First of all, let's be clear: the money put in Yu 'ebao is not a deposit, Yu 'ebao is a monetary fund, and the money put in Yu 'ebao is just a form of investment and financial management. Funds are funds, and deposits are deposits. Don't confuse them.

Whether it is investment or financial management, the most concern is safety, so is Yu 'ebao safe? Putting funds in Yu 'ebao is risky in theory, and the money fund may still lose money, and it is not protected by deposit insurance.

Secondly, it depends on whether the 654.38+million yuan is not used for a long time or used in the near future. If you want to use it in the near future, according to the monthly expenditure, it will be kept in the balance treasure for about 3-5 months, with strong liquidity, as an emergency reserve fund for daily emergencies. The rest of the money will be used for longer-term and higher-yield financial management. In terms of financial management, I suggest you manage your finances through bank channels.

At present, there are many ways of personal investment and financial management: deposit, national debt, fund, gold, trust and insurance. Different products have different investment starting points and corresponding risk levels. The characteristics of each channel are different, so what kind of investment channel you choose depends on your age, investment preference and risk tolerance.

If 654.38+10,000 yuan is not used for the time being, we can consider dividing it into two parts, one part is to buy 6- 12 months of wealth management products; Some people buy wealth management products for one year or more. Combining long and short, even if you need money urgently, you can turn around.

In short, investment and financial management should proceed from their own real needs, make reasonable arrangements for investable assets according to their own investment management, financial ability and risk tolerance, and consider various factors such as risk level, liquidity demand and income demand when making arrangements. Everyone's needs are different, and the investment and financial management plan should also be different.

If I have a deposit of 6,543,800 yuan, how to do it depends on my overall situation.

1, in the case of stable income, I will force myself to save at first, and this 10w I may make a fixed deposit or buy government bonds. If it exceeds 5w on a regular basis, the general interest rate will also increase. For example, most banks can reach above 3.5% (calculated in three years), and some banks can reach 4. 1% in three years and 4.875% in five years. Or you can buy national debt, which is generally +065438+ 10 every year from March to June, with interest of 3.9% for three years and 4.2% for five years.

2. If you have compulsory savings, this 10w may be allocated as a living allowance for emergencies. In this case, I will put a similar balance product, but not in Yu 'ebao, because the income of Yu 'ebao is too low now. I may put it in some fund companies with banks as shareholders. Their baby products have higher income than Yu 'ebao, and there is no quota limit. Moreover, their income is higher than that of Yu 'ebao, and they can also be taken at any time. Of course, you must not use them in Taobao shopping (of course, this can be solved in a flexible way).

3. If the compulsory savings and emergency living expenses are distributed, there will still be 10W spare money, and I will consider other investment channels or financial management for the rest. Of course, individuals may still prefer funds. After all, personal ability is limited, and there is not much time, mainly to save trouble and make profits. In addition to funds, there is another possibility to buy some stocks of IT companies, US stocks or Hong Kong stocks, but this person has not played yet, just think about it!

4. If I only have this 10w and nothing else, then I may open 55 yuan, with half of it still on a regular basis and the other half invested in baby products or funds. After ensuring the safety of 1.5% of the money, use the remaining money to get bigger and safer income as much as possible. Personally, it is not recommended to invest only this money in some high-risk projects, and it is possible to lose everything and lose all the life-saving money.

Summary: How to use the core of a sum of money depends on your actual situation and needs. No matter what investment is the first choice, please ensure the safety of the principal. Any investment should also be rationally allocated according to its own ability, rather than blindly pursuing high returns.

Let me talk about my choice first: I won't do either. If I have a deposit of 6,543,800 yuan, I will neither save Yu 'ebao nor manage money, but buy bank shares and hold them for a long time.

Why? The first is Yu 'ebao, whose interest rate is already very low. The annualized income for seven days is only 2.0070%, which is similar to the fixed deposit rate of bank deposits.

A large sum of money of 654.38+ 10,000 yuan is not cost-effective in the balance treasure. Personally, I think the money in Yu 'ebao should not exceed 1 10,000 yuan to meet the daily payment.

As for financial management, banks do not have financial products with guaranteed capital. The existing wealth management products are not guaranteed, and there are risks in theory. Of course, the risk is not high. But some time ago, the wealth management products of big banks all exploded.

In fact, according to the interest rate, the bank's wealth management products are not high, many of which are around 4%, and they have to bear risks. Personally, they are not a good choice for financial management.

Then, if you don't choose Yu 'ebao or the bank's wealth management products, what should you do with this 654.38+ 10,000 yuan?

Personally, I will choose to invest this 654.38 million in the stock market and buy bank stocks, especially the stocks of the four major banks.

The risk of the stock market is enormous. For the average person, for the sake of stability, it is more appropriate to buy bank stocks.

