I have 400,000 yuan in savings and I won t buy a house in three or five years, how to manage my mone

Then you can invest your deposit of 400,000 yuan in different areas. Take 200,000 yuan as a fixed deposit, take 50,000 yuan to buy **, take 50,000 yuan to buy bonds, and take 100,000 yuan to invest in chain stores.

You can take part of the money to open a physical store, and the second is that you can put it in the bank to buy his financial products, and the income is also good, remember not to invest all your money in one project.

If you want to be stable, go to Alipay to choose a potential ** regular investment, or directly deposit into Yuebao Wealth Management, or consult professionals.

If you want to make millions, you may lose all of them in less than a day (**), and if you want to earn hundreds of thousands, you may lose half of them in less than half a year (**)!

400,000 deposits, for ordinary families, is a lot of assets, but from the perspective of investment and financial management, it is a medium to lower condition, at this time it is necessary to make a trade-off between the two demands of value preservation and making money. Considering that there is no intention to buy a house in only three or five years, it means that the property may be repurchased after three or five years, so this money needs to develop a financial plan that does not exceed this period.

First of all, as a relatively strong value preservation of financial products, it is still an ideal choice for ordinary families, with 400,000 deposits, if there is no high expectation of the rate of return on financial investment, it can be used to buy similar financial products; Of course, treasury bonds, large-amount certificates of deposit, and private bank deposits are all worthy of attention in the wealth management market, especially treasury bonds, if you choose a three-year product, you can not only get a stable interest of 4%, but also will not have a substantial impact on the subsequent financial investment, which can also be achieved in the large-amount certificate of deposit business, and the interest income of private bank deposits is relatively high.

Secondly, if you want to use 400,000 deposits to create higher returns in three or five years, the direction of financial management needs to be adjusted, such as through a reliable middleman, looking for entrepreneurial projects with good market prospects, and using this money to invest in shares, once the project runs successfully and creates considerable income, then the value generated by 400,000 wealth management will far exceed the value of financial products such as ** and treasury bonds. It should be noted that high returns and high risks often complement each other, and if the investment project does not achieve the expected results, then not only will the expected return target not be achieved, but even face the risk of not being able to recover the investment funds.

Finally, no matter what type of financial management method you choose, you should set aside a part of the deposit for the sake of safety, in short, you can use 350,000 or even 300,000 investment, and the reserved money can be used for emergency or time deposits, which is also a key condition that can not be ignored to reduce the probability of loss. In fact, the advantages and disadvantages of different financial management methods are obvious to all, and as a fund holder, you should flexibly adjust your financial management strategy based on the market dynamics you understand.

You can buy treasury bonds, which are safe and stable, with a principal of 400,000 yuan and an annual income of 10,000 yuan, or a large certificate of deposit, and the interest rate for three years can reach 4%, which is as high as treasury bonds.

At this time, you must buy the bank's wealth management products, because this kind of wealth management products have a certain interest and will not have too much risk.

You can go to the bank to deposit a fixed term, you can also buy some wealth management products, you can also buy **, you can also buy treasury bonds.

If you don't have a house at present, with a huge amount of money in hand, then I think it is better to pay the down payment first, and it is more practical to buy a house, although there have always been rumors that the house price is high, and the house price is going to fall, but in the end what is waiting for is the full amount into a down payment, and the down payment into a garage. So if you don't have a house, buy a house first, don't listen to the people around you about to drop the price, don't buy.

You can see if the people who persuaded you, if they have the conditions, have all bought them? Take a realistic case: a colleague of mine began to look at the house in 2015, during which he heard colleagues on the Internet and around him say that the house price is going to fall, the house price is going to fall, and then wait and see, and the result is that he got married this year and had to buy a house, and the house price at this time has doubled compared with 2015.

If you already have a house, three or four hundred thousand yuan do not want to buy a house, if you want to manage your finances, the key depends on your personal choice, for individuals, my suggestion is that most of the funds (such as 300,000 yuan) choose large certificates of deposit, the interest rate of large certificates of deposit is higher than the traditional period, generally more than 4% for three years, common in local banks and, this interest rate level or will be slightly lower than financial products, but large certificates of deposit have no risk, it is a general nature of deposits, protected by the "Deposit Insurance Regulations", In addition, large-denomination certificates of deposit have strong liquidity.

You can withdraw it in advance at any time, and the interest at the time of withdrawal is calculated according to the way of calculating interest by file, rather than calculating interest on demand on a regular basis as in the past, so the large-amount certificate of deposit is both profitable and liquid, and the term just matches the three or five years you require.

The remaining 100,000 yuan, you can appropriately invest in some low- and medium-risk products with higher returns, such as bank R3 level wealth management products (take income) or bank open wealth management products (similar to currency**, which can be withdrawn at any time, the yield is higher than that of currency**, and it is generally around at present) or you can try to make **regular investment, which is held for a long time**Regular investment** is basically profitable, and the yield will not be too low.

