I. Investment in wealth management products or bank deposits
Bank wealth management products do not need investors to have too much professionalism or spend too much time, and the income is stable and trustworthy. They are the safest and most suitable way to manage money.
1, bank savings, the advantage is safety, the disadvantage is that the income is too low, and it is almost impossible to escape the price increase.
2, funds, the advantage is that the income is relatively high, there are many investment methods, you can buy a certain amount of funds at one time, you can also invest in funds. The disadvantage is that it has certain risks, but it is a good investment method. At present, due to national regulation and control, funds are very tight, so the interest rates of money fund products are rising. At this time, everyone should seize the opportunity of high income and make steady profits.
3. Stocks, such as growth stocks, stock funds and futures. , there is an opportunity for people to earn 10% a month, or they may lose 10% a month. The advantage is that the income is high, but the disadvantages are also obvious and the risks are high. If you don't play well, you will lose a lot and have high requirements for your ability. Investing in these high-risk and high-yield wealth management products must have a fairly high threshold of knowledge and experience. For those who are not good at investing, it is best to start slowly and steadily. After gaining some investment experience, join the storm clan and pursue higher yield.
4. For a few trust products, 50w is almost the threshold of trust. With this purchase, most trust products can provide income below 10%. I believe it is difficult to have trust products above 10, which is determined by the trust cost. In terms of risk, the cost is not high, but the liquidity is poor and the term is generally long.
Investing in gold, not jewelry, is a gold nugget specially used for investment. Timing is very important. At present, the price is relatively low, suitable, with a high degree of insurance and slow income.
6. Buy government bonds and corporate bonds: It is wiser to manage money conservatively than to deposit it in the bank. Treasury bonds have good liquidity and the highest safety factor. At the same time, it can also be easily realized through market transactions. 500 thousand spare money can buy government bonds, and the risk of capital preservation is low. Remember the redemption date when buying government bonds. Once overdue, the bank will not pay interest on overdue funds. The yield of national debt 3 is actually higher than the bank time deposit interest rate, which is basically a zero-risk product. Unless the country is gone, it will be an honor.
Choosing financial products on the P2P platform in the market, the general annualized rate is 6%, and the net profit for 20 years can be 165438+ 10,000, which is quite a fortune. However, P2P platform has certain risks, mainly in the short and medium term. It is necessary to choose a reliable and large trust platform.
Second, invest in buying a house.
Real estate investment, in the first-tier cities such as Beishangguang, there is still a lot of money invested in real estate, but the investment amount is so large that most people can't afford it, while there are few cities that can invest in the second and third lines. For example, Hangzhou is relatively hot at present, so this should be screened, otherwise it will be easy to be quilted. From the comparison of return on assets, it is more reliable to invest in real estate.
But here, you should also consider your area. If you are in a big city, 500,000 yuan is not enough for the down payment, it is not bad to buy some wealth management products. If you are in a small city, buy a suite and pay a down payment, leaving some money for living and consumption. If it is in the countryside, it is huge. You can manage your money and spend more.
Second, look at your income. If your income is high and stable, it is not bad to invest in a house. If your income is not high and unstable, then your investment business is still relatively reliable.
It also depends on the family situation. The family burden is light, and it is not bad to invest in buying a house. If there are old people and young people at home, you'd better buy some wealth management products. The kind that can be realized at any time.
The most important thing is to look at your own housing situation. If you don't have a house and you're getting married. Then there's no choice. If there are several houses, there is no need to consider buying a house.
The above is just a rough suggestion. The best way to make money is Qian Shengqian. However, any investment will have risks, but the size is different. The most important thing is to consider the risk and return rate of investment at all times.
How to manage 500 thousand spare money, individuals should choose according to their own financial needs and financial goals. Treasury bonds and P2P wealth management products are suitable for long-term investment and obtain high returns; Bank wealth management products and Yu 'ebao products are suitable for short-term investment, and the income is also good. If stocks and funds are still losing money for several years, it is better to switch to risk-free areas as soon as possible, and the investment depends on the number of days.