How to manage money if you have 100,000 yuan of spare money, if you have 100,000 yuan of spare money

The 100,000 yuan spare money can be divided into several parts, and about 5%-30% can be invested in different places, so that while sharing the risk, it can also ensure that the 100,000 yuan of spare money can earn a certain income.

1. **, **type**, mixed type**.

The rate of return is very high, so if you have investment experience, you can put 20%-30% of the money in the **, **type and hybrid**.

2. Currency**.

Although the annualized rate of return of currency ** is not too high, it is very flexible and its risk is very low, so you can buy currency with 5%-15% of the money**.

3. Fixed-term wealth management products.

Because it is spare money, it is very suitable for buying fixed wealth management products. And at present, the yield of regular wealth management products is not bad, so you can use 20%-30% of the money to buy regular wealth management products.

4. National bonds and local government bonds.

The risk of national bonds and local bonds is relatively low, but the yield will be a little higher than that of currency**, so you can also buy national bonds or local bonds with 10%-20% of the money.

Now inflation is serious, currency depreciation is severe, the wealth is not very easy to manage, at present, there is a market in the first period, the landlord can divide out about 30,000 yuan to buy some low-valued evergreen plates, such as consumer medical new energy, etc., of course, the 30,000 yuan is not a one-time **, you can continue to replenish the position in batches, and you can take out 50,000 yuan for the purchase of bank wealth management products, but now the wealth management products are basically net worth, and the yield may not be as attractive as advertised, The landlord will do a good job of screening, and there is still 20,000 yuan left that can be put into the Yuebao change pass or the bank's live currency wealth management products for daily living expenses and the reserve fund for replenishment.

There are many ways of personal investment and wealth management in China Merchants Bank, such as: wealth management products, fixed periods, treasury bonds, **, etc., if you use our bank card to purchase, it is recommended that you can go to our bank outlets to consult the relevant advice of the wealth manager.

I will choose to use the ** product with general subscription flexibility, similar to Yue Bao;

The other half will invest in fixed long-term investments, similar to those with Zhaocaibao, with higher returns.

This can ensure that I can have enough funds when I need money, and on the other hand, I can ensure that my income is maximized, because I have not purchased **, so I am not very familiar.

Good things are close to the night and leaning on the dangerous building.

Qing Dynasty: Wang Guowei.

Leaning on the dangerous building at night, the corner of the building jade rope is low. Only the moon is bright and frosty, soaking thousands of mandarin tiles.

Why is the world bitter and sad, it is the sad spring. But to the spring breeze pavilion, under the sycamore leaves.

Save 100,000 and use 50,000 for yourself.

There are many types of wealth management through the Wealth Management Connect. The rate of return of each financial management is different. Therefore, the same 200 yuan to buy different financial management income is also different.

Currency ** type of financial management, in the financial management of the risk is small, the probability of loss is low. The investment amount of 10,000 * component income * days is the income obtained. 200 yuan, if you buy it for a month, it is about four cents.

I participated in the Profit Sharing Plan. Forty percent of the monthly profit is appropriate.

If you manage your finances, you can diversify your investments. Split the $100,000 into the investment. For example, if some money can bear the risk, you can choose **, and some can choose a more stable investment, such as currency**, and the financial income of the P2P online loan platform is also good.

It is important to note that you should not put your money in one place, and you must learn to diversify your investment is equivalent to diversifying your risk.

Let's take a look at Zhuge Financial Month.

If you have investment and wealth management needs, you can choose our wealth management products. Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different. You can log in to the Ping An Pocket Banking APP-Finance-Wealth Management to learn more about and purchase.

Tips: 1. The above content is for reference only and does not make any suggestions. The relevant products are issued and managed by the corresponding platform or company, and the Bank does not assume the responsibility for the investment, redemption and risk management of the products.

2. There is a risk in entering the market, and investment needs to be cautious. Before making any investment, you should ensure that you fully understand the investment nature and risks involved in the product, and carefully evaluate the product in detail before making your own judgment on whether to participate in the transaction.

Hello, you didn't say exactly how long 50,000 yuan can be idle (a month or a few years?). ), and what it will be used for in the future (pension or children's future school fees?). It also doesn't explain your investment risk appetite (some people are naturally risk-averse, and they can't eat and sleep well if they lose 100 yuan), so it's hard for everyone.

Give you some advice, you refer to it! If it is short or short-term, it is important to pay cash (such as money for medical treatment or children's school fees...). It is recommended to deposit bank fixed-term, Yuebao, currency**, and bank-guaranteed wealth management products.

If the period is longer (more than one year) and pure idle cash, you can suggest bank non-guaranteed wealth management products, bonds**, ****, **, etc., you can choose according to your risk preferences.

ICBC now has a kind of financial management project "Lingtong Express", which is not bad, the time is short, and it is several times that of the deposit period.

First of all, you must choose a safe and reliable platform, and then choose the product term according to your own needs, and remember to keep some as current financial management, in case you need to use the money, you can also take it out.

Now it's like this year, it's nothing more than ****, and this market will be very hot this year.

First of all, you need to learn to master a variety of financial management methods, and secondly, you need to invest according to your own risk tolerance and investment cycle

1. Configure bank wealth management products. Some of the banks are US dollar bank wealth management products, but the income is not very high, but it is still a channel for stable allocation.

2. Investment. **, most of the allocations are ** Yu Dong and Hybrid**, of course, there are also bonds**. Investments are less risky than direct investments and are more suitable for long-term investments.

3. Configure Internet financial products. Internet finance is an investment that has emerged in recent years. At present, the starting point of the configuration is low, or even less than 10 yuan.

For example, green loan wealth management products. However, there are also many non-compliant investment platforms in Internet finance, and investors should understand the background of the platform in advance, examine the security of the platform, and then the level of return when choosing a platform.

1. To do bank wealth management and spare money of 100,000 yuan, the first thing to do is to protect the principal. The relative interest rate of wealth management products with more than 50,000 yuan in banks will be higher. You can buy a part of the source rock for a longer period of time. Partly, choose to buy financial products for short rock cracking spring time.

2. Currencies and treasury bonds can also be considered, but the period of relative income visibility is longer. If it doesn't expire, you have to take it out and use it urgently. The interest is actually not much.

3. Take out a part of the insurance to buy insurance, the insurance referred to here is accident, or serious illness insurance. For ordinary families, a serious illness may cut off the family's capital chain, so it is recommended to use a part of the funds to buy a suitable insurance just in case.

4. Large companies also have launched financial products with good returns, 100,000 yuan can have good income every day, and it is easy to access and withdraw, and after withdrawing, it can generally arrive in two or three days. However, the annualized rate will fluctuate a little.