How to manage the 300,000 principal cost effectively, and how much can you earn from 300,000 a year

ABC has launched different financial management methods according to the needs of different customers.

If you choose low-risk financial management, it is recommended to apply for financial management in the form of savings of ABC, such as: fixed deposits, fixed living two-pence, call deposits, large deposits, etc. For details, please click on the link: Introduction to Deposit Business.

Or you can consider the first-class business of the Agricultural Bank of China, such as the deposit pass.

Deposit card refers to the customer opening an account through the debit card of our bank, and purchasing the "heirloom treasure" investment product according to the real-time ***** of our bank, and the purchase quantity is credited to the customer's account in real time. Investing** is also a way to preserve the value of your assets. For more information, please click on the link:

Business introduction.

Or you can learn about the wealth management products of the Agricultural Bank of China. Generally, the financial risk of guaranteed principal and income is low, you can see the Ben Li & Fung series. If you want a slightly higher return, you can take a look at the peace of mind. Or the more popular "Thursday I Earn the Most" lately.

Or directly sign up for automatic wealth management business, which refers to the function of regular subscription of open wealth management products of our bank by the customer through a one-time contract with the bank, and the system realizes regular subscription of our bank's open wealth management products in accordance with the agreed cycle and deduction rules.

It is very important to choose a formal platform for financial management, so as to obtain peace of mind and better protect the safety of funds. Du Xiaoman financial management is the original financial management, Du Xiaoman financial management.

It is a professional wealth management platform under Du Xiaoman Finance (formerly Finance), providing diversified wealth management products such as investment, current wealth management and bank regular wealth management. Du Xiaoman Wealth Management helps users to achieve wealth growth with peace of mind, and users choose suitable financial products according to their liquidity preferences and risk preferences. At present, Du Xiaoman Wealth Management has been operating safely for nearly 5 years, and the previous products have also completed the redemption of principal and interest.

The answer to this article is provided by Youqianhua: Youqianhua is a credit service brand under Du Xiaoman Finance (formerly Finance), and you can borrow up to 200,000 yuan by clicking on the measurement.

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At present, there are many ways to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc., with different risk levels, minimum purchase amounts and yields.

If you have investment and financial needs, you can go to China Merchants Bank outlets to consult the wealth manager for relevant advice.

There are too many possibilities for 300,000 financial management to earn a year, you may lose money or even lose everything, high-risk financial products, you may earn back 300,000 or higher, the same high-risk products you win the bet, it may be just an ordinary bank interest of about 6,000, buy a slightly higher investment income of stable financial management, but also more than 10,000, the income of more than 10,000 have a certain risk.

It depends on what kind of financial management you play, some people don't have much money in the bank for a month, and some people play high-yield financial management tens of thousands a month, so the key is what kind of financial products you choose.

Extended Materials: 1. Basic knowledge of insurance:

The subject of insurance is the subject of the insurance contract, which only includes the policyholder and the insurer. The insured, the beneficiary, and the policy owner are not insurance subjects unless they are the same person as the policyholder.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. The policyholder can be a natural person or a legal person, but must have civil capacity.

Insurer, also known as "insurer", refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money. In China, there are two forms: joint-stock **** and wholly state-owned company. The insurer is a legal person, and an individual citizen cannot act as an insurer.

The insured refers to the person who, according to the insurance contract, has the right to claim insurance money after the occurrence of an insured accident and whose property interests or personal life are protected by the insurance contract. The policyholder is often the insured at the same time.

The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to have the right to claim insurance money, and the policyholder and the insured can be the beneficiary. If the policyholder or insured person does not designate a beneficiary, his legal heirs are the beneficiaries.

The owner of the policy, the person who has the ownership of the insurance interest, is often the policyholder, the beneficiary, or the assignee of the policy.

2. Object of insurance.

The object of insurance, i.e., the object of the insurance contract, is not the subject matter of insurance itself, but the insurable interest of the policyholder or the insured in the subject matter of insurance (biāodì).

