The original deposit, plus the current disposable funds, is about 500 thousand, and the dollar is 50 thousand. This fund has always been neglected, with a duration and a fixed period, with little income. The financial manager of China Bank allocated Mr. Zhang's funds reasonably according to the customer's situation: 1. 654.38+0.5 million yuan to buy government bonds. Because there is no big consumption plan in the past three to five years, buying government bonds is the most stable. For fixed-income products, considering the difference of 20% interest tax, the voucher-type national debt is selected. The annual yield of three-year treasury bonds is 3.24%, and the annual yield of five-year treasury bonds is 3.6%. If you need to withdraw in advance after three years, the income is basically the same as that of the three-year national debt. If you can keep it for five years, you can enjoy its fixed income, so you bought 50 thousand. Second, 65,438+10,000 yuan to buy RMB wealth management. RMB wealth management products are the best choice for short-term investment, with good liquidity, high safety and interest-free income during the investment period, and the investment amount can be changed according to each product. Third, 1.7 million yuan to buy a fund, short-term and medium-term collocation. Open-end funds are managed by experts, saving time and effort. Equity funds change with the trend of the stock market. Considering its certain risks, we will invest 50,000 yuan and plan to grow steadily in the medium and long term. E Fund, which has always performed well, has the highest dividend frequency. 654.38+100000 yuan was selected as E Fund's monthly income fund, which is a bond fund with an annual yield of 2.654.38+06% and no transaction costs. Both enjoy the benefits and have high flexibility, and can be redeemed at any time when needed. Another 20,000 yuan has applied for Haifutong Monetary Fund. As a daily working capital, there are both cash management of fund companies and monthly dividends, which can be described as killing two birds with one stone. 40 thousand yuan to buy insurance. I bought 50,000 yuan of China Ping 'an life-long universal insurance for my husband with the highest family income. The daily settlement method can enjoy compound interest income and dividend protection. I chose this long-term investment divided into eight years in the total investment, mainly considering its dual function of dividend protection. 50 thousand yuan to buy foreign exchange financing. Recommend China Bank's foreign currency wealth management products in spring, summer, autumn and winter, and the term can be freely combined, from three months to five years. Combined with the fixed income products of China Bank, the term is reasonable, the income is certain and several times that of time deposit, and the principal is safe and secure. Related hot words: couple's financial income