With 500,000 cash in hand, how should I manage my money?

If you have 500,000 yuan in cash, you should first make a financial plan of your own. To be clear, financial management is only for better management and use of funds, and it cannot generate additional capital appreciation in itself. And if you want to manage your money better, you must invest.

Then investment is risky, no matter what you invest in, there is basically a certain risk. There are two types here, one type is the type that can take risks, for example, they will buy some more radical products, such as **** or convertible bonds, ** and so on. The common feature of these products is that there is a certain amount of risk, but at the same time, the return is also very high, which is suitable for those who have the ability to take risks to buy.

The other type does not have this kind of risk-taking ability, and only wants to make money steadily, so at this time they will choose those low-risk financial products.

For example, currencies and bonds.

Or simply choose to deposit your money in the bank. This way is very safe, but at the same time it has this yield.

It will also become very low. Therefore, how to manage money first needs to be judged according to your own financial concept, everyone's financial concept is different, and this ability to resist pressure in the face of risks.

It's not the same as affordability. After determining which concept you are, you can start to manage your finances, and if you can tolerate the risk, you can learn some basic knowledge of ** and **, and then you can start to invest. If you can't be sure about the risk, then go and put your money in some safe product so that it has a very stable income.

Therefore, when you have 500,000 cash in hand, the first thing is to make a financial plan for your personal situation. Everyone's financial plan is different, and some people may manage their money to achieve freedom in order to achieve their wealth, so they will spend most of their money to make some venture capital, so as to obtain more returns. However, there are also people who manage their finances just to facilitate the management of their wealth, and if the purpose is different, then the behavior is also different.

We should put half of it in the bank, and we should also put the remaining half of it last year to manage and invest **, and we should also look at the returns, so that we can make money.

You should choose to invest in some good financial projects, and the second is to open a supermarket or a clothing store. In this way, you will make yourself more and more money. It's a great way to manage your money.

You can deposit part of the money in the bank for financial management, part of the purchase**, part of the buy**.

You should analyze the overall financial trend, choose the most suitable financial products for yourself, and at the same time, you should avoid risks and make comprehensive psychological preparations, so that you can carry out reasonable financial management.

At this time, it can be used to buy real estate, and at this time, you can buy some ** with room for appreciation, but don't invest too much at one time, you can also buy real estate, and you can also use it to start a business.

You can invest in some bonds or**.

In modern society, not all income can be used to cover expenses, income tax is payable on income, property tax is paid on property, and gift tax or inheritance tax is paid on property transfer.

Therefore, how to legally save income tax in cash flow planning, and how to legally save gift tax or inheritance tax in property transfer planning have also become an important part of financial management, and for high-income individuals, it has become the primary consideration of financial management.

To the bank, ** corporate wealth management needs to open a corresponding wealth management account. Generally speaking, through the wealth management account opened by the bank, you can handle savings products and bank wealth management products and ** products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through banking channels can be handled at the bank counter.

The wealth management account opened by the company can be used for investment in a series of investment and wealth management tools such as (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), (including finance, such as stock index, foreign exchange, etc., commodities, agricultural products, etc.). **Account opening can be handled at the business department of each **company, which needs to be handled within the trading day.

The procedures of the investment company are more convenient, and generally only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

1. Bank time deposit: You can take out 100,000 yuan to deposit a 3-year, 5-year or 10-year fixed deposit in the bank, the risk of the Li Shen Ling method of changing wealth is small but the return is relatively low, and the annualized return is about 3%.

2. Bonds, **: 100,000 to buy bonds and bonds, bonds include treasury bonds and corporate bonds, the former has a lower return and less risk, and the latter has a larger risk and higher return; **Type**, Bond Type** and Currency**, the return becomes smaller in turn, the risk gradually decreases, and you can choose the investment ratio according to your risk preference.

3. P2P financial management: You can take out 50,000 yuan to buy P2P financial products, with a maximum annualized income of up to 20%, and there are many P2P financial products on the Internet.

20 large-amount certificates of deposit, 20 national foreign trade, 5** fixed investment, 5 discretionary disposal.

Large-amount certificates of deposit are still a good bank deposit project, the income is almost around 5%, and the deposit for three years has a total of 31525 income, which is an absolutely safe way, and the income is okay.

National foreign trade is not a financial product, this is a foreign trade model, by giving foreigners Chinese goods, and earn a lot of profits, at the end of the 30-day sales cycle, users can get back the principal and earn profits. This is a physical commodity trading model, the security and profits are good, and the cycle is still short, plus the third anniversary event now, there are still a lot of benefits.

Regular investment is also a good choice, the risk is evenly shared, just like making a fixed deposit, saving a little every month, saving a little every month, and it is also used by many people as a financial artifact, you can try it.

And the remaining 50,000 according to your own needs, choose the financial management method you want to try, in short, the one that suits you is the best.

I think you can divide it into three equal parts, respectively invested in bank fixed deposits, bank wealth management and **, which not only guarantees the income, but also reduces the risk, bank fixed deposits can ensure that the basic income is low risk, bank wealth management income can be increased, the relative risk increases but is still low risk, ** is the high risk can not be invested too much, can increase the income but the risk is huge, this is the investment concept, diversified investment, for reference only, thank you!