It is not recommended that you **or speculate**, mainly because the risk is too high, and now in this society, it is not easy to make money, **fortunately, at least do not sell, you are only a nominal loss, but speculation**, options, **these, although the yield is extremely high, it is very likely to be PC off, which is a real loss.

Summary: If it is not a special family, then the funds of three or four hundred thousand yuan are a lot of money for everyone, and it is the result of many people's struggle for decades, so don't blindly pursue high-yield investment, and focus on safety.

You can make a financial plan yourself, take out part of the money as a deposit, and the other part of the money can be purchased**. In this way, your wealth will benefit.

Of course, if you don't want to be too risky, you can choose to invest a large amount of money in low-risk financial products, and invest a small part in these**or**, which can not only reduce losses, but also have the possibility of higher returns.

If you don't consider buying a house in three to five years, it can also show that you have a thorough view of the current economy and the future direction of real estate. Then you have a deposit of 400,000 yuan, how to manage money or according to your own personal risk tolerance to decide, after all, different investment varieties are different risks, you need to consider the best.

It is wiser not to invest in a house now, the current house is really not suitable for investment, and I would rather invest your 400,000 yuan in others, so let's talk about how you should manage your 400,000 yuan?

I personally have two financial plans based on your 400,000 points, one is cautious and the other is positive.

(1) Prudent financial management plan

Divide your 400,000 into 3 parts, one is 200,000, one is 100,000, and the other is 100,000.

200,000 yuan can be deposited in private banks for five years of large-amount certificates of deposit, and the annual interest rate of large-amount certificates of deposit of private banks is more than 5%, and the higher ones are reached, so the 200,000 yuan has an interest income of 10,000 yuan per year, which is zero-risk and is also used as your real estate. <>

100,000 yuan deposit in private bank intelligent deposit, more than one year can reach 4%, three years and five years can be reached, the 100,000 yuan deposit intelligent deposit has more than 4,000 yuan of interest per year, this fund is mainly considered emergency, the 100,000 yuan can be withdrawn at any time, liquidity is particularly strong.

100,000 is the purchase of wealth management products, as for what wealth management products to buy up to you, now major financial institutions have their own self-operated wealth management products. You can choose medium risk, with an annual rate of return of about 6%, with an annual income of 6,000 yuan, with relatively low risk and high return.

(2) Proactive financial management plan

Your 400,000 yuan is divided into 2 equal parts, 200,000 yuan each, and 200,000 yuan each goes into medium and high-risk investments to pursue high-yield financial management. <>

Among them, 200,000 yuan is used to buy wealth management products, of course, wealth management products can be bought with medium and high risk, but it is recommended to choose medium risk as much as possible, with an annual rate of return between 6% and 8%. For example, bank wealth management products, insurance wealth management products, trust wealth management products, ** wealth management products and so on.

Another 200,000 yuan can be used to invest**, of course** is high-risk and high-return, in order to reduce your ** risk to get high returns, you buy a state-owned bank stock for 100,000 yuan, long-term holding and other dividends, and there is also the income brought by the stock price. The other 100,000 will be allocated according to your personal style, whether it is an ultra-short or mid-line band, and you can choose the best operation method by yourself. <>

These two financial management plans, I am based on the financial management method you gave 400,000 yuan, and at the same time, I have considered the risk, the return, and the liquidity of funds. You can choose an investment and financial management plan according to your own specific situation.

50% of the money is used to buy bond**, 20% is used to buy hybrid**, and the rest of the money is used to buy** is the most suitable.

Buy**. **is the most able to retain value, can be purchased**.

200,000 yuan to buy**, 100,000 yuan to buy fixed wealth management products, and 50,000 yuan to buy insurance. The remaining 50,000 can be placed in the card or the balance treasure to prevent emergency needs.

Finally, we can also try to go to the bank to buy some financial products, the risk of this part of the financial products is not particularly large, but as long as it is a financial product, there will be some risks more or less, but when we do financial management, the risk and return are proportional, so it depends on how you choose. When doing financial management, don't put your eggs in one basket, that is to say, when we buy financial products, we can buy as many products as possible, so that even if one or two of them are lost, then we will not lose too much overall.

You can find a more reliable and safe financial project for financial management, and you must handle it in a regular bank.

You can choose to deposit 400,000 yuan in the bank and save it for three years. It is also possible to get some interest.

You can put this money in the bank's wealth management products, which will be more secure, after all, you don't know how to manage other money.

If you have so much money in your hand, it is best to deposit it in the bank for interest, which is still relatively safe and reliable, because there are risks in many financial management nowadays, so don't invest indiscriminately.

If you don't want to buy a house and want to manage your finances, then you can consult the relevant financial institutions, and then consult specifically to see what good financial management methods there are.