20 300,000 idle funds for financial solutions

From your description, it can be seen that you are pursuing low risk. But both are proportional to the benefits and risks. Suppose you have 300,000 yuan, you can take out 200,000 yuan for subscribing to bonds, most of their funds are investment bonds, so the risk is smaller, generally speaking, the return is higher than bank time deposits, but every year is different, for example, Huaxia bonds in 08 years of the ** bear market ** 10%, but in 09 years of the bull market is only ** about 2%.

Of course, some bonds are **allotted**, and in '08 and '09 they were both **8%. For the allocation of bonds**, my suggestion is that 100,000 yuan be used to subscribe for Huaxia bonds, 50,000 yuan for Huaxia hope bonds, and 50,000 yuan for CITIC stable double interest. For the remaining 100,000 yuan, you have to take out 50,000 yuan to subscribe for the currency **, the currency ** has the highest liquidity, and the bank's demand deposit is the same, the income is very similar to the one-year bank deposit, which can solve the problem of sudden urgent need for money.

The remaining 50,000 yuan can be fixed, in fact, the short-term risk may be larger, but the long-term income is really good. Huaxia dividend, it has grown cumulatively since its inception on 2005-6-30, and it has also grown this year. Industrial Trend, which has grown cumulatively since its inception on 2005-11-3, has also grown this year.

CITIC Dividend, which was established since 2005-11-17, has grown cumulatively, and the industry has grown this year. Yinhua value preferred, it has grown cumulatively since its establishment on 2005-9-27, and it has grown this year. The long-term performance of **type** is not bad.

My allocation is biased towards low risk, of course, the return may not be too high, you can adjust the allocation of funds between different ** according to your own risk preferences. In fact, I am an aggressive investor, and I personally think that the amount of **** fixed investment can be slightly increased.

Now come out of a middle school**, 10,000 yuan for 31 months to 500 yuan, you can try, this one does not have any risk.

The return on investment depends on three points: the principal, the interest rate, and the time The 2-year investment cycle is too short, and compound interest has not had time to exert its power. From your risk appetite, it's conservative, and in this case, 3% and 5% interest rates don't really have much impact on returns.

Therefore, the focus of financial management is liquidity and security. It is recommended to consider the currency type**, bond type**. In the past 10 years, the capital market as a whole has been higher, and if you can bear the risk, you can partially allocate the partial stock type.

High reward must mean high risk, and this is never possible.

<> 100,000 deposits can be configured with some of the following financial products according to risk, flexibility and profitability:

1、**。**It is a product with both income and risk, but in general, long-term investment can obtain good returns, to a certain extent, higher than the bank's current deposit interest rate, therefore, investors can consider taking out 30,000 yuan to buy some**, the pursuit of higher returns.

2、**。Compared with the ** type, the risk is lower, and investors can consider taking out 30,000 yuan to buy some low-risk purchases**, or deposit some regular bank property state impulses to ensure the safety of funds.

3. Cash management financial products.

The remaining 40,000 yuan can be purchased with some cash management wealth management products with high flexibility, such as deposited in the balance of Alipay, or the survival period to cope with daily expenses and consumption.

Nowadays, the social economy is developing faster and faster, people's income is getting higher and higher, and many people will have a certain amount of savings, but how to manage their money reasonably 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, to combine the market, that is, to be familiar with the changes in the market, know the trend of investment and wealth management products, so as to be able to make the right investment decisions, timely sell money-making products, timely check the best low-priced products, in order 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 obtain investment income.

There are many ways of personal investment and wealth management in China Merchants Bank, such as: wealth management products, fixed periods, treasury bonds, **, etc., if you use our bank card to purchase, it is recommended that you can go to our bank outlets to consult the relevant advice of the wealth manager.

How to manage 100,000 yuan, in order to maximize your returns, for the daily financial management method, we should do what we can, choose the right way to manage your own money, do not blindly pursue high returns, safe investment is very important.

100,000 yuan financial management tips: 30% stable + 55% stable attack + 15% Internet financial management, 30% savings in the bank or treasury bonds, the role of these money is not to increase income, but to protect capital, to avoid exposing wealth to uncontrollable risks. The funds for "attacking" are divided into two parts: "steady attack" and "strong attack".