Although the growth of banking stocks, especially the four major banks, is not as good as that of pharmaceutical stocks and technology stocks, they have the advantages of excellent performance, ultra-low P/E ratio and P/B ratio, stable trend and small fluctuation, and are especially suitable for stable investors.

If you buy bank shares and hold them for a long time, you can not only earn the difference, but also use the market value to make new shares. In addition, the annual dividend of bank stocks is not cheap. Together, it is a high probability that the annual income exceeds 10%, which is much more cost-effective than putting money in the bank.

Of course, radical investors can also buy stocks with good growth, but the risks are also great. How to choose depends on personal choice. The stock market is risky, so you need to be cautious in investing.

Whether investing or managing money, people are most concerned about safety. So is Yu 'ebao safe?

Putting money into Yu 'ebao is risky in theory, because the network environment is unsafe and an Internet account may be stolen at any time. However, according to Alipay's explanation, the stolen balance treasure will be paid in full. Alipay also said that once Yu 'ebao is stolen, Ping An Insurance, the partner, will pay the full amount to the user through theft insurance, and the claim method of Yu 'ebao theft insurance is similar to compulsory insurance.

What is the maximum limit of Yu 'ebao? The upper limit is adjusted from August, 2065.438+2007 14 to RMB 654.38+10,000, and the existing stocks are not affected. According to Yu 'ebao's explanation, after adjustment, if the user's money in Yu 'ebao is less than 65,438+10,000 yuan, he can continue to transfer funds; If it reaches or exceeds 65438+ million, it cannot be transferred into funds.

So does Yu 'ebao charge a handling fee?

There is no charge for transferring money to Yu 'ebao; There is no charge for the transfer of Yu 'ebao. From your own Alipay to others' Alipay, there is no charge; To the bank card, charge. Everyone has a free withdrawal amount of 20 thousand yuan. Each Alipay account only has this 20,000 yuan free quota for life, and it will be gone when it is used up. Except for the expenses of transferring your Alipay balance to the bank card, other expenses of using Alipay, including consumption, wealth management, insurance purchase, mobile phone recharge, water, electricity and coal payment, registration, payment of traffic fines, transfer to Alipay account with mobile phone Alipay, repayment and other services, are free of charge.

What is the income of Yu 'ebao? The daily income of Yu 'ebao is different, which is equivalent to an annual interest rate of about 4.00%.

Compared with bank deposits, the current annualized interest rate of Yu 'ebao is much higher than that of bank demand deposits, which is similar to the interest rate of bank three-year time deposits. It is more convenient and faster than bank time deposit, and can be consumed at any time. Compared with Licaitong, the annual income is basically the same, but it can be directly consumed, which is unmatched by Licaitong.

Peng Kun suggested that investors should put their money in Yu 'ebao within 50,000 yuan, and those with more than 50,000 yuan can buy some bank wealth management products, and the income is about 6%, which is much higher than Yu 'ebao. You can also choose p2p financial management, buy funds or invest in stocks, and the annual income can be above 10%. It can be doubled at most, but the natural risk is also high. You can choose a platform with a relatively high ranking, or you can disperse the fixed investment, which can greatly reduce the investment risk.

The income of Yu 'ebao is too low. In the past, 1 1000 days had a profit of 1 yuan, but now it is only a few cents.

If you manage your money well, you can still make a lot of money, but risks and benefits coexist.

That depends on whether you think 654.38 million yuan will be used in the near future.

1. 1 year will be used.

If 100000 yuan is to be used within one year, it can be put in the balance treasure, or the card can be changed or the bank can manage money for three to six months.

This kind of income is about 1.6% annualized. In other words, if you invest 6,543,800 yuan in this and these, you will probably earn 654.38+ 0.600 yuan.

Not for about two and a half years.

Suppose you don't use the money in a short time, say five years, 10 years. You can consider bank financing or a universal account for annuity insurance.

Then, like a bank's five-year financial management, its annualized income is around 4%. If it's a five-year business, if you deposit100,000, you can get about 20,000 in five years, but because bank financing is also uncertain, this is only a rough estimate.

If you mean to put this 100000 yuan into the annuity account. For many annuity accounts, he will attach a universal insurance. At present, the guaranteed annual interest rate of universal insurance is basically 3%. This 3% is compound interest, not simple interest. At present, the income of many universal insurance products is still annualized compound interest between 4% and 5.9%.

What about this universal insurance? There will be a handling fee of 1% when depositing. In five years? He will have a fee of 543,265,438+0%. What about you in five years? If you ask for this money again, there will be no handling fee. He only has 1% deposit.

What about the income from putting it into the universal account five years later? This is about 30 thousand yuan, which is 6.5438+10 thousand yuan. Five years later, the money will become about 6.5438+0.3 million yuan.

It may not be used for a long time.

If you don't use this 654.38+million yuan for a long time, such as buying an absolutely safe and stable one-time payment annuity product, in about 20 years, your 654.38+million yuan will become 200,000 yuan. And these are all written into the contract.

