How much can you earn in a year with 5 million financial management

If you want to seek stability, you can choose conservative financial management, and if you have 5 million cash, you can get 200,000 yuan of interest every year. Of course, if you want to get more income, but the ability to resist risks is average, you can choose a large deposit from 3 years onwards, with interest calculated on a monthly basis, if the annual interest rate.

For, by calculating we know that you have a profit of 10,000 per month. If you like high yield, but also have a certain ability to resist risks, you can do a 2-year non-guaranteed floating income, also calculated on a monthly basis, according to the expected rate of return of 5%, the monthly income is about 20,000 yuan.

Time deposit. People who choose a fixed deposit will generally choose a 3-year deposit date, according to the interest rate, the principal is 5 million, and the interest on the deposit for one year is equal to 137,500 yuan.

Large Deposits: Large Certificates of Deposit.

The upper limit of interest is 5,000,000 yuan; And to bank wealth management products.

5% annualized rate of return.

If you calculate, 5000000 5% = 5000000 yuan; At the same time, it is considered that because the current bank wealth management is no longer guaranteed principal and interest, it is a structured deposit.

And currency ** products have become a better choice, and the annual income can reach 4%, so calculated, the income is 200,000 yuan.

Extended information: 1. Bank wealth management products are divided into current and regular wealth management. Where:

1. Current wealth management products have low requirements for the amount of principal and flexible redemption;

2. Fixed-term wealth management products generally require a minimum purchase of 10,000 or 50,000 yuan. to China Merchants Bank.

For example, the yield is now, and the yield is still okay.

2. Precautions for purchasing wealth management products:

1. Wealth management products must be clearly distinguished whether they are issued by the bank itself or sold by other financial institutions on behalf of the bank. Especially when buying offline, you can't say that our product has a yield of 5%, and you buy it as soon as you hear that the yield is so high. It is necessary to distinguish who issued it and whether the issuing agency trusts it.

You can check the development status of wealth management products through the China Wealth Management Network.

2. Reverse repurchase of treasury bonds.

The so-called reverse repo of treasury bonds means that you lend money to the borrower, and the borrower uses the treasury bonds held by the borrower as collateral, and on the maturity date, the borrower repays the principal and interest according to the agreed interest. Treasury reverse repo by ** exchange.

regulation, so security is guaranteed.

3. Treasury reverse repurchase is classified according to the loan term: 1 day, 2 days, 3 days, 4 days, 7 days, 14 days, 28 days, 91 days, and 182 days. Some of the borrowers of the reverse repurchase of treasury bonds are the bank's business personnel, who need to complete the performance and borrow money temporarily near the appraisal period.

Therefore, generally at the end of the quarter or the end of the year, the interest rate of reverse repo of treasury bonds is relatively high.

About one million a year, but it also depends on what you do to manage money, in fact, doing financial management is much better than putting interest or doing your own entity, I also like financial management, I hope to communicate with you more.

Different wealth management products are invested, and the returns are also different. If you have investment needs, Ping An Bank has launched a variety of wealth management products to meet the investment needs of customers, different wealth management products are expected to yield and interest calculation methods, investment directions, and risks are different, according to whether the capital is protected is divided into capital guaranteed wealth management and non-capital guaranteed wealth management, you can log in to Ping An Pocket Bank APP-Wealth Management to learn more.

According to your financial situation, if you buy financial products. For medium and low risk level, according to the average annual interest rate of wealth management products, the annual interest of 500,000 yuan is 500,000

21000 (yuan).

If you are aggressive, you can consider buying medium and high-risk products, which have a higher rate of return, high risk, and no protection!

The stable income is 10,000,000.

1,000,000 investment income is subject to availability:

1. Safe investment, it is recommended to configure and purchase bank capital guaranteed type financial management or baby type currency**, the current income is in, and the interest due in one year is tens of thousands. This interest rate is a risk-free rate and is suitable for risk-free investors.

2. Medium-risk investment, that is, the income is volatile, but there is no loss of principal. For this type of investment, you can get more exposure to some low-risk investment varieties. For example:

Bank wealth management products, trusts, and principal-protected income certificates, with reasonable allocation in the current environment, can obtain higher returns with high probability events.

One-year interest of 5 million deposits: If the survival period is large, because the amount of 5 million is larger, the current interest rate is calculated by 20%, if the interest rate is, then the one-year interest of 5 million deposited banks is about 21,000 yuan. If the interest rate is, then the one-year interest rate of 5 million deposited in the bank is about 105,000 yuan.

Because the interest rate of each bank will be slightly different, the specific interest rate provided by the bank shall prevail.

The one-year interest rate of 5 million deposited in the bank varies from bank to bank

If you put a 5 million survival deposit, the interest rate of the demand deposit is approximately, and the interest rate for one year is: 5 million yuan * year = 10,000 yuan; If you deposit 5 million yuan for a year, the interest rate of the fixed deposit is about 5 million * year = 10,000 yuan.

Finally, there is also a fixed deposit form of two pence, which is deposited for more than three months according to the corresponding fixed deposit interest rate of 6%, otherwise the interest will be calculated according to the current account; Banks also have wealth management products, with an annualized rate of return of about 5% for about 360 days, that is, an expected return of 250,000 yuan a year.

If you want to have a high return, you can take the money to manage your finances, many banks have wealth management products, you can consult the bank's empty product manager to buy financial products.

Now a large amount of money is stored in the bank, which is a relatively low way of financial management. It is also not recommended not to understand **chaos**, the vast majority of **** are loss-making. The most prudent way is to buy bank stocks directly, because some city commercial banks have higher dividend returns than ICBC.

The amount of 5 million funds is already relatively large, and the department can negotiate with some city commercial banks to pretend to be the interest rate of the state, and it is estimated that it can reach the annualized interest rate of about the same.