How should I manage my money if I have 500,000 in hand?

Since you have 500,000 yuan in cash, you might as well take out 400,000 yuan and choose two small and medium-sized banks to deposit large-amount certificates of deposit with a three-year term, with an interest rate of more than 4%. If you are a conservative investor, you can consider depositing the remaining 100,000 yuan in a structured deposit, with a floating interest rate but capital preservation. You can also choose baby currencies**, with an annualized rate of return of around 3% and good liquidity.

If you have a certain understanding of Internet banking, you can also choose WeBank's Smart Deposit+, which has an interest rate for one year.

For the 500,000 yuan, I personally recommend 350,000 yuan to buy principal-guaranteed wealth management and 150,000 yuan to purchase non-principal-guaranteed wealth management. 350,000 yuan can earn about 14,000 yuan, 150,000 yuan can earn about 7,500 yuan, and the total of the two can earn about 21,500 yuan. The advice is:

Don't blindly pursue high returns, the higher the returns, the greater the risks.

If it were me, I would definitely choose P2P financial products, in fact, I have invested in P2P financial products for almost 6 years, and there has been no problem with any investment, from the early annualized return of about 20%, to the current annualized return of about 11%, and the principal of 50W is about a year of income, P2P financial management in addition to high returns, liquidity is also the best.

500,000 financial management, the house can't be bought. If you are looking for stable financial management, you can only buy those bank wealth management products with an annualized income of 4%, or currency**, which also has an annualized rate of 4% to 5% a year, and there is an income of about 20,000 yuan per year. Live in peace.

Generally, banks will sell wealth management products, and principal-guaranteed wealth management is still more popular among the people. However, as we all know, wealth management is not a deposit, and there is a risk of fluctuations in principal and returns. The risk of capital protection is low risk, it is to ensure that the principal is not lost, the income is fluctuating and uncertain, and the products sold before are basically paid to customers according to the floating rate of return.

At present, the floating rate of return of one-year capital guaranteed wealth management is about 4%, which means that 10,000 yuan is about 400 yuan a year, which is about twice the interest rate of one-year fixed deposits.

For families with general net worth, 30% of the funds are used for high-risk investment, 40% of the funds are used for value preservation and appreciation, the remaining 20% are used for insurance, and 10% are used for living expenses, which will be more reasonable and can also be risk hedged.

If you can buy a house in the core area, buy a house, if not, 50,000 yuan will be put into the bank, 100,000 will be put into the bank for a fixed term, and the rest will be held for a long time to strive for an annualized return of 10.

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.

With 500,000, how to manage money?

For this proposition, the target group has been positioned as ordinary people, if you are in a rich family, there will be no such confusion, how to spend 500,000 love. So today, let's talk about how ordinary people should manage their money after they have 500,000 yuan? If the 500,000 is earned by your labor, make clear your life goals for the next 20 years:

If you're about to retire or have already retired, the next goal is to retire

This money is not suitable for investment in medium and high-risk projects, and should be mainly stable, such as currency**, bank wealth management, etc. (It is best to bring a young family member with you when buying bank wealth management to avoid buying the wrong one, or ask your family members to help you operate in online banking.) Although the return on investment is not much, it is okay to stabilize the inflation rate after the country's deleveraging and strict supervision measures.

Investment is risky, and you must avoid it when choosing products. Secondly, at this age, the risk of illness is relatively large, and it is more important to do a good job of protection, when people are old, in fact, security is also a maintenance of dignity. You can consider matching a cancer insurance + medical insurance + accident insurance.

If you are married and have children, then the next goal is to educate your children, support your parents, and pay off your mortgage

To put it bluntly, at this stage of life, you will be one of the pillars of the family, especially for male friends, the family contribution may be greater and the responsibility will be heavier. If you have earlier investment experience and the returns are not bad, you can continue the earlier investment style, or be a little more active and diversify into buying some **, ** and P2P. If you don't have investment experience, you shouldn't venture in, you can invest in ** and buy fixed income P2P.

In terms of protection, prepare yourself a life insurance and critical illness insurance. Friends with good conditions can buy a children's education fund with exemption functions.