An insurable interest is a legally recognized interest of the policyholder or the insured in the subject matter of insurance. This is mainly because the insurance contract does not protect the safety of the insurance object itself, but the economic interests of the policyholder, the insured and the beneficiary after the insurance object is damaged. The subject matter of insurance is only a vehicle of insurable interests.

The annual interest on earnings should be around $10,000.

You can choose to purchase wealth management products. Judging from several typical financial products on the market:

Stable medium and low risk products mainly include:

1.Deposit products. The highest interest rate is the 5-year term of large-amount certificates of deposit and smart deposits, even if the initial deposit amount of China's state-owned banks and joint-stock banks is 1 million, the interest rate of 3-year large-amount certificates of deposit is the highest, and among the smart deposits of private banks, Yealink Bank has the highest 5-year fixed interest rate, that is, the income is about 45 yuan per day.

2.Treasury bonds. Last year, the 3-year interest rate of savings bonds was 4%, and the 5-year interest rate was not announced in recent years, but it will basically be not much different from last year, and the purchase of 300,000 yuan is only 35 yuan per day.

3.**Kind. Last year's ** market can be described as a chicken feather, in addition to the cargo base and debt base were spared, other ****, mixed ** and other losses.

The average annualized yield of the bond base that has done well is only more than 4%, and the baby cargo base has been hovering around 3%. Take the debt base as an example, buy 300,000 yuan, about 30 yuan per day.

4.The bank is a low- and medium-risk wealth management product. Last year's income from similar wealth management products was basically in the range of 4%-5%, and the median value was 37 yuan per day.

Even in the industry-wide wealth management market, it is extremely rare to exceed 24% of the annualized income, but without exception, it is accompanied by a high risk of losing the principal.

1.Private Placements** and Trusts. Although the nominal rate of return of this kind of financial product can reach about 10%, it is normal to lose the principal, and it may be possible to earn once, but it is impossible to maintain high returns for a long time, even if a wave of losses is likely to make you return to the original point, and the threshold is generally more than 1 million, and 300,000 is not talked about at all.

2.Even the annualized rate of return of P 2P, which is frequently thunderstormed, is in the range of 6%-8%, and you can get the courage to go up, but it is still impossible to get a 24% rate of return.

3.At present, the banking system has also launched high-yield and high-risk structured wealth management, such as Bank of Communications, and Industrial and Commercial Bank of China has recently launched structured wealth management with an annualized rate of return of 8%-9%, but the target customers are mainly private bank customers, and non-private bank customers have a minimum investment of 6 million. However, according to the wealth management products due in January this year, the actual average rate of return of structured wealth management is only, and the failure rate of non-structured wealth management products is only.

It seems that many structured wealth management products are just painting cakes to satisfy hunger.

In addition, the only one that can achieve a yield of 24% may be **, the property market or private lending, etc., but without exception, there will be a risk of losing the principal at any time. The senior management of the China Banking and Insurance Regulatory Commission once warned us that the yield of wealth management products should be questioned if it exceeds 6%, it is abnormal if it exceeds 8%, and if it exceeds 10%, we must be prepared to lose all the principal. Since the risk warning is always reminding, the majority of investors should be good at it.

1. Reserve personal reserves.

Investment and financial management first need to set aside 3-6 months of personal reserves, in addition, it is recommended that this part of the funds can be short-term deposits (3 months annual interest rate; 6-month annual interest rate or currency** (annualized rate of return of about 4%), and you can even pay attention to short-term fixed income products with relatively higher returns.

2. Reasonable consumption in life.

To achieve reasonable consumption in life, Bee Rongjun believes that the first thing to do is to "match" consumption expenditure with income; Secondly, within the scope of their own economy, on the premise of not affecting the quality of personal life, they should consume rationally, avoid blindly following the crowd and comparison, and do not waste money due to a lack of cool-headedness.

