If you have a bank deposit of 500,000 yuan, congratulations, you have the preliminary conditions for investment and financial management, and you can achieve "making money with money" through investment and financial management. You can build a scientific, reasonable and efficient investment and wealth management portfolio through diversified investment and financial management, so as to achieve steady growth of assets while maintaining a certain degree of liquidity.
1. Investment and wealth management portfolio
1. Currency** (20%):
Currency** is a low-risk investment vehicle, mainly investing in short-term bonds, bank deposits, etc., with good liquidity and low risk. It is recommended that you invest 100,000 yuan in currency**, so that you can not only obtain stable income, but also withdraw funds at any time to deal with emergencies.
*Although the investment is riskier, the long-term return is also higher. It is recommended that you invest 150,000 yuan in the ** market, and choose some high-quality companies with good fundamentals and broad industry prospects for investment. You can consider diversifying your investments and choosing companies with different industries and market capitalizations to reduce your risk.
The investment management is carried out by a professional manager, which can diversify the investment risk and is suitable for ordinary investors. It is recommended that you invest 200,000 yuan in ***, and choose some ** with good historical performance and stable management team for investment.
4. A small amount of bank deposits (10%): keep a part of the funds in the bank deposits, which can be used as emergency funds and obtain stable interest income. It is recommended that you keep 50,000 yuan in your bank deposit.
2. Investment and financial management strategies
1. Regular and fixed investment:
It is recommended that you adopt the method of regular and fixed investment, and invest a certain amount of money in various investment varieties every month to reduce the impact of market fluctuations on investment, so as to avoid chasing up and down, and can amortize the investment cost.
2. Long-term holding:
For ** and *** investments, it is recommended that you adopt a long-term holding strategy to avoid cost losses caused by overtrading. Especially for investment**and**type**, never go to **short-term ups and downs, don't let investment and financial management affect your life and mood, you must choose excellent listed companies, accompanied by the growth and profitability of listed companies.
3. Use spare money to invest:
The risk of the capital market is very high, maybe it will not open for three years, or it may be open for three years. Therefore, the most important thing in investing and managing money is to ensure that you survive and that you stay in the market forever. So you have to invest with spare money, with money that you won't need for three to five years, and don't increase leverage.
Investment and financial management is a compulsory course in life, everyone should learn to take care of their savings as soon as possible, increase savings, use savings to invest, investment profits to increase investment, so as to achieve the effect of rolling profits, snowballing, and enjoy the wealth effect brought by compound interest.