With100000 change in hand, it is safer to keep the interest rate of bank time deposits at a low level, and the rate of return on regular financial management is higher than that of bank time deposits, but it is not flexible.
0 1. Put the expenses for half a year in the balance treasure to ensure the flexibility of funds.
Although the income of Yu 'ebao is declining year by year, it is famous for its flexible income and can be used as a mobile e-wallet in daily life.
My monthly expenses are about 3,000 yuan, so I will put about 10000 yuan in the balance treasure for standby, and I have accumulated an extra income of 1000 yuan in a few years unconsciously, so don't worry at all.
If you really want to use the money to arrive in the account quickly within 15 minutes, it is very convenient and quick to withdraw cash.
02. There should be no less time deposits in banks to ensure the safety and flexibility of funds.
Although the income of bank time deposits is lower than that of regular financial management, I still suggest to deposit some bank time deposits, which can be withdrawn in advance when a large amount of funds are urgently needed, but if they are not due, they can only be calculated at the current interest rate.
This proposal takes 30,000 yuan and puts it in the bank for three years, with a medium annual income of 3.2%.
03. Alipay conducts regular financial management for one year to ensure stable income.
At present, the income of Alipay's one-year regular wealth management products is generally around 4.5%. Now if you buy 20,000 yuan at a time, you can get a red envelope of 3 1.88.
In addition, Alipay is also connected to bank time deposits, and the 362-day page shows that the yield is 4.88%, which is worth having.
I have always believed that financial management should put the safety and flexibility of funds first. The best way to ensure the security and flexibility of funds is bank time deposit and balance treasure, and finally the pursuit of stable income. Never covet high interest rate, because the risk is too great, it is easy to lose the principal, but you don't know that you covet his interest, but he is planning your principal.
Hello, let me answer the questions raised by the landlord. If I want to have 654.38 million savings on hand, I will divide it into four parts. The first part is deposited in the bank regularly for urgent use in the future. It is difficult to borrow money from relatives and friends now, and online loans will also have interest. If there is an emergency, it will be more reassuring and handy to use. The second part of investment and financial management achieved Qian Shengqian. As the saying goes, it is not bad to ignore you if you don't manage your finances. It is equivalent to a sideline, and it can also reduce the financial risks of families, killing two birds with one stone; The third part is used to buy insurance. Insurance is still very important for a family now, and there are many types of insurance. Medical treatment, accident and life insurance should be decided according to the actual situation of your family. If you are in a high-risk occupation, you'd better buy yourself an accident insurance. Parents with senile diseases at home should also buy a medical insurance. As the saying goes, "if you are sick, you will have a sick mountain" to ensure that your family and yourself have no worries; The fourth part is used to spend money to improve the quality of life. It is necessary to improve the quality of life appropriately. If you are the pillar of a family, it is not easy for your wife and children to accompany you all the way. Improving the quality of life on the premise of solving the problem of food and clothing is also a reward for family members. It is also a good way to solve family conflicts.
The above is my own opinion. As for the proportion of these four parts, you need to adjust and change according to your family situation, and you need to use your own brains. I hope it helps you. I'm exhausted after playing so many hands.
I am very happy to answer: "I have 100 thousand change in hand." Is it a bank deposit or financial management? " This question. First, let me analyze your problem. There are three key words in this question: money, banks and financial management. "Money" is money, and money is the product of commodity exchange. Generally speaking, the function of money is for consumption, and its ultimate purpose is also for consumption. "Bank" is a legally established financial institution engaged in monetary and credit business. Banks are the product of the development of commodity currency economy to a certain stage, and banks are one of the financial institutions. Banks are divided into central banks, commercial banks, investment banks, policy banks and the World Bank, with different responsibilities. The "bank" in your question should be what I generally call "commercial bank". Commercial banks are one of the most important financial institutions. Its main business scope includes absorbing public deposits, issuing loans and discounting bills. The role of the bank: the bank is an enterprise dealing in money, and its existence is conducive to the collection and financing of social funds. It is a very important member of financial institutions. On the one hand, the bank's business is to collect idle monetary funds and small-amount monetary savings in society by absorbing deposits, and then lend them to people who need to replenish money in the form of loans, in which the bank acts as an intermediary between borrowers and lenders. On the other hand, the bank handles the payment and settlement of money for commodity producers and businessmen, and he also acts as a payment intermediary. In short, banks act as credit intermediaries. "Financial management" refers to financial (property and debt) management for the purpose of maintaining and increasing financial value. You mean100000 change here. If this100000 change is used for financial management, it is the preservation and appreciation of change. Now your question is very clear. You have100000 change (you don't spend it for the time being, but you will spend it eventually). Do you want to deposit it in the bank? Or financial management?
