500,000 yuan deposit in the bank. Nothing is safer than this. It can be understood that the principal is guaranteed.
Moreover, fund products are risky, even money funds with stable returns are risky. Moreover, different types of funds have different risk levels, so investors should choose according to their own risk preferences, otherwise it will easily cause unnecessary losses.
Income bank time deposit
Generally speaking, the longer the term, the higher the interest rate, and the 5-year fixed deposit interest rate will definitely be relatively higher. But the liquidity is too poor, so most investors prefer three-year time deposits. At present, the benchmark interest rate for three-year bank time deposits is only 2.75%. If you pursue high interest rates, you can choose a large deposit certificate with a principal of 500,000. It is also a deposit product, but the interest rate is higher than that of ordinary time deposits, but according to the current market situation, it is difficult for the annualized income to exceed 4%. The deposit interest rate is getting lower and lower, but it is still worth investors' participation. It is worth noting that asset allocation should be adopted and part of the funds should be invested in bank time deposits.
Fund products
Everyone knows that there are various types of fund products, taking low-risk money funds and bond funds as examples. The annualized income of the money fund is getting lower and lower now, and its advantage is even worse than that of bank time deposits; Bond funds will have a wider range of income and a slightly higher risk.
Generally speaking, the income fluctuation of money funds and bond funds is small, so it is difficult to give full play to the advantages of fixed investment of funds. Therefore, investors are not advised to invest in these two types of funds with a principal of 500,000 yuan. One-time purchase is more suitable than investment fund.
Of course, according to investors' risk preference, partial stock funds can be selected for fixed investment, including index funds, hybrid funds and equity funds. This fund fluctuates greatly. Choosing the fixed investment method of the fund can reduce the investment cost and eliminate the short-term market fluctuation in the process, without worrying about the buying opportunity. As long as you firmly hold a good fund, the probability of final profit will be higher.
It is worth noting that since 500,000 yuan can be used for the fixed investment of the fund from the beginning, this method is a waste of funds. Assuming that the fixed investment period is two years, taking the monthly fixed investment as an example, it basically costs about 20,000 yuan per month. Because the investment cycle is long and the initial capital investment is small, most of the funds will be idle, which is actually a waste.
At the same time, if you choose to invest all 500 thousand in partial stock funds, the risk is too high and too concentrated. This method is too radical and not suitable for ordinary investors, so we should choose a more robust allocation method. It is best to diversify investment and risk in investment and financial management. As mentioned earlier, the principal of 500,000 yuan is not suitable for all bank time deposits, nor for all partial stock funds to vote. But the combination of the two can become more stable.
Asset allocation and other investments, such as 0.2 million/200 thousand, are used to participate in large deposit certificates. The threshold is just right, you can get a relatively good deposit interest rate and the principal is very safe. The remaining 300 thousand can be used for fixed investment, choose two or three different types of high-quality funds, and then resolutely follow the fixed investment plan. In this process, if you are worried about the waste caused by idle funds, you can first invest part of the funds in short-term deposits according to a fixed investment cycle, so as to maximize the use of funds and realize wealth appreciation.
Finally, the way to invest in financial management is not only bank time deposits and fund products, such as bonds, gold, stocks and so on. However, based on the principle of risk preference matching, you should have some understanding and experience in investment and wealth management products. Generally speaking, investment and financial management should be based on their own financial needs, rather than just looking at income or only participating in a certain type of financial products. Only by choosing the way that suits you can you manage your finances better.