If you've only been working for a few years, your next goal is to invest in yourself

If you can accumulate 500,000 yuan by working in a few years, this job should be more promising and match your ability. At this time, you should improve your professional ability and physical fitness, and allocate some money from 500,000 yuan to do self-appreciation, although these money do not seem to have a financial return on the surface, but you will understand its role in the future. You can also start to make ** fixed investment, and when you get married, have a baby, and educate your children in the future, the money should be able to help.

At this stage, you may be fully committed to your career, so security is also very important. With the current conditions, it is no problem to prepare a life insurance and critical illness insurance, and if the protection is sufficient, there will be no worries.

Ending

In fact, financial management is a very personalized thing, each person's situation is different, the principal is different, and the acceptable investment varieties will be different. No matter how the 500,000 yuan in your hand comes from, when you are old, you want to earn high returns, as the head of the family, you have no protection, and you don't squander your finances. It's all high-risk things.

At the end of the day, there is no such thing as the best, just the most suitable. But remember, only by keeping your heart can you keep your wealth.

I think we can make a fund allocation for the 500,000 deposits, take out part of the money as deposits, and use the other part of the money as financial management. This will help your own financial income.

You can buy regular wealth management products, the principal and interest security of regular wealth management products is good, and the yield is higher than that of currency products. However, because there is a closed period, the liquidity of funds is poor.

The yield of the innovative fixed deposit products launched by banks is much higher than the fixed listed interest rate of banks. The principal amount of the innovative deposit is guaranteed, and the interest is paid by the bank's creditworthiness.

I think the best way to manage the 5,000 yuan is actually to buy**Buying ** is a very correct way and the least risky way.

Nowadays, many people's lives have become very good, and 5,000 yuan is just a small part of life for some people. 5000 yuan to buy ** is actually not much to buy, and you can buy different assets when you buy **, which is a very good configuration.

** is a very good configuration. When many people buy this kind of product, they will actually find that this is a very good configuration, because this product itself buys other targets, so we also hold other assets when we buy **. This product will definitely become more and more popular in the future, because many people have now given up on buying ** and turned to buy**.

The risk of buying ** is very high. The reason why it is not recommended for everyone to buy ** is because the investment risk of ** is very large, and there are relatively few good assets in the ** field, and it is more difficult for us to choose the ** that makes money, so we have to choose other assets, which is what I mentioned**. <>

The threshold for buying ** is relatively low, in fact, the threshold is relatively low when buying**, buying ** must take everyone's time, once we choose**, we don't need frequent attention, after a period of attention is the best. It has become the choice of more and more people, and many people think that they can make money. <>

Based on the analysis of the above three aspects, we can find that the risk is relatively small when buying **, and compared with other assets, the purchase of ** is also relatively flexible and simpler. In the process of purchasing, we must pay attention to the risks, because there are risks like other products.

At this time, you can buy **, and you can also buy some**, and you can also choose to invest in real estate, and you can also choose to store in the bank, and then you can also buy treasury bonds or wealth management products.

I have 5,000 yuan in hand, and I think if we want to manage money, then we can buy some financial products together, and if we buy a lot of financial products, it will also be profitable for us.

It would be a pity if such a large amount of money was not used, and in line with the investment principle of "don't put all your eggs in the same basket", you can diversify your investment to diversify your risk and obtain returns.

1. For large-amount certificates of deposit, the interest rate of large-amount certificates of deposit of general banks is about 40% higher than that of time deposits, and 200,000 of them can be deposited into large-amount certificates of deposit, that is, they will obtain higher returns while ensuring the safety of the principal;

2. Regular wealth management, you can subscribe 200,000 yuan to the regular wealth management products recommended by Alipay or other financial management platforms, and you can get a relatively high income of 4%-6%. Remember to choose a wealth management product suitable for the closed period based on your own situation;

3. Currency, you can use the remaining 100,000 yuan to subscribe to the money market, and at the same time make up for the flexibility of capital needs, of course, you can also invest part of the funds in **, and the specific investment ratio needs to be selected according to your own situation;

4. If your risk appetite is conservative, you can consider: deposits, treasury bonds, currencies, etc. (most money market investment varieties determine that the risk is the lowest among all types).