You have 1.5 million yuan of spare money. What is entangled now is whether it is better to invest in financial management or to deposit it directly in the bank regularly; I can only tell you that each has its own advantages and disadvantages. It depends on your pursuit and purpose to decide whether to invest or deposit in the bank.

There are many kinds of investment and financial management, as follows:

The lowest risk is savings, that is, deposits;

Followed by low-risk bonds and funds, low risk and low income;

Or bank wealth management products, of course, bank wealth management products have medium and high risks, and different risks have different returns;

Then there are high-risk and high-yield stocks, futures, gold, foreign exchange and other products;

There are also online investment and network platform investment similar to P2P;

The last point is industrial investment, investment in companies, investment in stores, and investment in various businesses you belong to;

(1) First, recommend the safest investment method.

The most stable and safest investment is to deposit your 654.38+0.5 million in the bank, which is also divided into different deposit methods, deposit time, deposit varieties, final interest and capital liquidity;

The lowest interest rate with the strongest liquidity is10.5 million yuan in the bank, with an annual interest rate of 0.35%. There is not much interest in a year, which completely exceeds the increase of CPI.

Then there is the bank time deposit, with a fixed term of10.5 million yuan in the bank. Bank liquidity is not strong and limited, and the interest is about 1.5% ~ 4.5%, and the interest is average;

Secondly, the bank's smart deposit, the interest of the bank's smart deposit for one year, can get about 4%, which is more regular and more liquid than the deposit bank.

The last deposit model is the most worth saving, which is the large deposit certificate of the bank, with high interest, high security and strong liquidity. The biggest advantage is that it can be mortgaged and transferred. At present, your spare money10.5 million yuan can be deposited in a small bank's large deposit certificate with an annual interest rate of 5%~5.5%, which is the most cost-effective deposit, with guaranteed capital and interest.

(2) Investment banking wealth management products

Bank wealth management products are high school and low risk, so this must have its own recognition ability. In fact, bank wealth management products can invest in low risk, but the annual interest rate of low-risk wealth management products is below 4%. Some wealth management products with medium and high risks are above 6%, and some are even 10%. However, this kind of wealth management product is unreliable, blindly pursuing high interest rates, and eventually even the principal is lost.

(3) stable investment varieties

Steady investment varieties are bonds and funds, which I believe are familiar to everyone.

The daily band of bonds is very low, the risk is very low, but the income is also very low; The reverse repurchase of government bonds is worth investing, with daily interest settlement, and the reverse repurchase of government bonds in one day, and the interest rate is between 4% and 5% after one year. This is a good investment choice.

Fund investment is actually similar, the same band is very small, and the band yield of one penny a day is too low; Money funds such as Yu 'ebao, Bitcom and Small Treasury have low yields, but the principal is guaranteed, but the interest is not guaranteed. It is also a good way to invest and manage money with spare money.

(4) Industrial investment by ability

Now it is hard to do business because of the impact of online merchants. Now many things are networked, and investment shops are basically working for landlords; There are too many bubbles in the investment real estate market; The amount of investment company is too high; In short, at present, 1.5 million yuan can only be invested in stores and small businesses, but it is not easy to do it now. If it is not done well, it will even lose 1.5 million yuan. Investment in industry is not recommended. I suggest you invest in wealth management products.

(5) Investing in high risks and high returns.

The first recommendation for investing in high risk and high return is the stock market. Investing in the stock market is a margin operation. If you invest 1.5 million yuan in the stock market, it depends entirely on your personal ability to eat. If the investment is good, it will be replaced by 300,000 yuan, and if the investment is not good, it will be replaced by 1.5 million yuan. Then there are higher risks and higher returns, such as futures, gold and foreign exchange. You are not advised to invest in these varieties. The risk is too high, it is better to stay away.

The above is my personal investment and financial management plan and explanation of 6,543,800+0.5 million, which can be considered from different angles;

The only thing I want to protect the capital and interest is to deposit RMB 6.5438+0.5 million in the bank deposit business, and the large deposit certificate is the best;

If you want to ensure that the principal is stable and interest-free, you can pursue bonds, funds and so on. In the ideal band;

If you want high risk and high return, the investment with strong liquidity is10.5 million in the stock market;

The above is my personal investment plan of RMB 6,543,800+RMB 5,000, for reference only.