What should 1 million spare money be invested in?

There are many channels where you can invest in 1 million, and I will list a few channels for you:

1. Bank fixed deposits.

At present, 1 million fixed deposits, large banks can get about an annualized interest rate for 3 years.

The interest rate of 1 million yuan a year is about 38,500 yuan, the interest rate of a small bank for 3 years is about 45,000 yuan, and the interest rate of 1 million yuan a year is about 45,000 yuan.

The advantage of fixed deposit is that it has high security, guaranteed principal and interest, and almost no risk, but the disadvantage is that the liquidity is too poor, and early withdrawal can only obtain current interest.

2. Bank wealth management.

Current bank wealth management products.

There are all kinds of annualized returns ranging from 3% to 10%, the higher the return, the greater the risk, it is recommended that you choose about 6% of the low-risk financial products, so that the income of 1 million 1 year is about 60,000 yuan, but be careful of insurance financial management.

3. Currency**.

At present, there are many currencies in the market to choose from**, such as Yue Bao.

Wealth Management, Jingdong Small Treasury.

At present, the change income of the currency ** is about the same, and there has been a large decline compared with before, but the advantage is that it is deposited and withdrawn, the liquidity is very good, and the income is much higher than that of the bank demand.

4. Trust. You have 1 million in cash, and if your personal assets are more than 3 million, you are eligible to buy trust products.

At present, the annualized income of trust products is about 9%, and 1 million can get about 90,000 income a year, but it should be noted that the current real estate trust is risky, and it is recommended not to buy such trusts.

5. ** products.

Based on the current **** is not very good, it is not recommended that you buy**type**, you can buy some pension **, for example, there are several pension ** on Alipay, the change income is about 4%, and 1 million can get about 40,000 a year.

Finally, there is a contradiction in financial management that the risk of high returns is also high, and the returns of low risks are also very low, so in order to take into account security and profitability, after combining the above investment methods, I recommend that you buy a trust, and you should consider it yourself.

If you have abundant funds and dare to take risks, you can choose**, the benefits are fast but the risks are also high. If you want to stabilize your finances, you can choose security measures such as **, bank interest, and government bonds.

My suggestion is to allocate assets separately, 300,000 for the down payment of the house, 100,000 for the early mortgage, and 200,000 of the remaining 600,000 for bank interest, 200,000 for **, 100,000 for **, and 100,000 for cash flow.

I think I can take 200,000 yuan out to make financial products, I can take 30 yuan out to invest**, and I can take out 500,000 yuan to make the store I like to open.

If you have 1 million dollars to spare, I certainly recommend you to venture into a venture. You may be more confused, because young people who are just starting to start a business have no experience in investment, and then they will waste a lot of time to learn on their own. For example, in the "super cool business" I recently watched, the Haiyou Hotel can be opened for 1 million, and the professionals of the Haiyou Hotel will make an analysis report according to different properties, and the return on investment.

Calculate it clearly! If we can get together a little more, let's take 1.8 million to calculate the return on investment, find an 800m2 property, and open 32 rooms:

32 rooms 95% occupancy rate 170 yuan 365 days 1.9 million yuan.

Total turnover. Approximately 1.9 million years - rental costs, 300,000 years - operating costs.

600,000 years = 1,000,000 yuan.

1,800,000 yuan 1,000,000 yuan a year 2 years (less than two years to pay back) Haiyou Hotel's professionals will issue an analysis report according to different properties, and the return on investment will be calculated clearly! Haiyou Hotel Project, a chain brand hotel that can be opened in 800, with a large number of properties for you to choose from; The decoration investment is low, the comprehensive operating cost is low, and the hotel can be opened with 1 million +; Huazhu Group.

Supported by 100 million member traffic, stable revenue and fast return. Professional people help you open a store, saving you worry and effort.

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 visit our branches to consult the relevant advice of the wealth manager.

If you have ambitions, let me tell you another investment method, and that is to invest in the already notorious P2P platform, I have worked on this kind of platform before, and there are local tyrants who have invested millions of millions. As for the risk coefficient, as far as my more than three years of P2P investment experience is concerned, the situation will be much better if the online lending platform is one of the best, with a state-owned or banking background, and a large platform with bank depository. The type of platform I chose generally paid on time and there were almost no defaults.

As for the income, conservatively speaking, it is twice that of Yue Bao, which is more than 60,000. In addition, if you have 10 million, you can invest in real estate, in addition to commercial housing, it is also a good choice to invest in shops and faces. You can also choose to invest in high-quality companies, or start a business directly.

With a large amount of money like 10 million, you can do a lot of things. If you invest it, you can get a lot of returns. Here are some of the most popular industries that can achieve higher profits.

The first is agriculture, although in the past few decades the agricultural economy has been slow. However, since the reform of land ownership in rural areas has been proposed, the reform of management rights. The agrarian economy was on fire.

Nowadays, people living in the hustle and bustle of the city want to find a quiet place to relax. Therefore, you can open some farmhouses and planting tourism in the suburbs, not only from the planting industry, but also from the additional income of accommodation, food and other additional income, which is also very considerable. Moreover, it can not only bring benefits to itself, but also expand the planting range, and make the environment better.

It also allows people living in the city to have a comfortable place to go on weekends.