At the same time, it can meet the assumption that if you need money during this period, you can also take the form of policy loans, or reduce insurance and withdraw cash, which can also take care of the sudden need for cash.

If I have 654.38 million deposits, I must choose between Yu 'ebao and bank wealth management, and I will choose to buy bank wealth management products.

1. Yu 'ebao now has an annualized rate of return of about 2.6% in seven days, and the daily income of 10,000 yuan is about 0.64 yuan, which is too low. I don't think it's a good choice to put money in Yu 'ebao.

Second, the expected rate of return of bank wealth management products is higher than that of Yu 'ebao. 65438+ ten thousand yuan to buy bank wealth management products is more cost-effective. Let me show you my bank financing:

1, current wealth management

As for the money that may be used at any time, I will buy the bank's current wealth management products. The current wealth management products I mainly buy now are all from bank of dalian. Now the annualized rate of return in seven days is about 3.6%, and the daily income of 10 thousand yuan is about 0.96 yuan. Unlike Yu 'ebao, bank of dalian's current wealth management products can only be taken out at 9:00 15:00 on bank working days, as shown below. Other banks also have current wealth management products, some of which can be withdrawn at any time, but I haven't found a current wealth management product with a higher annualized rate of return than bank of dalian.

2, regular financial management

For money that is not used for more than half a year, I will buy the bank's regular wealth management products. The regular financial products I mainly buy now are from bank of dalian and Zheshang Bank. The expected rate of return of regular wealth management products in bank of dalian can reach 4.2%, and that of Zheshang Bank is 3.8%, as shown in the following figure.

So if I have 65438+ million, I won't put it in the balance treasure, I will buy the bank's wealth management products.

If you have a deposit of 654.38 million yuan, do you want to save Yu 'ebao or manage money? If I have 654.38 million deposits, I will deposit 30% in Yu 'ebao for wealth management, 40% as a long-term investment fund and 30% as a time deposit.

If I have a deposit of 6.5438 million yuan, there will be no balance treasure for me to buy money fund wealth management, nor will I buy other wealth management products, but I will manage my own wealth.

1. Why not put RMB 6,543.8+10,000 in Yu 'ebao to buy money fund financing, but do it yourself? 1, annualized rate of return is too low.

Today's annualized rate of return is 2.3 18%. If I put 654.38 million yuan in the balance treasure, it is equivalent to devaluing my own assets and helping others create wealth. Even if I am not short of money, I don't want my assets to depreciate every day, not to mention that I am short of money at present. And I myself have been studying wealth management this year.

2. Inconvenient access.

The daily transfer limit of Yu 'ebao is 10000 yuan. When you really need money, it is not convenient to take it.

Second, why not spend 6,543,800 yuan to buy other wealth management products, but do your own wealth management? 1. All wealth management products are risky.

For example, the familiar Z-line crude oil treasure incident. Then, why can't I do my own research and financial management? Under the premise of controllable risks, steady value investment can also achieve a certain target income every year.

2. The annualized rate of return of wealth management products is low.

It is about 6%, but compared with M2, it is only about 1/2, and assets will depreciate by half every year.

It takes a long time to win.

After purchasing wealth management products, during the corresponding period, the funds were occupied and the autonomy was lost. Usually, after the expiration of wealth management products, it takes several working days for funds to arrive.

Third, how do you manage your money? In my article "Shanghai Stock Exchange Index Trend Analysis and Financial Simulation Account 202005 10" (Health Investment 2020-05- 10), the optimized position design and parameters of financial account are as follows: ① 70% of second-tier/quasi-blue-chip stocks; ② Stock/index or stock ETF10%; %; ③ 20% position of growth stocks.

The optimization here is as follows: ① Blue-chip stocks, white-horse stocks, blue-chip stocks and second-line/quasi-blue-chip stocks each account for 70%; ② 30% growth stocks.

At present, the price of blue-chip stocks in the stock market is relatively expensive, while both white horse stocks and blue-chip stocks have experienced a callback for six consecutive months, and the price comparison effect is good.

In short, according to the stock selection plan and results in advance: ① Choose White Horse Limin GF734 or Blue Chip Li Hai R639；; ② Select Tuori XN2 18 or Hanyu YY 199.

Baima shares Huimin GF see:

Attached figure 1: depending on the expected performance, the incubation period is increased only by looking at the rebound;

Attached Figure 2: Fundamentals of White Horse Stock

See attached figure 3: 14 for details of tuori XN, and see the sword test effect.

To sum up, in 2020, wealth management was paid attention to in China because brokers were forced to change their business direction, which was regarded as a breakthrough direction. However, as an individual investor in the stock market, why don't you need to conduct your own wealth management research to realize wealth management?

Pay attention to @ health investment, share the happy life and health of Ankang for a long time in time, and make a stable profit at the trend price.

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