300,000 spare money How to allocate and buy funds

While you can afford some risk, you should be cautious about investing. Recommendations:

50,000 yuan investment**; 100,000 yuan investment closed-end**; 50,000 yuan investment **type open**; 50,000 yuan investment bond**; 50,000 yuan to purchase bank wealth management products.

** The risk is the greatest, you are inexperienced and try to buy as little as possible.

Closed** is currently relatively safe, low handling fee, and long**. Closed**in**buys**.

The risk of open-ended is also large, but it is easier to hand it over to the manager than to manage it.

The risk of bond type is smaller than that of type **, which can be used as a risk diversification allocation.

Bank wealth management products have little risk and better returns than fixed deposits. Buy 1 year with an annual income of 3% or more. Recently, Minsheng Bank had 3% for half a year.

First of all, bank wealth management products can not be touched, how many investors have a lesson in blood!

**, various types** (already introduced above) can intervene, but must be invested in phases and batches to diversify risks.

In other words, the so-called distribution is not a one-time investment in a proportional amount of investment varieties at the current point in time, but a time-sharing investment in a certain variety.

Specifically, the cost of each subscription is the minimum rate stipulated by the state, that is to say, 100,000 yuan is subscribed once, and 10,000 yuan is divided into 10 subscriptions each time, and the rate has not changed.

Therefore, in order to avoid all capital investment at the highest point, we should resolutely enter in batches every time there is a major adjustment (**).

70% buy some ** or exponential **.

30% buy bonds** or currency**.

Hua'an, Huaxia company can be.

That's fine, you can find me, q395495295, but the premise is really like you said, you can tolerate holding it for a long time. I'm pretty sure of doing it for the long term. Because of the light, there is too much content to say.

Buy**, hold it for a long time, and you will definitely have a profit.

Go and do business, don't buy **, **risky.

It's very risky, wait and see.

Irrationality. Generally speaking, there are three reasons for choosing a fixed deposit: First, the fixed deposit is a rigid cash product, and the bank must unconditionally pay the principal and interest at maturity.

Theoretically, there is no question of risk unless the bank goes bankrupt. Although wealth management products are low-risk products, low risk does not mean that there is no risk, and there is still the possibility of loss; Second, the yield of long-term fixed deposits is much higher than that of wealth management products. At present, the yield of wealth management products below R3 (products below R3 are low-risk products) is generally between 3%, and products with more than 5% cannot be seen.

However, among the majority of small and medium-sized banks, there are only banks with a term of three to five years, and there are not a few banks with a maturity of more than 5%, so the requirements for the timeliness of funds are not high, and the rate of return on fixed deposits is high; The third is to lock in income. At the moment, interest rates across the market are trending downward (LPR has been falling in recent months, which is the most intuitive manifestation). If the bank's fixed deposit term is 5 years, it can lock in the income in a certain period of time in advance, but the wealth management products are generally within 1 year, so it is impossible to lock in a higher rate of return for a long time.

Of course, if there are certain requirements for the timeliness of funds, such as clearly stipulating that funds need to be used after 3 months or 6 months or 1 year, then it is best to choose financial products. On the one hand, compared with fixed deposits, there are only 3 months and 6 months in the short term, and the term of wealth management products is more diversified, ranging from 30 days to 360 days. On the other hand, in terms of short-term yields, it is not possible to compare fixed deposits with wealth management products. The easiest way to do this is to take the one-year interest rate as an example.

The fixed deposit of wealth management products can reach about 4%, while the fixed deposit of the bank generally does not exceed. Therefore, if there are certain requirements for timeliness, if you know when you need to use the principal, it is best to choose a wealth management product. However, financial products have a closed period, during which they cannot be withdrawn.

In other words, wealth management products cannot be withdrawn in advance before maturity. We must pay special attention to this feature when buying financial products.

Therefore, compared with wealth management products, a fixed deposit of 300,000 yuan has a better effect. Now the yield on fixed deposits is not low. Recently, private banks have launched innovative deposit products, with yields of around 5% and up to 6%.

These products are also fixed deposits and are also protected by laws and regulations, but they can only be purchased through mobile banking or third-party wealth management platforms. After all, it is a product of internet finance. 300,000 yuan can be tried, which is better than the profitability, security and flexibility of ordinary wealth management products.

Rational. In this way, you can still make yourself have a certain income, and the investment is not very much, and most of the money is still very stable.

