It s better to do something with 1 million spare money

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.

Regardless of the bank, it is reassuring. Because the bank is under the management of the state, even if the bank goes bankrupt, there will be corresponding compensation.

There are five major state-owned banks. Industry and commerce, agriculture, construction, transportation, and the Bank of China are all state-owned banks, and they are all powerful, so it is reassuring to invest in any of them.

Several large state-owned banks should be okay, because after all, they are all state-owned enterprises, and their security is still relatively guaranteed.

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.

Conduct a risk assessment based on your risk tolerance and then make a reasonable product mix.

Here's just a most conservative way to put it together::

1.If you don't have the need for insurance protection, you can choose the pure wealth management insurance product without protection, choose which lifelong or long-term product to the age of one, 3 million is best divided into three or four chain answer policies, so that you can choose to surrender part of the policy at any time after ten years and eight years. However, here is a reminder, if it is universal insurance, it does not matter which insurance company's product you choose, if it is a participating insurance, it is recommended to choose Ping An, because the dividends of each insurance company are not paid dividends on a daily basis if they are surrendered within one year.

2.The 1 million that will only be used after two years will be saved for two years, because even the bank's RMB wealth management is risky.

3.The 1 million for pocket use can be divided into four parts, one can be used as a demand for three-month regular emergency use, one can be withdrawn at maturity for short-term RMB wealth management, one currency ** can be redeemed 2-3 working days in advance, and a seven-day notice deposit can be withdrawn at any time.

Of course, this is the most conservative way, if you want higher returns, you have to bear the corresponding high risk, for example, the current private lending is what we commonly call raising money, and the three-point and five-cent interest are ruined everywhere.

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.