William sharpe, the winner of the Nobel Prize in Economics, pointed out: "A successful investor owes 9 1.5% to the correct asset allocation, 4.6% to the skill of choosing investment targets, 1.8% depends on the timing of entry and exit, and 2. 1% must be blessed by God." This fully shows that among all the factors that create income, the ability of large-scale asset allocation to create income is above 90%, so the focus of investment and wealth management and wallet protection should be on asset allocation. Then, with 100,000 yuan in hand, how can we manage money?

1, the safest: bank wealth management products with guaranteed capital and interest.

Guaranteeing capital and interest, as the name implies, is a steady profit without loss. As for how much you can earn ... in contrast, the yield of government bonds will be higher, but as we all know, it is difficult to buy government bonds unless you have acquaintances.

2. Slightly higher income: bonus hunter P2P platform financing.

Don't feel like a liar when you listen to P2P. Nowadays, many P2P platforms are very large and standardized, and they will not run away with money. However, according to relevant regulations, P2P can't publicize its own capital preservation and interest protection, which will give people a higher sense of risk.

It is suggested to choose some well-known P2P platforms, and there will be preferential policies for newcomers, such as doubling the income of the first financial project of newcomers, investing 1000 and then 1 month conversion 10%. Then 5W yuan is divided into many parts to harvest the wool of these platforms, which not only has high income, but also has almost zero risk.

Why not recommend stock and fund management?

Stock returns are high, in other words, risks are high. 100000 There are only two or three stocks that can operate perfectly. According to the current uncertain market trend, most stocks lose more and win less. At present, investing in stocks is risky and not recommended. The annual income of the fund is estimated and cannot be used according to the actual market. So it is not recommended.