With 10W on hand, how to manage money?

There are many ways to manage 100,000 yuan, if your risk tolerance is poor, you can choose bank savings products and currencies**. If you have a slightly stronger risk tolerance, you can choose to buy bonds**, pension security management products, collective asset management plans, etc. If you have a strong risk tolerance, you can choose to invest**or**, with higher risk and higher returns.

Deposit in the bank on a regular basis. Although it is said to be spare money, in order to improve the liquidity of funds, it is better to keep it separately for a fixed period. While maximizing benefits, it will not lead to not being able to get out the money when you want to use it.

Buy the bank's wealth management products. Banks' wealth management products generally have higher returns than fixed deposits and have a longer period of time. If you don't need this money for a long time, you can choose to buy the bank's wealth management products. You can compare several banks so that you can choose the right product.

Buy Treasury bonds. If you have tens of thousands of spare money, you can't use it in recent years, such as saving education funds for your children, the safest and most worry-free thing is to buy treasury bonds. Although the yield on Treasury bonds has been declining, there are now three-year Treasury yields, and the yield on five-year Treasury bonds is higher than the yield on bank fixed deposits over the same period.

Buy**. If you are worried that you will not invest, you can communicate with your friends who understand this area, or you can use the ranking method, and you can generally invest in the top ranking.

Invest in online lending platforms. If you have a little spare money and can't use it for a year and a half, and you can accept a certain risk, you can also consider a P2P online loan platform. Compared with the yield of about 4% for bank wealth management and treasury bonds, the average yield of P2P online lending has fallen below 10%, but it is still very attractive.

Internet financial management. Now that the income of a treasure is gradually rising, it is also optional. These products are all current types, the interest rate is higher than the annual interest rate of the bank, the flexibility is the highest, and it can even be credited to the account in a few minutes!

Other ways to manage your money. Alternative investments such as buying**,**, which have channels and lead the way, are also good choices.

Precautions. Managing your money doesn't make you rich overnight, it only helps your wealth to be less eroded by inflation.

Before choosing a financial management method, you must measure your risk tolerance and do what you can.

The higher the return, the greater the risk, proceed with caution and think twice.

If you have 100,000 yuan on hand, you can take 50,000 yuan and deposit it in a state-owned bank for a fixed term. 10,000 to engage in ** can make some money. Even if you lose, it doesn't matter.

Take another 20,000 to **. See if you can get lucky and make some money. Put another 10,000 at hand, daily necessities are often daily life, and expenses.

With 10w on hand, it should be ...... to manage money like thisIf your risk tolerance is poor, you can consider depositing in a bank, which has a lower return but is more stable.

It is recommended to divide the deposit into 2-3 parts, and the stable and long-term with high-yield short-term financial management can ensure that the risks of the investment market can be flexibly dealt with.

In the first part, the purchase of bank wealth management products is mostly purchased from 50,000 yuan, and there are many types of products to choose from, and the benefits and risks are positively correlated. According to the demand for capital turnover, it is better to choose a 3-1-year period to ensure the sustainability and stability of the income.

If you are looking for stability, you can also buy the currency type**. Due to the extremely small risk of currency**, the annual rate of return is basically kept above, and the ability to buy and sell at any time without handling fees, it is especially suitable for funds that pursue safe and stable returns.

The second part, the purchase of **type**, has a short income period and high returns. The disadvantage is that the risk is relatively large, the principal cannot be guaranteed, and the requirements for investment operations are relatively high, which requires a keen sense of the market. If you are good at investing, it is also a good choice, but it is better for beginners to invest cautiously.

The third part, you can find a compliant P2P, now invest in the P2P platform The return is good and the risk is not high, because of the strong supervision this year, some non-compliant platforms and ** platforms have been cleared, and the income of 8% to 12% is a good choice, I have invested in Aurora Finance for 3 years, you can go to the official website to find out, 100,000 can have 10,000 income a year, and you can invest in the target for 1 month to 12 months.

