With 20,000 yuan of spare money, what should be done to make money profitable?

Liquidity of 1000---5000 can earn 10 yuan - 50 yuan per day.

To maximize financial returns, you need to:

1. First of all, it is necessary to make it clear that the funds for financial management are not your own living expenses. In other words, wealth management funds do not need to be used in the short term, and belong to their own deposits and balances.

2. The purpose of financial management is to preserve and increase the value of assets, at least to outperform inflation. Therefore, financial management should still focus on stability, and should not pursue excessive returns one-sidedly.

3. Personal financial management habits are to implement the weight of financial assets according to 1:2:3:4, so as to avoid putting eggs in one basket, which can reduce risks and increase returns.

4. 40% of the wealth management funds will be used for fixed deposits, which can be selected from banks with higher deposit interest rates for fixed deposits. The risk is small, and the return is also higher than that of the current account, and the main thing is safety.

5. 30% of the wealth management funds will be used for wealth management, the risk of wealth management is higher than that of bank deposits, and the risk is relatively small, and the principal will not be lost.

6. Use 20% of the wealth management funds for medium and high-risk ** or bonds. This type of risk is higher than the above two, and the return is also higher than the above two, and there is a possibility of loss of principal.

7. Use 10% of the wealth management funds for **. **The risk is the highest, the volatility is high, but the returns are also very impressive.

Wealth management refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Financial management, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

10,000 yuan, you can buy ** (Yue Bao), a few cents a day; You can buy index** and earn a few dollars a day; You can buy convertible bonds to make new ones, and your income will double in less than a year; You can buy Hong Kong stocks for new listings, and you can earn thousands of Hong Kong dollars a month. Buying Yu'e Bao is low-risk and low-return, and buying convertible bonds is low-risk and high-return, find a suitable way to invest and make money.

It is recommended to deposit 10,000 yuan of spare money in the bank, and the principal is guaranteed with interest, but the interest is relatively small. You can choose Alipay or WeChat. There is also the need to buy**, but ** is risky and not necessarily principal-preserving. You can take part of the money to improve your ability and earn more than 10,000 yuan.

You can use it to buy currencies such as Yue Bao**, and the income for that year is around 450. Even if you increase the risk level and do some P2P financial management, it will be an annual income of 1 2,000 yuan

Rest assured that the amount is not very large, and when you earn 50,000 yuan, when it is enough to buy wealth management products, you can buy wealth management products.