500,000 bank cash treasure wealth management products, similar to Alipay's balance and balance treasure, interest is calculated on a daily basis, and access can be made at any time. It is characterized by being very flexible and has a good income, which can be used for emergencies. 5 million, invest in a shop in the middle and upper part of the local provincial capital, collect rent and appreciate.

Hold it for a long time and don't sell it easily. 500,000 yuan to buy commercial insurance for yourself and your family, and consult an insurance consultant for details. 3 million investment** (2700 points below the entry), 2 million**SSE 50 ETF, 1 million** ChiNext ETF, do not earn more than 1 times and do not sell, three years later.

1 million ****, long-term holding, the rise and fall cycle of ** is very long, and now it is suspected that it has been transferred to the ** cycle, at least 5 years later, see the results.

Cash planning, cash planning here refers to the money you may need in the short term, such as daily expenses, food, clothing, housing and other living expenses. Under normal circumstances, I suggest that 10% of the assets should be retained in the cash account, and 10% of 10 million is 1 million, which you may think is a bit much, but in fact, for a multimillionaire, the quality of life must be relatively high, and it is reasonable to keep 1 million living expenses. This kind of short-term consumption is generally placed in the current account of the bank, and it can also be in the form of currency, in fact, Yue Bao is very good, flexible and stable, and there is a certain income!

This investment mainly depends on your heart of income is overdue. If you have low expectations in mind, there are many ways to invest. If there is 10 million, then we must put this 10 million in the bank to make wealth management products, before buying wealth management products, we must first understand what its prospects are, or it is okay to invest this money in a company.

I will first buy an insurance for everyone in my family, for life, with a budget of 2 million, and then 5 million to buy two houses, one for self-occupation and one for rent, then 1 million to study abroad, and then 1 million to travel the world, and finally settle in a favorite city, find a job I like, work slowly, enjoy life slowly, and invest the last 1 million in a national chain restaurant.

If it were me, I would leave 5 million to buy insurance, mainly with annuity insurance. The remaining 2 million are invested in stable financial management, such as high-quality split disks, mainstream digital currencies, etc. The rest is a transaction that can be used as a riskier allocation such as **, options, etc., as well as liquidity.

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. Deposit is a necessary part, save 100,000 fixed deposits, deposit in several passbooks, and can be used in case of emergency, and do not lose all the regular interest because of the use of part of the money;

2. Insurance is also an indispensable part of the family, but I only buy health insurance, and accident insurance, although there is no liquid rock dividend, but I think this is the most suitable, as for pension and dividend insurance, I think the income after decades I think is unreliable, think about China's inflation. Serious illness insurance is 150,000 yuan for one person and 300,000 yuan for accidents. 20,000 in the annual trouble;

Wanmai fixed income products, banks' wealth management products (about 6% annual income) or Paceson TOT trusts (about 8% income);

4. The rest of the money is invested in risky investments, such as **,**, etc., as for **,**, foreign exchange, spot and other financial derivatives trading, I do not recommend investing.

1. Bank deposits.

When it comes to financial management, then bank deposits are products that must be taken into account, the idle funds, and the amount is 1 million yuan, which exceeds the threshold of large bank certificates of deposit, so it is a good choice to buy large certificates of deposit, many people hesitate to buy bank deposits for two reasons, one is the liquidity of funds, worried that the follow-up will continue to use money to advance in advance, and the second is that the interest rate of bank deposits is not high.

However, the subject's situation just avoids these two points, the interest rate of large certificates of deposit has reached between 4% and 5%, and the interest rate varies between banks, generally speaking, the interest rate of small and medium-sized banks is higher than that of the four major banks. This interest rate has been the same as some financial products on the market, the second is the turnover of funds, the subject's funds are idle, then there is no need to worry about this problem, in addition, large certificates of deposit also support early withdrawal, and it is based on the file to calculate interest, will not cause a great loss to the interest.

2. Bank wealth management products.

The bank's wealth management products are relatively more stable than the wealth management products of other financial institutions, after all, the risk of bank wealth management products has always existed, but it is no longer borne by the bank after breaking the rigid payment, but the actual risk has not changed, but the bearer has changed. What's more, the bank's wealth management products are divided into five risk levels, and you can choose according to your own situation. In addition, the liquidity of bank wealth management is higher than that of ordinary bank deposits, and the yield is higher.

Investments with a shorter time period.

3. Principal-protected structured deposits.

Principal-protected structured deposit refers to the nesting of derivative financial products on the basis of ordinary deposits, and its funds are divided into two parts, one part is invested in regular capital protection, and the other part is invested in financial derivatives to obtain high returns; It is still under the category of bank deposits, so it can be principal-protected, and its expected return is slightly higher than that of bank wealth management products, but the return is also volatile.

Fourth, ** financial management.

When you pursue relatively high returns, but your financial knowledge is relatively limited, you can choose to invest regularly, you only need to choose well, and increase your position regularly. Generally speaking, you can choose indices**, such as CSI 300 and CSI 50, and you can choose the consumer sector as well as new energy technology and ChiNext. The future development trend of these three sectors is good.

5. Bond Investment.

The representative of bond investment is Treasury bonds, which do not charge interest tax, and have a high degree of creditworthiness and will not cause default, so the safety of Treasury bonds is also very high.

In summary, the above types of investments can be selected according to their own financial needs, and they can also be allocated with funds, and then matched with investment, which is more stable.