My approach is as follows: 1. Take out 40,000 yuan to buy bonds**, since last year, the income of bonds** is more stable than others** and can have good returns; 2. Take out 60,000 yuan to do reverse repo of treasury bonds, if you have **, do reverse repo of treasury bonds during the day and do not delay your new and ** do t; 3. If you don't do reverse repo of treasury bonds, all the remaining 60,000 yuan will be used to subscribe for bonds, and there is still a difference in cost between simply buying bonds and subscribing for bonds, because 100,000 yuan, to do stable financial management, the base is not large, and there is a certain threshold for participating in high-yield financial products, so I can only suggest the above methods, I hope mine can help you.

I think you can take out 50,000 yuan and put it in Yu Libao first, Yu Bao because of some reasons that everyone knows, I don't recommend it. Yu Libao is still relatively good at present, the interest rate is relatively high, and it is very convenient to transfer in and out, you can usually get interest, if you need money urgently, it can still come in handy soon. For the time being, you can think of Yu Libao as an e-wallet.

As for the remaining 50,000 yuan, because you have already put 50,000 yuan in Yu Libao, I suggest you go to Alipay's Ant Fortune to take a look and buy some regular financial products. For the sake of safety, it is better not to meddle in **and bonds** for the sake of coveting high yields, those high-yield and high-risk financial products are not something that ordinary people can play. If you want to invest, you should also choose a currency** type of financial products, although the income is not very high, but the focus is on safety, which is very important.

I have 100,000 yuan in hand, if I have this money, it means that the money is not used, then this money, you can, 60% buy**, because**, although the risk is large, but the return is also very large, 20% of the words, you can use it to buy**, because ** is relatively stable, but the same is a risk, and 20% of the words can be stored in the bank for a fixed time, so that there is a fixed interest every month, which can cope with some urgent need for money, but no matter what? 100,000 yuan is not much at all, so if you have a career, you should focus on your career and make more money.

Nowadays, the social and economic development is getting faster and faster, people's income is getting higher and higher, and many people will have a certain amount of savings, but how to reasonably manage the cherry blossom wealth in order to increase their wealth? Have a question of how to manage 100,000 money?

How to manage 100,000 yuan, first of all, you must clarify the goal, that is, when you manage your money, you must know your investment purpose, whether it is for wealth appreciation, or for value preservation, or to obtain short-term returns, and you must know your own purpose, so as to better achieve your financial goals.

Investment and wealth management products are the key to how to manage 100,000 money, according to their own goals, choose the right investment and financial products, such as **, **, foreign exchange, etc., each product has different returns, you need to choose the right investment and financial products according to your own situation, in order to achieve better investment returns.

In how to manage 100,000 money, diversification is also a very important step, try to diversify investment, do not put all the funds into an investment product, so that not only can reduce investment risks, but also can get more returns.

Investment and financial management should be combined with the market, that is to say, we must be familiar with the changes in the market and know the trend of investment and financial products, so that we can make the right investment decisions, sell money-making products in a timely manner, and timely sell low-priced products to obtain investment income.

How to manage 100,000 money, in fact, is also a problem of investment and financial management, to clarify the goal, choose the right investment and financial products, diversify investment, combined with the market, timely sale, in order to be able to obtain the investment delay bank rush income.

With less funds of 100 yuan, you can carry out the following financial activities:

1. **Regular investment

**Regular investment refers to a fixed amount of investment in a fixed amount of money to the designated open**, for investors with only 100, you can choose to invest 10 yuan per month**, in exchange for time for income.

2. Deposit into Yue Bao

The funds deposited by investors in Yu'e Bao are generally used to buy some currency-based **, which has a lower risk and more stable returns, and at the same time, it is also more convenient for investors' daily living expenses, so only 100 investors can choose to deposit money into Yu'e Bao.

3. Deposit time deposits

Fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance when depositing, and withdraw the principal and interest after maturity, compared with the demand deposit, the interest rate is higher, and the minimum deposit amount for regular account opening is 50 yuan.

4. Change pass

WeChat change pass and Alipay's balance treasure is almost the same, investors transfer funds, will automatically buy some currency types of **, enjoy the benefits of currency**, at the same time, investors if they are in urgent need of funds, you can transfer out at any time.

