at a high position to open a position when you are bearish, and close a position at a low position). Therefore, as long as you do it in the right direction, you can make money regardless of the ups and downs.

The investment threshold is low, leveraged trading is T+0, and a daily rate of return can be achieved by doing a good job of thousands of dollars. 20% margin system, small to big. And there is a night market, which can meet the willingness of office workers to make money at night.

Flexible operation, more suitable for ** investors.

Any financial investment has risks, and it is impractical to invest only about returns and not risks. And the safety of funds at any time is the most important, only by reducing the risk as much as possible and extending the return as much as possible, can we make steady profits. You can communicate with each other.

To be on the safe side, the advice to you from a professional point of view is to divide your existing funds into four pieces.

The first piece is the family spare cash, which is about 5w. It is mainly used in family life in case of emergency.

The second block is a stable financial management fund, 10w. It is mainly used for some stable wealth management products launched by banks, which can have a relatively high interest rate under the condition of guaranteeing the principal.

The third block is commercial wealth management funds, 10w. Mainly used for business investment, now it is not easy for business to make huge investment, especially for inexperienced people, but from the other side there is a fear of losing opportunities, so you can use this than money to find a better project, start small, and other funds can be transferred after familiarization.

The fourth block is investment and wealth management funds, 5w. It is mainly used for investment products with relatively large returns (such as **, etc.), of course, there must be risks in this. However, investment is an essential part of the fight against inflation and household income generation.

The above four combinations, I believe should be helpful to you. Of course, you can also choose one of the products to invest in, and in the end, it depends on your own choice. If you have any questions, you can contact me again.

Hello friends.

We manage our finances according to the theory of 1:1:1 to manage our finances, the first 1 to solve their daily expenses of food, clothing, housing and transportation, the second 1 can make fixed deposits, and the third 1 can consider investment and financial management.

First of all, it is necessary to clarify the purpose of financial management. That is, how to achieve a goal and result of financial management.

Secondly, given the financial conditions, such as the financial cycle, available funds, expected return value, and so on.

Third, according to the current economic conditions, individuals have simply combined: deposit + insurance + low-risk return wealth management products.

Deposit is a prerequisite in any case, but also a necessary condition, without deposit, it basically does not have the basis for investment and financial management. Insurance is an appropriate investment, mainly focusing on insurance protection, and the benefits are secondary, and the main purpose is to prevent damage caused by possible events in the future.

No matter what investment is risky, what we need to do is to control the risk, reduce the risk, and obtain greater benefits.

To make an investment, you must start with a small amount of money and gradually make a profit.

If you are interested, you can communicate with me and provide you with professional technical guidance.

If you don't want to have too much risk, you still buy bank products, and some financial institutions' wealth management products have an annual return of more than 12%, which is still quite impressive.

It is generally difficult to say specifically if you ask like this, and the first thing to do financial management is to clarify the purpose of your financial management, risk appetite, length of time, etc.

The plan is as follows:

1. First of all, set aside the reserve fund combined with your income is about 10,000 yuan as a reserve, which can be used to buy currency, which can be fully utilized, and the currency has good liquidity and can be reasonably used for a short redemption time. (The interest rate is greater than that of demand deposits).

2. You can buy several ** including ** hybrid bond ** by the investment ratio of 50%** 40% hybrid** 10% bond ** (first understand the type, according to the plan to allocate funds in a timely manner!) Proper management can increase your wealth, save for a wedding or a down payment on a house).

10% parents.

10% saved.

10% of entertainment expenses.

20% family.

20% industrial.

30% investment.

OK, welcome to BAMENG Wealth Management, a professional financial management service organization, to create an annualized wealth income of 15%-38% for you!

Compared with physical goods and paper, the participation threshold is lower, and it is more convenient to buy and sell. It is specifically invested in ** or ** derivative trading varieties**. Managed by an investment committee composed of experts, the investment risk is less and the return is relatively stable, which has the same characteristics as the **investment** we are familiar with.

Investing in **** is less risky than directly owning **, especially when inflation and currency depreciation and ** market is optimistic, gold mining companies make money, and investors can therefore distribute dividends. In addition, ** diversify the investment in gold mining companies in various countries, which is not possible for individuals to directly own. Therefore, this kind of ** is especially suitable for investors when it comes to inflation.

For ordinary investors, allocating a certain proportion of ** assets is conducive to resisting inflation, because in the long run, its value preservation and appreciation functions are very obvious.

Valet account**, annual income of more than four times, or fifteen times of income, there are transaction records, in my space.

You can be a **foreign exchange** trader. The funds are sufficient, and the treatment is absolutely generous.

Entering the market**, bank stocks with low price-earnings ratios, holding them for a long time and waiting for appreciation.

The hottest thing in the market right now is collectibles. Such as numismatic collections.

In the case of economic inflation, first of all, you should try to ensure that the principal does not shrink, and then think about investment.

In an environment like the current one, you need to do something to avoid risk. Of course, for now, ** is still the best hedging product. No matter how the society develops, there will always be people who recognize it. Paper money, it's hard to say.

When the CPI continues to rise, the money deposited in the bank has to depreciate.

But commodities will never be like money. So, investing in commodities is a good choice. Moreover, commodity investment is also a very hot development prospect now, even higher than **** these things. Consider understanding what to do.

Deposit it in the bank and stand still.

You want to invest a little more aggressively. May be considered**.

I bought it before it fell sharply. Buy PetroChina or China Merchants Bank. Fall to the previous low to buy. Buy only half**. **Ten percent is out.