Then I will analyze the advantages and disadvantages of putting money in the bank and managing money with money. Money is deposited in the bank, that is to say, money is deposited in the bank, so there are several ways to deposit money in the bank, such as demand deposit, time deposit, agreement deposit and notice deposit. As we all know, demand deposit is very flexible, but the income is relatively low. You can deposit it at any time and withdraw it at any time. If you need your own change anytime and anywhere, then you should choose a current deposit. Time deposits are generally divided into three months, six months, one year, two years, three years and five years. The income of time deposits is generally higher than that of demand deposits. You can choose the deposit period according to the use time of your change. Agreement deposits and notice deposits are generally not used by ordinary people, so I won't go into details here. The principle of bank deposit is voluntary deposit and free withdrawal. It is safer to put money in the bank, but the disadvantage is that the income is not high. If it is preserved for a long time in the context of inflation, the money will easily depreciate. Financial management is different from deposit. Although financial management aims at preserving and increasing the value of property (mostly money), it also covers risk management, because there are many uncertainties in the future, and your money may increase in value or lose money. There are several ways to manage money: 1. Bank management. The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products. 2. Financial management of securities companies. Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing products according to different needs and investment preferences. 3. Insurance financing. Insurance financing tends to be long-term, focusing on long-term education planning and pension planning, while solving medical and accident protection problems. 4. Investment enterprise financing. Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers. 5. mobile App financing. Generally speaking, it refers to a treasure or a letter of financial management. This kind of wealth management income is higher than the bank's demand deposit income, and the withdrawal will be more flexible and safe than the bank. In a word, financial management is different from deposit, which is risky and needs to be cautious when entering the market. If you want to manage money and ensure the safety of capital principal, I suggest choosing capital preservation products in bank financing. If you want to get high returns, I suggest securities companies to manage money. If you want to plan insurance financing for a long time, if you want to have higher and more flexible returns than bank demand deposits, you should choose mobile App to manage money! Financial management needs financial management knowledge and risk awareness to avoid and reduce risks. If you really want to manage money, you must learn while managing money, and you need to have a long-term vision and long-term planning!
To sum up, should100000 be put into the bank or managed? You must have a good idea!
I am a financial planner and financial columnist: Leshan Giant Buddha, and I am honored to answer this question.
The right one is the best. According to your own situation, choose to put the bank or manage money. Generally speaking, if you can't take risks and seek stability, put it in the bank. If you can take certain risks, buy other kinds of wealth management products.
For financial management knowledge, if you are interested, please pay attention to the official account of WeChat: Internet Finance Giant Buddha Chat (ID:lsdf628).
The amount of100000 is not large, so the investment does not need to be too scattered. Mainly consider the flexibility of capital utilization, and put 50% of the capital into stable wealth management products. It should be noted here that we should not only look at the income displayed by the fund products, because the products have the purchase date and the income generation date, and the general income will be less than the displayed income. You can buy a stable product with a term of 365,438+0 days, and choose to roll over, so that the investment will generate income according to compound interest, and the annualized income can be.
Another 40% of the funds choose 365-day stable fund products, and the annualized income can basically reach 4.5%. They also choose to roll over, and the income becomes more obvious with the increase of time.
The remaining 10% funds can choose index funds and be prepared to hold them for 3 to 5 years. Index funds will find a higher selling point because of long-term economic fluctuations, and can basically earn 10% a year. This kind of fund selects some mature funds, which are considered as high-risk investments according to the income over the years.
Engaged in financial business for many years, I share some suggestions for reference only:
First: from the perspective of security, we can consider putting time in the bank, with less interest, but there is no risk in security.
Second: From the convenience, you can consider Alipay or WeChat, and you can use it at any time if you are interested.
Third: From the profit point of view, we can consider the top-ranked funds such as Oriental Fortune and Straight Flush, and it is no problem for Coke to outperform the bank.
Fourth, we should still consider regular stock futures from the perspective of profit, but there is a threshold that has not been accumulated for many years, remember! ! !
I hope some suggestions will help you.
In fact, financial management and deposit can be combined, and simple choice is not the way to maximize income. Besides, it depends on what you want to achieve. If it is only a steady general investment, it is ok to deposit in the bank or buy low-risk wealth management products from the bank. In other words, you can optimize the allocation of funds as much as possible to maximize the income. In particular, if you want higher returns, you can consider hybrid funds and equity funds.
In fact, banks are also a way of investment. In addition to general deposit products, banks have also issued many non-guaranteed floating wealth management products. In contrast, the risk level of floating income wealth management products is higher, which needs to be determined in combination with their own financial risk preferences.
I think 65438+ ten thousand yuan. If you want to earn more, you can consider a longer term deposit. For example, some city commercial banks or private banks on Jingdong Financial APP still have a few deposit interest rates above 4%. In addition, part of it can be transferred to money funds such as Yu 'ebao or Change Pass, which can not only meet the liquidity demand of daily living expenses, but also have a seven-day annualized rate of return of nearly 3.0%.
Generally speaking, according to your personal financial preferences and risk tolerance, money funds and time deposits (with interest calculated regularly) can be selected. At present, the yield of bank wealth management products is facing greater downward pressure (the central bank has started to put in 1.2 trillion yuan of liquidity through open market operations on February 3), and of course, the deposit interest rate level may also decline in the future (the possibility of opening the interest rate reduction channel will increase), so hurry up.
If I have100000 change in my hand, I can go to play, travel, buy things I like and go where I want to go …
But back to reality, it is difficult for ordinary people to save hard money. I will take out 50,000 yuan on hand and deposit it in the bank regularly, 40,000 yuan will be taken out to buy funds, and the bank current card will leave 1 0,000 yuan for my usual expenses.
Will I live a full life? Actually, I don't have that much money on hand. These plans are my ideas. I think it will come one day through my efforts. Haha, I will be a rich woman.
If I were you, I wouldn't deposit my money in the bank first, because the interest rate in the bank is very small and the currency is shrinking now. You should make this money move, flow, invest, compound interest and generate value. Of course, investment is risky. If you are a person with stable demand and don't like tossing, I suggest you deposit in the bank and keep your feet on the ground! If you are like me, you should consider investing, for example, to see if there are any short-term quick-acting projects, such as opening a small shop to sell best-selling food, or opening a small shop, or opening a tea shop and other more personalized things to earn the difference, and so on. In this way, you have a chance to make it compound interest, make it Qian Shengqian, and slowly change your life. Of course, there are many other ways. Speculating in stocks, buying futures or buying insurance are all good choices. The key depends on how you choose.