3. Appropriately increase investment methods.

It is indeed a pity that 300,000 yuan has been kept in the bank, and the interest rate of about 2% for 1 year is a bit low. Bee Rongjun suggested that 300,000 yuan can be allocated to some low-risk financial products, such as treasury bonds, with a 3-year annual interest rate of about 5%; The annualized rate of return of bank wealth management products with guaranteed income is about 5% and some fixed income products generally have an annualized rate of return of more than 10%, which can basically guarantee the safety of the principal. If you want to pursue higher returns, you can take out some funds for aggressive financial management, such as **, foreign exchange, etc.

It doesn't matter what the monthly income is. While ensuring the quality of life, the excess money can be managed financially. I think that the beginning should be accumulation, that is, saving, and only after a certain base can I start to learn stable financial management, and don't take big risks.

There are a lot of funds, if it is all deposited, it is better to be conservative, do not invest all in financial management, in case of loss.

You can go to P2P financial management platforms, such as good loans, PPmoney and other high-quality platforms.

You can take a part of it to invest in **, regular these, if you have research on **, you can also invest in points, but you have to control the degree, and you can accept it when you see it, and it is better not to touch these P2P for the time being.

Without knowing your family situation, personal preferences, and financial goals, I can only provide you with a general direction.

The first point to note is not to concentrate all investments on one financial product, the combination reference given by the individual is 50%** + 30% bank wealth management products + 20% emerging wealth management projects.

The first two are for stability, the latter is the pursuit of higher returns, individuals have recently come into contact with some financial projects in the currency circle, I chose an old platform that has been operating for 7 years A network (AEX), the annualized income is very considerable, 10% to 100%, and it implements a 100% reserve system, without worries about arrears of interest.

You can invest in my handicraft furniture planting project, which is much higher than any investment income, with an annual income of more than one million, and can give you 50% of the shares.

Prudent financial management, then try to choose some financial products with low risk, relatively stable returns, and relatively high investment targets, such as bank certificates of deposit, structured deposits, fixed wealth management, bonds, Internet smart deposits, credit bonds, etc. These products have relatively low risk and relatively stable returns. For example, Internet Smart Deposit, which has been a popular investment in the last two years, on major internet financial platforms**.

The five-year interest rate can reach the peak, and the one-year interest rate can reach 5%, which is quite high. However, the interest rate on Internet private savings deposits has fallen slightly this year. Taking the private savings deposit of the xx platform as an example, the minimum deposit threshold is 10,000 yuan, and the five-year annualized interest rate is.

Extended Materials. 1. Financial management, as the name suggests, is to manage finances. When people talk about financial management, they think of either investing or making money.

In fact, the scope of financial management is very broad. Financial management is the wealth of a person's life, that is, the cash flow and risk management of a person's life. Contains the following meanings:

Managing money is a lifelong asset, not just solving a much-needed money problem. Financial management is cash flow management. Everyone is born with money (cash outflow) and also needs to earn money to generate cash inflows.

Therefore, whether you have money or not, everyone needs to manage their finances. Financial management also includes risk management. Because there will be more flows in the future that are uncertain, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense increase risk).

2. Financial management methods. Domestic institutions that can provide financial services to customers mainly include banks, ** companies and investment companies. Bank investments.

The wealth management products provided by China's commercial banks are generally large-value certificates of deposit and asset management products. The base fuel distributed by a brokerage firm or ** company does not belong to wealth management. Corporate financial management.

Financing generally includes income certificates, asset management products, etc. Insurance Financing. Financial management tends to be more long-term, focusing on solving long-term education planning and pension planning, and solving accident, medical and other security problems at the same time.

Invest in corporate finance. Corporate investment and wealth management generally include trust**, **investment, jade, jewelry, diamonds, third-party wealth management, etc. It has high requirements for initial capital and is suitable for high-end financial talents.