If you are a conservative investor, 100,000 buy **, 200,000 time deposits, which is very reasonable, if you are some risk of the certificate of deposit to return to the base of the ability, you can buy 200,000 Fengzhao**, 100,000 as a deposit.

If you have 300,000 idle funds, 100,000 yuan of hidden money to buy **, and 200,000 yuan to buy a fixed term, I think it is relatively old and reasonable. Because the relative risk is relatively high, the return is also relatively high, and the risk and return of the regular are relatively low.

I have 300,000 spare money, 100,000 to buy **, 200,000 to buy a fixed term, is it reasonable? However, this is a more conservative way of financial management, and the risk of sending a search is not very high, and the income should be okay.

If you are a prudent investor, such an allocation is reasonable, and if you are active and aggressive, you can increase some of the best shares.

Plausible. This kind of financial management method is also very good, and this financial management method is relatively less risky, which is okay.

It is very reasonable, and it is a wiser behavior to divide the money in two places, which will not be very risky.

First of all, you have to see what kind of income you want to use this spare money to achieve, because what kind of risk corresponds to what kind of return, and if you want to get high returns, you must have the ability to take high risks.

If you can't afford the risk, it is recommended to choose a bank fixed depositUnder normal circumstances, it is also a very good choice to deposit money in the bank, but the premise is that during this period of time, the money is always a state of spare money, if you want to use it in the middle, it will be more troublesome, and the income will be reduced a lot, so if you have 300,000 cash in your hand, and you can't bear the risk, you can choose a bank fixed deposit, which can ensure our income, and can reduce the risk to almost 0.

If you may have a low risk tolerance, but this spare money may not be suitable for saving for a fixed period, you can choose some better currencies**Under normal circumstances, the risk of currency ** is extremely low, and low risk corresponds to low return, so we must also accept the low return that this ** brings us. Typically, the annualized return of a currency** is less than 4%. However, it should be noted that this ** can avoid risks and generate benefits as much as possible.

When we need to use the money, we only need to redeem a certain share of the currency**. In a sense, it is more convenient than bank fixed deposits.

If you can accept a slightly higher risk, then you can also try to win some higher returnsUnder normal circumstances, you can choose bonds** or even bonds**, although there will be a lot of fluctuations, but the risk of this ** is much lower than **type**, but its historical return is much higher than that of currency**.

If you can accept greater risks, then you can win some high returnsYou can buy some **type**, you can choose active**, you can also choose exponential**, all of which are good choices. But when choosing this kind of **, we must choose a good ** manager to ensure that our income is as stable as possible.

In addition to the above, some of the bank's wealth management products are also good choicesHowever, when purchasing, it is best to ask about the risks and returns of this financial product, and to clarify the degree of freedom of this kind of financial product, and whether it can be redeemed freely when using the money.

Therefore, if you have 300,000 spare money and want to invest, it depends on your own risk tolerance, and the financial products recommended for different risk tolerance are different.

Buy**. Because buying ** is relatively stable, it can ensure the safety of the principal, and there is a certain income, so I think it is more appropriate to buy **.

You can do some capital activities to invest and manage your finances more steadily. And don't put all the money into it, it's safer.

You should do some financial management in the service industry, because the financial management of this industry is very high, and it will not lose money, and the risk is relatively small, so it is the most suitable.

You can use the 300,000 to buy**, the income is relatively stable compared to **, the risk is not so great, and you can get a relatively good return.

Choose your bank according to your personal risk appetite.

Stable investment, then choose the bank's wealth management products, the annualized return is about 7%, the risk is small, the return is relatively low, the current market is short of money, the yield will be slightly higher.

Borrow money by yourself and put money into friends who have the ability to repay and have credit, and do short-term capital turnover, which is equivalent to lending, provided that you can do a good job in risk control.

If you are more radical, it is recommended to buy **, only buy bank stocks or ** shares, such as PetroChina, Bank of China, CRRC, there will always be a wave of ** every year, and the income of 10% to 20% is considerable, and the risk is relatively small, for example, the Agricultural Bank of China has risen this year, and the Industrial and Commercial Bank of China has risen.

This kind of investment method of buying ** stocks belongs to the category of stable investment, and the funds are flexible.

The rest of the investments are too varied, and various traps are more difficult to distinguish.

My recommendations fall into the robust category.

300,000 is not a small amount.

It is recommended to take risk control measures before investing.

The platform of state-owned enterprises and central enterprises has controllable risks and good returns.

Specific information is not convenient to disclose here.

It is not clear that it can be communicated privately.

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