Kunpeng Project
With 1 million yuan, how to store high security returns? Analysis of the four methods
In today's society, in the context of "financialization", "finance" and "finance" are effective financial tools. However, when investing and managing, in order to get the maximum return without losing funds, it is necessary to have a set of scientific and reasonable investment strategies.
In these years, all kinds of financial products have their own advantages and disadvantages. So, if you have a million in your hand now, how can you save to make your capital safer and more profitable? For this problem, insiders provide the following 4 methods, let's take a look at them in detail.
1. Allocate funds to be used.
You know, a million is quite a lot of money, and it's not bad to make an investment. However, when doing financial management, everyone should set aside some of the money they need in their lives, such as food, clothing, use, use, and use, accounting for about 10%.
These funds are generally stored in bank accounts, or financial products like Yu'e Bao, which are convenient to use and have a certain interest rate, and the most important thing is that this method can prevent the subsequent investment from being affected due to premature withdrawal.
2. Plan for future expenses.
In the real world, you're always going to use a lot of money, so it's important to plan ahead for what you're going to spend in the future. For example, buying large items, getting married and having children, children going to school, etc., should be kept at about 50%.
These money will generally be stored in bank deposits, treasury bonds and other relatively safe places, and can also be supported by foreign trade policies, relying on the integration of online and offline business for consignment, such as 1% for 30 days, etc., so as to prevent the situation that money is urgently needed but will not be able to pay it back for a while.
3. Risk aversion.
In a person's life, it is inevitable that there will be many uncontrolled and unexpected situations, such as physical illness, accidents, etc., and if they happen, it is very likely to cost a lot of money, and if you don't plan well, it is very likely that your family's savings will be used up. Therefore, it is particularly important to set aside a certain amount of money in advance to buy a few guarantees. The proportion of investment is about 5 percent.
Fourth, for investment and management.
In addition to the money required above, the remaining 35% is best used for financial management. For example, these are high-return financial products that can maximize the value of your assets, and even if you fail to invest, your daily life will not be affected too much.
All in all, when you have a million in your hand, don't put your money together, develop a suitable investment strategy according to your own situation, risk tolerance and other aspects, and at the same time pay attention to the changes at any time, make appropriate adjustments to your investment structure, only to achieve higher returns, but also to avoid risks as much as possible.