If you have hundreds of thousands of deposits, how can you preserve and increase the value of your a

The purpose of capital preservation is to outperform the inflation rate.

The so-called value preservation means that the rate of return of funds is higher than the inflation rate, and the purpose of investment and financial management is to maintain and increase value. Then the preservation of value is measured in terms of the rate of inflation. Value preservation is the foundation, and value-added is the goal.

For example, if you invest 5% of your money, but the inflation rate is 6% that year, then your funds will shrink by 1% and you will not achieve the purpose of maintaining your value. If you get an annual yield of 7%, the value of the fund is not only preserved, but also increased by 1%.

Therefore, to achieve the purpose of value preservation, our basic goal is to make the yield of funds outperform the inflation rate.

Diversify risks through capital allocation, and win high returns with a small part of the funds, and you hold hundreds of thousands of funds. Then it is recommended that you choose to invest 80% of your funds in regular financial management and currency** separately according to the ratio of about 6:4 (can be adjusted independently).

It is recommended to choose regular wealth management products recommended by reliable institutions such as Alipay, JD Finance and Tencent Wealth Management. Before investing, it is necessary to consider the closed period of regular wealth management products, and pay attention to capital planning in advance. Then the yield of regular wealth management products is usually between 4% and 6%.

Needless to say, the characteristics of currency **, Yue Bao is one of the well-known representatives. In addition to the inability to consume payment and the quick transfer to a bank card on the same day, the other characteristics of other currency** products are exactly the same as Yuebao. The reason for choosing currency** investment is because of its high liquidity, which can be withdrawn one day in advance when you need it.

Usually the yield is between 3% and 5%.

The remaining 20% is key to outperforming inflation. You can choose what you are good at based on your familiarity with many financial products. Familiarity**on**, familiarity**, regular investment, etc.

In short, in any case, it is enough to combine the return rate of all funds as much as possible.

For example, let's say the annual inflation rate is 7%. You have 300,000 yuan in your hands, 80% of which is 240,000 yuan, and invest in regular financial management and currency** in a ratio of 5:5.

5% for regular wealth management products and 4% for currency** (all taken as the median value). Then the remaining 60,000 yuan must reach an annual rate of return of 17%. Only when the three parts of the funds are combined can they outperform the inflation rate and achieve the purpose of capital preservation.

I'll take out a portion to buy**, and another part to buy**and**. Keeping a part of the deposit can make the assets even more.

To do investment and wealth management, you can choose a wealth management product in the bank, or you can save a fixed term, so that you can increase your value. You can go and buy gold bars, save them, and you can keep their value.

If I have hundreds of thousands of deposits, I will directly put it in the bank to eat interest, because not only the value will be maintained but also appreciated, because now the real estate is in a recession, if the investment ** will be risky, there is no risk in the bank.

For some friends who have sufficient funds in their hands, the best way for them to preserve and increase the value of their wealth is to choose an investment product that suits them. <>

First of all, for the entire middle class in China at the moment.

In terms of family financial allocation, the main thing for our country is real estate, so for most of the middle-class families, with the country for the real estate industry.

In such a situation, it is certainly not a wise choice to concentrate a lot of wealth in the real estate sector, because the key is the overall macroeconomic situation for our country.

There has also been a certain slowdown in growth, so for most ordinary people, if they want to maintain and increase their wealth, they must choose a new track. <>

Secondly, for the financial markets of our country as a whole.

is in a thriving situation, whether it is the entire ** ticket market.

Or the corresponding bond market countries have launched a variety of policies to support and control the corresponding funds, at present, for most funds, some ordinary investors will also concentrate their own funds in the capital market.

For our country, with the continuous increase of corresponding supervision, the degree of standardization and specialization of the entire capital market is also constantly improving, so for friends with a large amount of funds, you can also consider the capital market. <>

At the same time, for our country, the direction of the country's future development will definitely be to vigorously support the capital market, because for the capital market, the overall development space of our country is still very large, and with the continuous improvement of China's internationalization, only by improving China's overall financial strength can it be in line with the entire international financial system and will not be affected by developed countries.

Therefore, it is also a better track for the entire financial market in the future, so for some investors, they can consider investing their own funds in the capital market.

If there is more money in hand, it should be maintained in this way: for the majority of wage earners, it is better to be conservative with hundreds of thousands, because the most inflation is the depreciation of assets, if the investment is risky, it is possible to lose all the capital, if investors have hundreds of thousands of cash in their hands, they can buy large certificates of deposit, and now the interest rate of large certificates of deposit for three years is about 4%; You can also invest in low-risk bank wealth management products to ensure that you can get more than 4% of the investment income, and the risk of its wealth management products is still low.

If you have a lot of money in hand and want to maintain or increase your value, you can buy some financial products or make some more popular investments.

If you want to maintain your value, you can invest in wealth management products, because wealth management products can preserve the value of your funds, and if you want to increase your value, you can invest in **and**.

In fact, you can choose to invest, or you can choose to buy** to get better profits.

1. Buy a house: The 1 million on hand can actually buy a house in full, but it is not recommended that you pay in full;

Second, the wealth chain products: the remaining 50% (about 250,000) to buy wealth management products, the annual income of the beam is about 5%, and now the imitation of the transport in the major banks almost have financial products, the long one year or two years, the short term may only be two or three months, are more cost-effective than the deposit bank.

3. Insurance: Life is like a ship, traveling in the vast sea, no one can expect that there will be any troubles and hidden dangers, and insurance is like a lifebuoy or other life-saving device in a cruise ship, therefore, the rest of the money recommends that you buy some commercial insurance, the cost is not high, your family is all twenty or thirty thousand a year, generally will pay for about 15 years, insurance is usually principal-protected, you can rest assured.

Fourth, ** and other high-risk investments: through the previous three aspects of asset allocation, you already have a solid foundation, plus your family's stable income, so, food and clothing are worry-free. If you want a higher return, you can buy some**and currency**, this suggestion is controlled within 100,000, even if it is a loss, it will not have much impact on life.

1.Rational investment: Clarify personal investment goals and risk tolerance, and carefully choose the right investment products.

2.Establish a budget: Keep your spending under control, make sure you have a monthly balance and create a long-term financial plan.

3.Savings plan: Set up an emergency** and plan for future big expenses.

4.Debt planning: Understand the personal debt situation and prioritize the repayment of high-interest debts.

5.Insurance awareness: understand all kinds of insurance and choose insurance products that are suitable for your own situation.

6.Tax planning: understand the tax policy and reduce the tax burden of individuals as much as possible.

7.Financial literacy: Continuously learn and improve financial knowledge and skills.

8.Risk management: Avoid blindly following trends, don't believe in high-yield promises, and pay attention to reasonable risk management.