My friend's question only gives two reference answers, and both of them are relatively conservative investments. In view of the various speculative channels and the returns of various temptations in the market, it is impossible to control risks (without some understanding and analysis), so we should be cautious.
Next, Liu will help you analyze:
First of all, the question specifically talked about large deposits. It seems that my friends are conservative in financial management. When it comes to fixed deposit and interest rate, the risk is low, and it can be started through banks or other formal and legal channels. However, we need to consider the inflation rate and the intangible devaluation of the currency. This is no small matter. Take this year's CPI index as an example. It is clear that the prices of fast-moving consumer goods and meat are related to our own food basket.
Second: buying a house, friends are still optimistic about real estate. If you work in a city and haven't bought a house (just needed), I suggest you buy a house first, after all, it solves the problem of home and family life. If you have already bought real estate, Lao Zhang still suggests buying investment in the real estate industry in a short period of five years. Although there are many policy problems about real estate at present, the investment income is different for different cities (people who ultimately invest in different industries). You can examine the local population mobility, unemployment and employment rate, urban planning, and surrounding supporting facilities.
If you really want to invest in real estate, after all, real estate has brought wealth to many people in the first ten years. Take this 654.38+0 million working capital to start with two sets of single apartment mortgages. The apartment type is not large, and you can choose office buildings, shopping malls, universities and other surrounding areas. When others are not optimistic about the expansion period of the real estate bubble, there will always be people who think that the latecomers are the takers. Why not change their thinking and think on the other side?
Third: conservative operations can also invest in industries that are now operating. After all, there can be 654.38+0 million of liquidity. Relatively speaking, I will still have some opinions on my own special performance and have certain ability to predict the future development trend of the industry.
Of course, you can also invest in yourself with a small amount of money to enhance your self-worth. After entering a brand-new circle, you will find that you will have more ideas and ideas. Taking you to discover the new world will naturally solve the problems raised by your friends and there will be more good ideas. Finally, I hope your assets will bring you more value, make full use of it and exceed the inflation rate.