According to the problem, after calculation, the average annual return on investment is about 6.6%, which is higher than the current one-year fixed deposit rate of 3.25%, and there are certain risks. In fact, it's just about the same as the current inflation rate, which can only keep your assets barely preserved. However, this is also on the premise that the inflation rate will not continue to rise. As long as the inflation rate keeps rising, your real assets will shrink.

You can compare the interest rates of banks:

1. The deposit interest rate is relatively low, so is the bank interest rate, with an annual interest rate of 0.35%.

2. The current interest rate of time deposit is: 3-month fixed deposit and withdrawal in lump sum,1.60%; Half-year lump sum deposit and withdrawal,1.80%; 1 year fixed lump sum deposit and withdrawal, 2.00%; 2-year lump-sum deposit and withdrawal, 2.60%; Three-year lump sum deposit and withdrawal, 3.25%.

3. Buying wealth management products can also be purchased in banks, and the annualized rate of return will be higher than the bank deposit interest rate; General wealth management products can be purchased by commercial banks or non-bank financial institutions through traditional channels such as banks, insurance companies, securities companies, futures companies and fund companies.

Emerging channels include: third-party financial institutions and comprehensive financial service institutions, such as Alipay and Lucky Treasure.

4. There are certain risks in purchasing wealth management products, so please choose carefully.

Other financial management methods

1. Bank financing. In recent years, bank financing can be said to be very hot. Both young and old people have joined the ranks of financial management and regarded it as a safe haven. Although the rigid redemption of wealth management products has been cancelled after the new asset management regulations, people's enthusiasm for purchasing wealth management products has not weakened at all, and the guaranteed income has become a thing of the past, but many people who have experience in purchasing wealth management products can find that although wealth management products no longer guarantee the guaranteed income, the final income is almost the same as expected at the time of purchase.

2. Fund. Many of us have bought funds, which are less risky and have higher returns than the stock market. I recently searched for funds in Weibo. Because of the influence of the stock market, funds rose rapidly and many people benefited. There are also many kinds of funds. If we are stable, we can buy money funds and bond funds with low risks and low returns. If you are risk-oriented, you can buy some hybrid funds with high returns and high risks.

Of course, there are many other financial management methods, such as buying gold, foreign exchange, fixed investment, trust, p2p and so on. But I think the ultimate goal of financial management is to preserve and increase value, but the premise is to ensure that the principal is as safe as possible.