654.38 million yuan can be used for asset allocation, investment in different products, wealth management, fund and stock allocation. Investors should allocate according to their own risk tolerance and expected returns. If investors are conservative, they can invest 60% of their assets in wealth management, 30% in funds and 10% in stocks. If investors are fund-based, they can allocate 60% stocks, 20% funds and 10% wealth management. 1. Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance. Financial management includes enterprise financial management, institutional financial management, personal financial management and family financial management. Human existence, life and other activities are inseparable from the material foundation, which is closely related to financial management. "Financial management" is often used together with "investment and financial management" because there is investment in financial management and financial management in investment. The so-called financial management is not only to invest financial resources, but also to be invested. If you don't know how to be invested, you don't know how to invest better. Second, the word "financial management" first appeared in the late 1990s, according to the statistics of Wang Zhongyin Data Center. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular. Personal wealth management can be roughly divided into personal assets and personal liabilities. * * * There are funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets. Personal housing mortgage loan and personal consumption credit belong to personal liabilities. 3. At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies. 1. Bank wealth management: At present, 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: Financial management of securities generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences. 3. Investment company financing: Investment company financing generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It needs high initial capital and is suitable for high-end financial people.