With 400,000 yuan in cash, I won t consider buying a house in three to five years, how to manage my

It is wiser not to invest in a house now, the current house is really not suitable for investment, and I would rather invest your 400,000 yuan in others, so let's talk about how you should manage your 400,000 yuan?

I personally have two financial plans based on your 400,000 points, one is cautious and the other is positive.

(1) Prudent financial management plan

Divide your 400,000 into 3 parts, one is 200,000, one is 100,000, and the other is 100,000.

200,000 yuan can be deposited in private banks for five years of large-amount certificates of deposit, and the annual interest rate of large-amount certificates of deposit of private banks is more than 5%, and the higher ones are reached, so the 200,000 yuan has an interest income of 10,000 yuan per year, which is zero-risk and is also used as your real estate. <>

100,000 yuan deposit in private bank intelligent deposit, more than one year can reach 4%, three years and five years can be reached, the 100,000 yuan deposit intelligent deposit has more than 4,000 yuan of interest per year, this fund is mainly considered emergency, the 100,000 yuan can be withdrawn at any time, liquidity is particularly strong.

100,000 is the purchase of wealth management products, as for what wealth management products to buy up to you, now major financial institutions have their own self-operated wealth management products. You can choose medium risk, with an annual rate of return of about 6%, with an annual income of 6,000 yuan, with relatively low risk and high return.

(2) Proactive financial management plan

Your 400,000 yuan is divided into 2 equal parts, 200,000 yuan each, and 200,000 yuan each goes into medium and high-risk investments to pursue high-yield financial management. <>

Among them, 200,000 yuan is used to buy wealth management products, of course, wealth management products can be bought with medium and high risk, but it is recommended to choose medium risk as much as possible, with an annual rate of return between 6% and 8%. For example, bank wealth management products, insurance wealth management products, trust wealth management products, ** wealth management products and so on.

Another 200,000 yuan can be used to invest**, of course** is high-risk and high-return, in order to reduce your ** risk to get high returns, you buy a state-owned bank stock for 100,000 yuan, long-term holding and other dividends, and there is also the income brought by the stock price. The other 100,000 will be allocated according to your personal style, whether it is an ultra-short or mid-line band, and you can choose the best operation method by yourself. <>

These two financial management plans, I am based on the financial management method you gave 400,000 yuan, and at the same time, I have considered the risk, the return, and the liquidity of funds. You can choose an investment and financial management plan according to your own specific situation.

50% of the money is used to buy bond**, 20% is used to buy hybrid**, and the rest of the money is used to buy** is the most suitable.

Buy**. **is the most able to retain value, can be purchased**.

200,000 yuan to buy**, 100,000 yuan to buy fixed wealth management products, and 50,000 yuan to buy insurance. The remaining 50,000 can be placed in the card or the balance treasure to prevent emergency needs.

I feel that it is better to buy a house to appreciate in value, because now the price of the house is getting higher and higher. Buying a house is equivalent to owning real estate, and I feel that there is a lot of room for appreciation. And if you have your own house, you will feel at home.

I don't think it's possible to buy a house to appreciate in value now. So I think I can do some financial management. In this way, you can make your money appreciate.

Now it is not the best time to buy a house, if there is 400,000 in hand, it is better to invest cautiously, after all, it is better to be cautious when the economy is in a recession.

I think you can bring a little more money to buy a façade room, for rent or business better, after all, there is not much room for house price appreciation now, but the business is not easy to say, do it right, there is still a lot of room for appreciation.

In addition to private bank deposits, the interest rate on large certificates of deposit is much higher than the interest rate on fixed deposits, generally 40% to 50% higher than the benchmark interest rate. In addition, the flexibility of large-amount certificates of deposit is relatively strong, you can partially redeem in advance, and you can also transfer them in the market, before doing anything, you should set a certain goal for yourself, only in this way, we can be more motivated to move towards the goal, and even conduct a certain systematic inventory every six months in the future, so as to check whether you have deviated, and then continue to correct it. In other words, from the perspective of financial management, the most important goal we should set should be related to income or yield.

In other words, what kind of revenue do you want to achieve each month? Then, use this income to reverse the deduction to see what kind of financial products you are suitable for.

First of all, ensure the safety of the funds. I chose to deposit a part of the three-year fixed deposit in the bank, because bank deposit is still the safest way to invest at present, and it is also deeply loved by the people of the country. Bank deposits are protected by national insurance regulations, and even if the bank goes bankrupt and liquidated, the insurance company will still be able to pay customers within 500,000 yuan.

It is recommended to take 50%, that is, 200,000 yuan to deposit in a three-year fixed deposit in the bank, and the maximum annual income is also available. Or you can buy a large bank certificate of deposit with 200,000 yuan, and the 3-year annual interest rate of the Bank of Communications is also above 4%, which can be reached at the highest level, which is also a good choice.

We all know that there is a threshold limit for large-amount certificates of deposit in banks, but having 400,000 completely exceeds the threshold limit of 200,000 for large-amount certificates of deposit in commercial banks, and the annualized rate of return of large-amount certificates of deposit is generally relatively high, and the annualized rate of return of three-year large-amount certificates of deposit is generally close to about 5%, which is obviously better than most of the wealth management products on the market, and the liquidity of large-amount certificates of deposit is also very good because of the characteristics of calculating interest on the file and the characteristics of being transferred at a premium before maturity. Moreover, the bank's large-amount certificate of deposit is a wealth management product issued by the bank itself, and the security attribute is relatively high, so it is more suitable for investors with a relatively small risk tolerance.

When investing, we must stick to our own choice, that is, the purpose of investment is to achieve a positive return on the capital on the premise of preserving our principal. Therefore, the most important thing for family financial management is to reduce their investment risk. For traditional family investment, I still recommend making a long-term investment.

For the allocation of **, I have always recommended to choose the 4+3+2+1 model, that is, to divide your funds into 10 shares, buy 4 blue chip stocks, 3 white horse stocks, 2 technology stocks, and 1 new stock investment model. At the same time, the principle of buying ** must enter the market in batches, and do not establish ** at one time, which is very risky and easy to lead to serious losses! You can position your investment cycle for 3 to 5 years, and establish a time positioning of about 1 year.

For aggressive investors, you can also use a fund to engage in ** trading, so that you can quickly improve your trading experience.

You should keep your money in the bank, because it will grow every year, and although the interest is not much, this way of managing money is the safest.

Personally, I think that the first thing to do is to take out a part of the insurance, so that you can ensure your life safety, and then you can also choose some more stable investments.

I think it's very good to buy some of this money and buy those that are more safe to invest.

A deposit of 400,000 yuan can buy a cheaper small shop, the kind of shop in the shopping mall that has just opened, it is relatively cheap, and it can produce stable benefits every month after buying, and it is still a value-preserving product, which is very good.