Where do the rich put their money?

The rich do have many more investment options than the poor, take bank wealth management as an example, some high-yield wealth management products have an investment threshold, with a minimum deposit of 100,000, 200,000, 500,000 or even 1 million. Not to mention the private banks that many people don't know about, they are all tailor-made financial services for high-net-worth customers of banks.

Wealthy people have a wide range of access to information and network resources, and there are more investment channels. Really rich people generally keep their money**?

1. Private banking.

Rather than saving money in a bank, rich people are more inclined to borrow money from a bank, and then use the loan for investment and use the money to make money, so rich people rarely save a large amount of fixed or current money in the bank. Even if some of the money needs to be kept in the bank, they will choose the bank's private banking service. Private banks have the advantages of light capital, low consumption, high investment, high returns, small fluctuations, and high valuations, and the rate of return is much higher than that of banks' fixed deposits.

2. Trust**.

Wealthy people will invest in "trusts", because low-risk and relatively high-yield trusts are more "cost-effective" than most financial management. It can be said that the higher the return than it is not as low as it, and the lower risk than it is not as high as the return. But it is also difficult for ordinary people to access trusts**.

Because the minimum investment amount of the trust ** is generally several million or even tens of millions. For ordinary wage earners, this threshold is simply not reached.

3. Real estate. Real estate has a good anti-inflation attribute, part of the assets in the hands of the rich is real estate, in the past ten years, the first-tier city ** area of the house price appreciation more than 10 times, real estate investment to make the rich people's assets grow rapidly. But the first period of real estate has passed, and now the rich people in China have changed the direction of investment and invested in real estate in foreign and domestic first-tier cities.

4. Collectibles.

There is a wide variety of collections, jewelry, jade, paintings, antiques, etc. Over time, the market price of some collectibles will increase higher and higher. Rare collectibles can not only satisfy the hobby of the wealthy, but also bring wealth appreciation to hail.

5. Venture capital.

Venture capital is a form of private equity investment, emerging technology and innovation projects can often be favored by the rich, many old models and old industries will always be eliminated by emerging industries, and the rich can capture market information and enter the market in advance to open up the gap with others.

Friends, in addition to the above-mentioned ways to save money, rich people will also choose **, **, *** and other portfolios. Inside information in the market is often the most valuable, and rich people will always earn more than ** in the operation of the bank. It can be seen from these that the asset allocation of rich people is relatively dispersed, and they will put their eggs in multiple baskets.

However, the richer the wealth has accumulated to a certain stage, what they pursue is often not high returns, but steady growth of assets. In short, the rich have a more mature concept of financial management and a more scientific asset allocation. And we ordinary people can't have too much money for investment, but we can learn the financial thinking of rich people, summarize experience, and get more returns is the ...... king

I have a friend who is very rich. He will make use of the money, will not save it in the oak, will invest in various financial management, earn more money through various financial management, of course, it is cleared, here it needs to be reminded that investment is risky. For ordinary dust, the existence of a bank is the safest.

Interprovincial deposits have many advantages, including security, liquidity, high yields, and ease of operation. First of all, inter-provincial deposits can be trusted to ensure the safety of funds, because you can deposit funds with different banks, which can effectively reduce the risk. Second, inter-provincial deposits can improve the liquidity of funds, because you can quickly transfer funds, which is convenient for the rational allocation of funds.

In addition, inter-provincial deposits usually have a higher rate of return than ordinary deposits, and they are simple and convenient to operate.

Benefits of saving money regularly:

1. It can effectively reduce the consumption of impulse search wheels. In today's society, material products are abundant, so they often can't wait to buy things they like, but often after buying them, they will find that they don't need them, and savings can reduce consumer spending in this area and improve the quality of life.

2. Strong ability to resist risks. When there is an urgent need for a sum of money in the future, the benefits of saving money are realized at this time, and there is no need to borrow money to protect against risks.

3. Good savings habits can not only provide a disposable fund for their future, but also allow themselves to spend reasonably.

4. High safety.

The "Time Deposit Insurance Regulations" guarantee, that is, the deposit of a single bank within 500,000 yuan, even if the bank goes bankrupt, will pay 100 compensation, but the bank's financial management is not protected, and it no longer guarantees the principal and interest, so it is more secure than the financial management.

5. The income is stable and considerable.

The interest rate of bank fixed deposits is fixed, and the repayment of principal and interest at maturity is higher than that of demand deposits, and generally speaking, the longer the deposit period, the higher the interest rate.

Disadvantages of fixed deposits: Withdrawal in advance, loss of interest income.

For example, if a user deposits a three-year fixed deposit with a bank, if the deposit is 100,000 yuan, the interest at maturity is 100,000 yuan, and if the user also withdraws the deposit in advance after two years of deposit, the bank will calculate the interest according to the interest rate of the current deposit, and the user can only get 100,000 yuan in interest. Compared with withdrawing at the time, users will lose more than 7,000 yuan in interest income.