How to manage 30w best money, and what is the approximate income of 300,000 financial management in

Investment advantages.

After China's accession to the WTO, it will open up its financial market in the near future and will introduce more advanced financial products from foreign countries. In today's Chinese mainland's financial product varieties, ** market in recent years, the strong trading has attracted many people to participate, ** has become an important investment tool.

1) ** is a bilateral transaction, you can buy up or buy down, and you already have a 50% chance to enter the market. Bull and bear markets, both can be profitable. Increase investment opportunities and returns.

2) Margin trading, low investment cost. After paying a certain margin, the amount of the transaction can be magnified several times to trade.

3) The trading volume is large, and it is not easy to be manipulated by large investors. Transactions are fair, just and open.

4) T+O transactions. You can buy and sell at any time, which is conducive to reducing risks and increasing the chance of profit.

5) Be able to grasp the magnitude of the loss (set a stop loss) and not incur a greater loss because there is no buyer to take over. Because of the large market trading volume, pending orders can be traded. Risks can be artificially controlled.

6) 24-hour trading, buying and selling can be carried out at any time.

25% 35% Venture capital, such as **, **, bonds, wealth management products.

10% Insurance products, such as pension, children's education**, property, serious illness, etc.

15% current savings.

20% lump sum withdrawal.

30% lump sum deposit and withdrawal.

The proportions of each part can be adjusted on their own, and venture capital may not necessarily have a return, but it can also have a large return.

Make other financial plans.

For example: real estate, store operation, etc.

Brick-and-mortar operations will always be less risky than venture capital

**, **, mortgage lending, foreign exchange, cemetery.

Bank fixed deposits.

Bank deposit is the most primitive way of wealth management, compared with other wealth management products.

Bank deposits are basically risk-free financial management. The interest rate on one-year bank deposits is about annualized, and the policies of each bank are different. Then let's calculate that the income of 300,000 yuan in bank fixed deposit for a year is 300,000 * yuan.

2. Currency**: Currency** is also a common wealth management product, such as Alipay's Yue Bao and China Merchants Bank.

Wait. The annualized rate of return of a currency**.

Generally, it is about 4%, so if the user buys currency**, the annual income is 300,000 * 4% = 12,000 yuan.

3. Bank wealth management: The annualized rate of return of the bank's one-year wealth management products is generally between 5% and 6%, if calculated according to 6%, then the annual income of 300,000 yuan wealth management is 300,000 * 6% = 18,000 yuan.

Fourth, P2P financial management: P2P financial management is a popular type of financial management in recent years, the average annualized income of one-year financial management in the P2P industry is about 9%, the specific situation of each platform is different, then according to the average standard, if the user invests in P2P financial management corresponding to the income of 300,000 * 9% = 27,000 yuan. The P2P industry is also a relatively high-risk industry, and its risk is mainly in the choice of platform, so if users want to invest in P2P platform, they must choose a reliable platform to invest.

Fifth, **, **, foreign exchange, *** and other high-risk financial management The income of this kind of high-risk financial management as long as it is determined according to the market, in the case of good market conditions, 300,000 yuan may get double the income. Then if the market is not good, it may be lost, so it is impossible to predict the specific return.

The real gains are simply not so high!!

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.

If from the point of view of controlling the risk, it is more appropriate for Fang Da to buy low-risk wealth management products, and the current annual income of financial products for one year is about 300,000 yuan

12000 (Yuan Qing or San).