100,000 wealth management: invest in insurance to give yourself a guaranteeInvestors want to know how to manage 100,000 yuan? First of all, you need to know that no matter how much money you have, you need to buy insurance to protect yourself.

If there is no insurance protection, no matter how much money you have, it is very likely that you will work hard for more than ten years and return to the pre-liberation period overnight. Therefore, it is necessary to buy some insurance for yourself, and the general recommendation is to buy some protection insurance, such as: accident insurance, health insurance, etc.

Buying insurance is a sign of taking responsibility for yourself.

100,000 wealth management: purchase into the fixed investment to obtain a rich expected annualized expected return

In addition to buying insurance, how to manage 100,000 yuan of financial management? Investors can invest regularly**,**There are many types covered, whether it is high-risk, high-expected, annualized expected return, or stable capital protection, with expected annualized expected return. If investors have the ability to take high risks, they can choose to buy **type**, and if they are more conservative, they can choose bond type or currency type**.

After choosing the ** type, you can make a single investment and a regular fixed amount, which is very suitable for 100,000 yuan financial management. As long as there is an overall growth in the selection, investors will be able to obtain the expected annualized expected return and do not have to feel distressed because they do not know how to manage their finances, so as to achieve the effect of making money.

It is enough to save less than three years on a regular basis. Or buy a three-year Treasury bond.

Don't listen to other people's financial advice, dozens of percent of what others tell you are fools, if you don't believe it, try it.

Investment and financial management should be in a way that suits you, asset allocation, rather than choosing a product all in, young people can refer to this plan.

Your situation is to pursue a high-yield financial management, the risk of high yield is generally high, see the upstairs is recommended to do spot, but in terms of your financial experience, personal is not recommended, you want to do **, you can go to the bank to ask TD, although the transaction method is not particularly suitable for speculation, but as a family investment, it is still relatively stable, the income is also relatively good, **** have. If you have a large amount of leverage, it is recommended that you try it later.

If you don't do it, don't do it!

You can buy some**.

The bank's regular financial management is basically 50,000 yuan, and the investment income is generally related to the bank's investment income, but there will be a minimum limit, generally 100,000 yuan, and the interest rate is generally 5% or even more. Banks generally invest in reliable investments without great risk.

There are a lot of things that can be done in 10w, depending on what kind of career you are keen on, industry, and financial investment. As long as you invest cautiously, be optimistic about the industry, investigate more, and calculate the rate of return. That's it. I made an investment of 500,000 and can communicate.

Oh, the risk-free interest rate should be high, then everyone will do it, the risk is accompanied by the return, the high yield is also accompanied by the high risk, and the investment can be tried

Jundeli Jundehui is basically risk-free, liquidity is also very good, and the interest is not bad.

1. Take 2-50,000 yuan and deposit it in the bank to ensure family cash flow; 20,000 investment in low-risk platforms: 30,000 investments in high-risk platforms.

2.Low-risk category: fixed assets or, anti-inflation can maintain and increase value, and bonds and low-risk varieties, as well as spot agricultural products.

3.High-risk category: represented by **, **.

Focus on the spot investment platform, low risk, two-way operation, two-way profit. You can not only buy at a low position to open a position when you are bullish, but also sell at a high position to close a position), and you can also make a profit by shorting Shixunhu (sell at a high position to open a position when you are bearish, and close a position at a low level). Therefore, as long as you do it in the right direction, you can make money regardless of the ups and downs.

The investment threshold is low, leveraged trading is T+0, and a daily rate of return can be achieved by doing a good job of thousands of dollars. The 20% deposit system is used to fight big with a small one. And there is a night market, which can meet the willingness of office workers to make money at night.

Flexible operation, more suitable for ** investors.

Any financial investment has risks, and it is impractical to invest only about returns and not risks. And the most important thing is to be cautious about the safety of funds, only by reducing the risk as much as possible and extending the income as much as possible, can we make steady profits. You can communicate with each other.