What are the reliable channels for financial management of 300,000 to 500,000 yuan?

Insurance: I think it's better to spend some money on this kind of thing to buy peace of mind, after all, I don't know which will come first, tomorrow or the accident. In particular, it is necessary to buy one for the children and the elderly at home, and I usually buy critical illness insurance.

If you are interested and capable, you can also take a look at Hong Kong insurance, which can reduce the risk of RMB x currency depreciation).

Foreign exchange investment depends on the international economic form and trend, and when choosing, you should choose a currency that is relatively strong in the world and exchange it and deposit it in the bank. Foreign exchange investment has high requirements for hardware and requires investors to be able to understand the international financial situation.

If you buy some overseas insurance, you will definitely not lose money, and you can also pass on your wealth; You can buy some private placement products, (but after all, high risk and high return, if you can't accept it, don't consider it), banks still have to put a little, the four major banks do not have a limit of 50w, commercial banks have; Go to the bank to be a VIP customer, save worry and effort, and protect the capital, but whether you can outperform inflation is judged for yourself.

Compared with **, bond investment has low risk, high credit and stable returns. In particular, treasury bonds that are guaranteed by state credit will definitely be able to be bought, but the quantity is small. Corporate bonds and convertible bonds are less secure than government bonds.

One disadvantage of treasury bonds is that they require more funds and have a longer investment horizon.

If there is China Merchants Bank in the city, you can also learn about the wealth management of China Merchants Bank: at present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc.

There are many types of bank wealth management products, such as cash management, bonds, trusts, capital markets, linked and QDII products, and the risks and returns are also very different, and there are still many products with relatively stable income of about 4-6%.

The investment threshold for large-amount certificates of deposit in banks is high, generally starting from 200,000 or 300,000 yuan, the general yield of 3 years is about and about 5 years, and some small and medium-sized banks are about the same;

Don't know what your expected earnings are? There are many financial wealth management products, you can consider private placement**, mainly depending on your own risk appetite and requirements for capital liquidity. If the risk appetite is low, you can consider doing bonds** (about 6% and 8% returns), and private equity strategies are also divided into**, quantitative hedging, macro hedging, CTA strategies, etc. (it is not recommended to do ** strategies, if you do, consider old private placements).

The risk is better than equity investment, of course, the return is also high, the liquidity requirements are low, and the time is generally longer, which is not recommended. If there is a requirement for an insurance policy, you can consider a Hong Kong policy (savings, critical illness, and according to demand). Sunshine private placement income is about 15%, 20 30% or so, of course, there are also higher, according to their own risk appetite, expected returns and liquidity of funds.

It's not hard to say, but it's to be done step by step and step by step. Guaranteed. Set aside safe funds and put them in currency**.

Value. Adjust the allocation of cash, **, bonds, and commodities according to financial market conditions. Transcend.

Analyze the current social trends and find innovation leaders to keep up. For example, crowdfunding, P2P and other popular industries that are on the rise.

Personally, I recommend the treasury bonds, the investment threshold is relatively low, 4% of the 3-year period, and the 5-year treasury bonds of the general bank need to be grabbed.

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.

If you have 300,000 yuan, try to manage your finances as steadily as possible, and focus on low-risk methods, so as to reduce losses. After all, financial management is risky, and the less risky ones are more friendly to us. Like the current low-risk model, bank large-amount certificates of deposit, ** fixed investment, and national foreign trade are all safe and high-risk methods.

Large certificates of deposit have a higher interest rate than general deposits, and their security is good.

The national foreign trade is based on the physical object of the orange acacia, the safety is good, there is a fixed round Hu friend time and 1.2 percent of the profit, 30 days, the safety of the period is also a good guarantee.

Regular investment is also a stable way under fluctuations, through the investment of fixed funds at a fixed time, there will not be much loss, and it will be possible to reinvest at the time.

Of course, it is more important to do a group and the way that suits you is more important.

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).

1. ** are all operated by professionals, and have almost the same benefits while having a certain risk.

2. Savings deposits, which are a low-risk investment method, are basically very low-risk under China's national conditions.

3. It is recommended to use about 60,000 yuan to save regularly, and then briefly regret using about 20,000 yuan to survive to deal with some unknown things.

4. The economic development trend of China and the world is blocking the positive and rising situation, so this high-yield, high-risk investment method is also very desirable, and it is recommended to use about 70,000 yuan to buy.

5. Bonds have always been known as a stable investment method, the yield of the bonds in the bonds is higher than the savings, it is recommended to use about 70,000 yuan to buy treasury bonds, and the income of corporate bonds is much higher than that of treasury bonds, it is recommended to use about 30,000 yuan to buy corporate bonds.

In daily life, everyone who has money will basically be stored in the bank, and the bank's income is very low, so how to maximize the financial income of 300,000? How to invest 300,000 yuan and manage it well? Relevant content has been prepared for your reference.

There are many types of financial management on the market, such as: **, financial products, **, **, **, ** and so on. But because the risk of **, **, ** is relatively large, although the income is also high, but 300,000 is a lot of money, therefore, it is not recommended to invest too risky, if there is a loss, it will lose a lot.

Generally speaking, it is recommended to have a slightly less risky financial management, such as buying low-risk wealth management products, taking Bank of Ningbo's 2021 Hui Tianli No. 19043 wealth management product as an example, its performance benchmark rate of return is that its income is very good, and the risk is not particularly large.

The second is the currency**or bond**, the general return is between 2% and 6%, and the risk is not particularly large, and the income is still okay, but when choosing **, you must consider it from many aspects, such as **scale**manager,**past performance, etc.

Although the past performance does not represent the future, there is still a certain reference, pick out a good **, long-term holding, basically the probability of making money is relatively large, and the interest is generally a little higher than bank deposits.

The yield of treasury bonds is also good, but treasury bonds have an issuance date, not that they can be purchased at any time, if you want to buy, you have to pay attention to the time of issuance in advance, and then rush to buy.