If you have 10,000 spare money, how should you manage your money to maximize your returns?

I will use 5,000 yuan of this 10,000 yuanYue BaoInvest, put another 5,000 yuan for ** investment.

To some extent, 10,000 yuan of spare money is not a lot of money, which means that it is difficult for us to get an excess return on investment through 10,000 yuan. There is no threshold for the amount of investment itself, and when a person has a dollar, the person can complete the investment to a certain extent by saving cash. It is for this reason that I think you need to understand your actual needs and allocate your $10,000 according to your needs.

1. 10,000 yuan can also be carried outAsset allocation

There is no threshold for asset allocation, I don't know what your age and capital background is, if you can get 10,000 yuan in cash savings every month, you have basically reached the basic threshold of investment. If you only have 10,000 yuan in cash, there is no guarantee of subsequent cash flow.

Because we can now make the right asset allocation, you can further increase your investment start-up capital in this way. <>

Second, I will use 5,000 yuan of 10,000 yuan for Yu'e Bao investment.

Although 10,000 yuan is not a lot of money, we can't use all 10,000 yuan on venture capital, because this behavior is likely to lead to significant losses. For me personally, my tolerance for risk is relatively low, so I will use 5,000 yuan of 10,000 yuan for Yu'e Bao investment, and get an annualized return on investment in this way. <>

Third, I will use another 5,000 yuan for ** configuration.

There are many types and schemes of configuration, and everyone can choose different products according to their needs. For me personally, I would put 5,000 yuan into investing in industry indexes**.

and the index, I will focus on the CSI 300

and SSE 50. I will share my investment risk through an appropriate combination, and control the annualized rate of return at about 10%, with an annualized maximum drawdown rate.

Control within 30%. <>

I will deposit part of the money in the bank, deposit it at the death date, transfer the other part of the money to Alipay, and buy some ** and buy some financial products with less risk, so that you can maximize your returns.

Buy wealth management products of insurance companies, buy some wealth management products in the bank, do some investments, buy **, do business, and deposit time in the bank.

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.

With 10,000 yuan in hand, how should I manage my money to maximize my returns? With the development of the economy, and the progress of the times. Many people have become aware of financial management.

Financial management is actually relative to investment. There are many ways to choose from domestic financial investment. For example, the more stable one is to deposit in the bank, or put it in Alipay.

Both of these methods are relatively stable, and the returns are relatively small. If you want a higher return, you can choose ** to operate. However, the risk is relatively large, and there are requirements for the level and mentality of investors.

Another investment method with the greatest returns is to buy**. But as we all know, high risk and high return. It is possible to buy or sell 10,000 or 20,000.

However, if you encounter a bad situation, or if you make a mistake in your own judgment, you may lose a lot of money.

With 10,000 yuan in hand, how should I manage my money to maximize my returns? In fact, this mainly depends on what type of investor you are and what kind of return you hope to achieve. is your own ideal, and then what is the maximum risk you can tolerate.

In this way, you can choose the right way to manage your finances. If I suggest here, if you don't know anything about **, **, then choose this 10,000 yuan and keep it in the bank or stable insurance on a regular basis**. Basically, the annualized return is about 5%.

In other words, if you save 10,000 yuan for a year, you can save about 500 yuan. It's still good, and it's a very stable way to manage your money. This is for Xiaobai.

At this time, we can take the 10,000 yuan to buy some financial insurance, which not only has a very considerable income, but also is particularly safe and reliable.

It can be divided into 4:3:2:1, of which 4 parts can be used to save money, three parts can be used for some insurance investments, and two parts can be used for daily expenses.

You can choose to buy**buy** or invest, or you can store it in the bank, which can make us money.

If we only have 10,000 yuan in our hands, then we better focus on working to make money and earn more principal. $10,000 in the wealth management market will not help us improve any of our existing economic situation.

How to choose 100,000 wealth management depends mainly on investors' views and preferences for returns, risks and liquidity. There is no one financial management method that can meet the advantages of these three points at the same time, so there is no standard answer to the choice of 100,000 financial management, and it can only be allocated according to the following financial needs in general

Divide the 100,000 into three parts, the first part must first meet the requirements of liquidity, in case of emergency. At this time, you can configure the bank's call deposit, currency** or directly put the money on third-party platforms such as Yue Bao and Coin Pass. The second part is used to meet the lower risk and obtain more than the bank's regular returns, at this time, you can allocate treasury bonds, bonds**, etc., the risk is relatively small, and the income is relatively stable.

The third part can use higher risk to gamble with higher return opportunities, such as directly investing in ** or buying some hybrid, index and ** types**. This kind of risk varies from person to person, and it is more of a test of people's investment ability and concept, after all, it is necessary to pay more price if you want to obtain higher returns.

The allocation ratio of the above three parts of funds also needs to be determined according to the investor's own situation, that is, the perception and preference for return, risk and liquidity. In this way, the risk can be basically diversified, and the above three points can be taken into account.

The 100,000 deposit can be configured with some of the following financial products according to risk, flexibility and profitability:

1、**。** is a product with both income and risk, but in general, long-term investment can obtain good returns, to a certain extent higher than the bank's early demand deposit interest rate, therefore, investors can consider taking out 30,000 yuan to buy some**, the pursuit of higher returns.

2、**。Compared with the ** type, the risk is lower, investors can consider taking out 30,000 yuan to buy some low-risk purchases**, or save some regular wealth management products of banks to ensure the safety of funds.

3. Cash management financial products.

The remaining 40,000 yuan can be purchased with some cash management wealth management products with high flexibility, such as deposited in the balance of Alipay, or the survival period to cope with daily expenses and consumption.

Risk and return are proportional, if investors want high returns, then it is better to invest in **, ** and other products, and at the same time, investors bear greater risks, and wealth management, bonds and other products The risk is relatively small, if investors are more stable, you can invest in financial management, bonds and other products.

Generally speaking, ** is a better choice, **risk is less than**and**, but the expected return is higher than that of wealth management and bonds, and historically, the probability of long-term investment ** is relatively high.

If the investor has 10,000 yuan of spare money, the financial management methods available are:

Save a fixed term, buy currency**, bonds**, **** or **, but the length of time of these financial management methods is different, the risk and return are different, so investors must first determine the idle time of funds, then analyze their risk tolerance, and finally choose the right financial management method.

Short-term idle funds: you can choose **** and **, these two types of financial management have the greatest returns, but they also have the greatest risks. When choosing ** or ** type**, you should choose those underlying stocks with high return on investment and high growth.

If you are idle for a short period of time, but you don't want to take risks, you can implement a reverse repo of treasury bonds, which has almost no risk and a slightly higher return than currencies and bonds.

Funds are idle in the medium term: you can buy currencies ** and bonds**, which has less risk and higher returns than regular ones.

Funds are idle for a long time: you can deposit fixed deposits, buy treasury bonds, and invest regularly.