You don't need it for five years. It's easiest to deposit it directly for five years. In addition to security, interest rates are not low. At present, the five-year deposit interest rate of many local banks can reach more than 5%, and the highest can reach 5.5%. So saving a five-year deposit is the simplest financial plan.

If you want to get higher returns, you can choose bank wealth management products, most of which are within one year, with the highest yield of 5.5%. However, since the interest is settled once a year, the income can be used as the principal for the next investment. Therefore, if the interest rates are equal and the term is five years, the income of bank wealth management products will be higher.

Step 4 trust

Many trust products are actually financed by borrowing. Due to the strict restrictions on the financing conditions of real estate enterprises, many real estate enterprises package their financing needs into trust products and entrust them to banks for issuance. Trust is risky, because it is basically a real estate development loan, but because of the overall upward trend of the real estate market in China, it was paid as scheduled. In addition, the guarantor and collateral are added, and the overall risk is more controllable. According to the scale of financing, the starting point of trust is 6,543,800,000 yuan, 3,000,000 yuan and 5,000,000 yuan, and the minimum rate of return is generally above 6.5%, and 6,543,800 yuan is just enough for the minimum starting point of trust.

3. The fund will make a fixed investment.

Fixed fund investment refers to a fixed amount (such as 5,000 yuan) invested in a designated open-end fund at a fixed time (such as 18 days per month), similar to the bank's zero deposit and withdrawal method.

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatic bargain-hunting plus code and bargain-hunting minus code. No matter how the market price changes, it can always get a lower average cost. Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.

It should not be difficult for the fund to hold a fixed investment for five years, and the overall income should be above 10%.