If you had 10 million spare money, how would you invest and manage your finances?

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.

I am more cautious in doing things, so I will choose to diversify my investment. At least 30% will be deposited in the bank as a standby fund; About 20% are venture capital; The rest may choose to invest in real estate.

30w bank wealth management.

20w venture capital (forex **, etc.).

50w investment industry.

I will use 5,000 yuan of this 10,000 yuanYue BaoInvest, put another 5,000 yuan for ** investment.

To some extent, 10,000 yuan of spare money is not a lot of money, which means that it is difficult for us to get an excess return on investment through 10,000 yuan. There is no threshold for the amount of investment itself, and when a person has a dollar, the person can complete the investment to a certain extent by saving cash. It is for this reason that I think you need to understand your actual needs and allocate your $10,000 according to your needs.

1. 10,000 yuan can also be carried outAsset allocation

There is no threshold for asset allocation, I don't know what your age and capital background is, if you can get 10,000 yuan in cash savings every month, you have basically reached the basic threshold of investment. If you only have 10,000 yuan in cash, there is no guarantee of subsequent cash flow.

Because we can now make the right asset allocation, you can further increase your investment start-up capital in this way. <>

Second, I will use 5,000 yuan of 10,000 yuan for Yu'e Bao investment.

Although 10,000 yuan is not a lot of money, we can't use all 10,000 yuan on venture capital, because this behavior is likely to lead to significant losses. For me personally, my tolerance for risk is relatively low, so I will use 5,000 yuan of 10,000 yuan for Yu'e Bao investment, and get an annualized return on investment in this way. <>

Third, I will use another 5,000 yuan for ** configuration.

There are many types and schemes of configuration, and everyone can choose different products according to their needs. For me personally, I would put 5,000 yuan into investing in industry indexes**.

and the index, I will focus on the CSI 300

and SSE 50. I will share my investment risk through an appropriate combination, and control the annualized rate of return at about 10%, with an annualized maximum drawdown rate.

Control within 30%. <>

I will deposit part of the money in the bank, deposit it at the death date, transfer the other part of the money to Alipay, and buy some ** and buy some financial products with less risk, so that you can maximize your returns.

Buy wealth management products of insurance companies, buy some wealth management products in the bank, do some investments, buy **, do business, and deposit time in the bank.

First of all, we must ensure safety, and then look at our own needs, which aspect to choose, that is, time, amount.

You can buy the bank's service area wealth management products.

For financial management, we should not concentrate on a certain project, but learn to diversify investment and financial management, so as to avoid risks.

For financial management, real estate, especially stores, must be a focus of investment and financial management. Without further ado, half of the funds of five million are used to invest in property.

10,000 for financial management, then, draw 1 million for ** investment. **Investment is an offensive investment, there are opportunities, and there are risks in the world.

10,000 for financial management, and 1 million for the purchase of treasury bills. Treasury bills, as bonds issued by the state, are safe and secure.

10,000 for financial management, with 1 million purchases** for storage. You know, as hard currency, once there is any crisis, it can be said to be soaring.

10,000,000 for financial management, with 1 million to buy insurance that can get dividends and can be cashed out at any time. Ensuring maneuver with money.

10,000 for wealth management, with 1 million to buy the bank's wealth management products. Of course, when buying a bank's wealth management product, you should buy a wealth management product that can be realized at any time.