For the stable part, people who have certain knowledge of investment and financial management can choose some stable financial products; Like the current popular state-owned enterprise holding Internet financial platform Oriental Jinyu, listed company holding, can ensure safe financial management, enterprise chain financial products are up to 10-15% of the expected annualized return and 3-12 months cycle flexible advantages, this kind of products can be used as part of the steady attack, in financial management also need to have the concept of a portfolio, through diversification to reduce risk, the risk is too high, and it takes time and energy, even if there is 100,000 principal, do not be in** More than 5% of total investment assets. For conservative investors, bank fixed deposits are the safest. However, according to the interest rate, the annual income of 100,000 yuan is only 1,500 yuan, and the yield of bank products is only 3%, so there is no need for financial management.

Investing in these high-risk and high-return wealth management products requires considerable knowledge and experience. For salaried people who are not good at investment, it is best to start in a steady way, and then pursue a higher rate of return after getting some investment experience and deep skills.

I think it's the most cost-effective to buy an exponential type, and the benefit is the largest, because the exponential type will definitely be in the future, which is a policy push.

You can save part of your funds for a fixed term, and then take out the remaining funds to buy financial products, so that your income can be maximized.

200,000, use 100,000 to deposit a fixed term, and 100,000 to make **** and other investments. It is best to make a fixed investment, plan **which one**, how long the investment time is, according to the investment time, in batches or **. If you reach a yield of 15%, you earn it.

Such financial returns will be greater, but there are also investment risks, please be cautious.

200,000 idle funds can be divided into a part to buy some bank capital guaranteed regular wealth management products, some to buy capital protection, a small part can buy some, so that the capital can be protected.

If you have 100,000 yuan of idle funds, how should I manage my money? This problem can be considered from the following aspects:

1. First of all, confirm the individual's risk level, risk appetite, financial management ability, and what is the expected financial return target.

Generally speaking, investors who ask these basic questions are just getting started with financial management, risk level, risk appetite and expected return are very different, and their investment strategies and products will also be different, the general rule is that the higher the risk level, the higher the risk appetite, and the higher the risk tolerance preparation and return expectation. There is no plan to maximize the income with high security and stable earnings, but there are many people on the Internet who ask how to earn safe and maximize profits. Suppose the investor is a prudent investor, has a stable risk appetite, can bear a floating loss of 10 20%, and invests in a small novice, expecting to obtain an annualized return of 5 10%.

2. Products available for configuration (it is not recommended to blindly participate in high-risk investment, and do not participate in illegal investment).

Bank deposits, bank wealth management, public offerings**, blue chips** (if you wish) are all product options that can be invested, as the saying goes, "eggs don't put in the same basket", generally through **asset allocation, one-stop solution to this problem. It can be allocated to currencies**, the CSI 300 Index, and a stock-biased type with stable long-term performance (such as BOCOM Double Interest). The market is uncertain, and asset allocation needs to consider the characteristics of profitability, liquidity, and security in order to obtain better returns in the long run.

3. Specific investment strategies.

100,000 yuan will be stored in currency** or bank demand, as the purchase of other **funds**, 500 yuan per week fixed investment in the CSI 300 index, 10% of the profit target, one-time dip buy selected partial stocks**5000 yuan, and then increase the position of 1000 yuan per 5% for long-term holding. Strictly follow the planned strategy, don't chase the rise and kill the fall, buy what you see to make money, or be afraid of stop loss.

The current annualized risk-free rate is about 2%, and the annualized rate of the above investment strategy is expected to be about 5% to 10%, and some years may be worse or even loss, but it is not difficult to achieve the goal in the long run. The best friend of investing is time, and the most important thing is investment strategy, product selection, and money management, all of which are included.

If I have 100,000 idle funds in my hand, I will open a cheap snack bar, a small restaurant where everyone can eat, which can not only make money, but also indirectly help others.

Can **reits. It's still possible to be a real estate investment trust**, and you can get a lot of dividends, which is much higher than time deposits.

It is recommended to take out half of the funds to buy**, and the other half to buy**, to reduce the risk of your principal, and at the same time to increase your income, buy**recommended currencies** and bonds**.