It is impossible to deposit10 million in the bank, and it is impossible to deposit all current deposits. Leave a demand deposit of 500,000 yuan, and expect to buy all wealth management products on a regular basis, with an annualized income of about 4.5. In this way, it can reach about 450 thousand yuan If you are in a first-tier city, the family's basic life is still quite good, and there are savings in second-and third-tier cities.

One: Maximizing benefits means getting the maximum benefits with the least investment, and ensuring that all transactions achieve the maximum benefits between customers and enterprises.

Two: The essence of capitalists is to maximize the benefits and ruthlessly extract the surplus value of workers. The so-called benefit maximization is to get the maximum benefit with the least investment. In this money-oriented society, it cannot be said that everyone, at least most people, runs their own lives in this way, including money, career, emotion and so on. , involving every corner of our existence.

Three: When we use this standard to demand ourselves, we will become very careful. We hope that everything can be listed by mathematical formulas, and we hope that it will have a high cost performance. Take blind date, for example. Funny people say that we will have a blind date after the year, get married or blow it off before August 15, and the investment will be less.

Four: Of course, this is a joke, but it truly reflects a reality. This rule is understandable in economy, but unacceptable in emotion. But in this materialistic society, everyone wants to be less hurt, so more or less, when thinking with others, they all close themselves up, hoping that others will treat themselves better than themselves.

Capitalists have always been mercenary, and capitalist society is full of interests. Because the means of production are privately owned by capitalists, workers have nothing but selling their own labor to make a living.

This determines that the capitalist labor process has the following two characteristics: first, workers work under the control and supervision of capitalists, and their labor belongs to capitalists. Second, the products of labor also belong to capitalists. In order to exploit more surplus value, capitalists not only extend working hours, but also increase labor intensity to strengthen the exploitation of workers, so that workers consume more physical and mental energy in the same time.

If you have 6.5438+million in your hand now, how can you use it to realize value-added?

If you have 6.5438+million in your hand now, how can you use it to realize value-added? Some people may think these questions are "very classy". With the increase of wealth, the original details become more and more important.

Everyone has different combinations according to their own risk preferences. For myself, 6,543,800,000 people choose fixed-income trust products that pay interest on a quarterly basis, and then use the interest to buy bank open-ended wealth management and fixed-investment index funds.

If the income is unstable, it is necessary to rationally allocate the idle cash of 654.38+million. Except 10% of the living money is reserved for living and dealing with emergencies, the rest of the money needs to be invested in proportion.

I don't recommend investing in the stock market. I can consider funds because I don't have any investment experience. The fund's fixed investment will be more worry-free, and the requirements for personal investment experience are not high. What you need to do is to observe discipline and deposit money in the bank card. Of course, in order to avoid idle funds, you can first buy live money into a money fund and then plan to deduct it from it.

Annuity insurance or whole life insurance can be paid in several years, and the cash value of the policy can be recovered quickly. In case of unstable work, you can lend cash through policy loans, and you only need to pay a little interest, and the original protection interests will not be affected. Of course, if the funds are really tight, you can consider reducing the insurance and withdrawing cash.

Insurance is a long-term asset allocation idea. The safest way is to set aside a sum of money and lock the interest rate in advance. With the accumulation of time, the value of the policy account keeps increasing, increasing its wealth in a certain, safe and steady way to cope with many other uncertainties.

But in terms of overall income, you can understand which is better and which is worse by comparing yourself. Because concepts and ideas are different, each has its own responsibilities, so don't confuse them.

Finally: financial management is risky and investment needs to be cautious. I wish everyone can achieve the small goal of 10 million levels.

How to manage money for 10 million

If your personal assets reach10 million, you can invest and finance according to the following steps:

1, leaving enough money for living expenses and emergency use, about 2 million;

2. Hold some valuable stocks for a long time and invest about 2 million yuan;

3. The money fund is a good deposit platform, and 3 million yuan can be used to buy the money fund;

4. Real estate is still the most reliable investment method now, and 3 million can be used to buy real estate.

If you don't have the assets of1000000, you don't know the real investment way of1000000. What we can see at present are some research and analysis reports.

Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value of assets, thus accelerating the growth of assets.

The word "investment and financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular.

Financial management is to manage the wealth of a lifetime, not to solve the problem of urgent need for money, but a sustainable circular process.

Financial management is cash flow management. Everyone needs to use money, earn money and generate cash inflows when they are born. Therefore, no matter whether there is money or not, everyone needs to manage money.

Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow or cash outflow.

Trust financial management is a kind of property management system, and its core content is "entrusted financial management". Specifically, it refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor. In 20 10, the issuance scale of the trust market was 3 trillion, with an annual growth rate of over 30%.

Trust products are products issued by trust institutions and sold through banks, securities companies and professional independent financial management companies. The income of trust wealth management products can be fixed or floating. The mainstream products in the market are still dominated by fixed rate of return, with an annual income of 9- 13%, which is the biggest selling point of trust wealth management products. Trust plan products are generally infrastructure trust plans with excellent qualifications and stable income, and most of them are guaranteed by third-party banks, which is slightly safer than simple trust investment projects. At the same time, in the process of investment, banks will constantly monitor and track the trend of loans to avoid the investment risks of trust projects to the greatest extent.

Insurance companies should follow the principles of safety, confidentiality and stability when conducting Internet insurance business, strengthen risk management, improve internal control system, and ensure transaction security, information security and capital security. Professional Internet insurance companies should adhere to the basic orientation of serving Internet economic activities and provide targeted insurance services. Insurance companies should establish management systems and necessary firewalls for their non-insurance subsidiaries such as e-commerce companies. Insurance companies selling insurance products through the Internet shall not make false statements, one-sided or exaggerated propaganda, or make misleading descriptions such as illegal promises of gains or losses. Internet insurance business is supervised by the China Insurance Regulatory Commission.