What should ordinary people do if they have 1 million?

Ordinary people who can have 1 million should have a stable occupation and income, have no debts, and can make an agreement deposit with commercial banks without considering investment and entrepreneurship, which is safe and secure. City commercial banks have a five-year deposit with an annual interest rate of 5.225%, and depositors can choose to pay interest monthly, quarterly, annually or with the principal. If you choose to pay interest on a monthly basis, you can get interest of 4,35 yuan per month, which is equivalent to the monthly salary of working in fourth-and fifth-tier cities.

It's really a dream for ordinary people to have a million dollars. If it really falls from the sky, many people are willing to burn incense every day.

but I estimate that if the average person has a million dollars, the rich people will have several hundred million dollars, and the money will be even less useful. Therefore, if ordinary people can have 1 million yuan, they still have to spend it on daily life, students going to school, old people seeing a doctor, buying a car and buying a house. Even in the county seat, I'm afraid I don't know if I can avoid forcing to maintain these expenses. It is not clear whether you can deposit money.

1 million is beyond the imagination of people who have no money. A rural family can only earn 1, yuan or 2, yuan a year, but they really can't earn money in previous years. Before the age of 3, a person spends money after the age of 6, and in the middle, they earn money for 3 years. Only 2, in 2 years a year, and 6, in 3 years, how much can you eat, drink and wear? I'm so happy to have 1 million at once, but I can't laugh when I think about it calmly. There are two old people in the world who have no serious illness and have to pay more than 1 thousand yuan a year for medicine. It's hard to say if they have serious illness. There are two students who earn 3 thousand a year. I can't drive the students and the elderly to see a doctor without a car. A car costs tens of thousands of yuan. Our house here is now more than 4 thousand without decoration. I don't know how much I got after renovation. What do you think this 1 million yuan can do? If you buy the house first, you can save a little, and the interest will not be much. If you can maintain the normal expenses at home without delay, it will be almost the same. If you dare to let the chickens lay eggs first, I am afraid that even the chickens will fly before the eggs are laid.

both ordinary people and ordinary people's ideas. If you buy a house first with 1 million yuan, you will feel safe if you have a house. I remember that when I was only reforming and opening up, we could buy a small courtyard at the edge of the county town, but now it is all in the center of the city. At that time, when my income was high, it was no problem to buy two a day because I didn't want to live in the city. Now it is impossible to rely on farming in the countryside, and I can't regret buying a house in the city for four or five hundred thousand. The second is to buy a car. Now it is more convenient to have a car without a car. In addition, others are talking about moving forward slowly, and they can pay the pension insurance. Financial management is not the pursuit of ordinary people, because we earn interest and deposit money in the guarantee company, and as a result, the guarantee company collapses, and our people here are also afraid.

well, tell a joke! More than ten years ago, I was chatting with a friend. At that time, I said that if our husband earned 5, yuan a month, we would not go to work, walk the dog in the park and look after the children at home. That was our income of more than 1, yuan per person. After more than ten years, we have an average of 5, yuan per person per month, but now we feel that this 5, yuan is not as good as the previous 1 yuan money. So, don't say 1 million, now you give me 1 million, I dare not stop, because money is a sheet piling. It really doesn't give us much sense of security.

1 million is a huge sum of money for ordinary wage earners. If you have 1 million, it is the best choice to increase its value, then we will choose financial management or investment. My personal suggestion is to divide 1 million into three parts and not invest all of it, so diversification of investment will reduce risks and avoid losing 1 million in the past.

The first deposit must be guaranteed, and the money should be used for fixed deposits. At present, the interest rates offered by large and medium-sized banks are not very high. The interest rate for three-year ordinary deposits is only about 3.5%, while that for large certificates of deposit is about 4%, while the interest rate offered by small banks is relatively high, generally around 4.5%. However, I often say that the management loopholes of small banks are relatively large, and it is not recommended to have more than 5, yuan in fixed deposits in one bank. The maximum amount of compensation is 5, yuan, so it is not recommended to deposit more than 5, yuan in a bank, and this money is a guarantee for our life, so we will not return to our previous life.

The second one can do low-risk financial management or buy treasury bonds, which is risky. The annualized interest rate of ICBC's wealth management products is only 4%, so now it is necessary to look at the risk level, preferably R1 and R2, mainly depending on the individual's risk tolerance. Treasury bonds are relatively safe varieties, and recently our national bonds have reached a new high of two years, but they need to be snapped up, and they are also relatively safe varieties. Generally, the yield is around 4%-5%, which is similar to the fixed deposit yield, but the interest rate of national debt is sometimes higher, because the national debt is the bottom of the country, and the risk is default, so generally speaking, when a country's economy is in trouble, the interest rate of national debt will become higher, because it needs to borrow money, and high interest rate can attract more funds, but the risk in our country is still relatively low, mainly because the epidemic has made the world economy difficult, so the interest rate of national debt has also increased.

The third part is to invest in the fields we are familiar with. This field depends on personal familiarity and this money can only be used for investment. You can invest in the fields or hobbies you are familiar with, such as antique calligraphy and painting, stock futures and real estate shops. In short, it is very risky to make money with our knowledge. This is also an attempt to maximize our capital. If we fail, we will not go back to the past, because there are guaranteed funds ahead to cover our daily expenses.

Summary

Personally, I think it is reasonable and secure to divide 1 million into three shares, but if you want to maximize the return of funds, you can only invest. If your investment channels are limited, try what I said. Even if you lose money, you will have a guaranteed bottom. Remember not to use all your money for investment, because it is not easy to make money and it is easy to lose money.

Ordinary people have 1 million to do three things.

First, buy a small apartment in a tourist attraction, with the area controlled below 6 square meters. When choosing a tourist attraction, you should avoid hot spots and over-develop scenic spots. Choose Guangxi, Guizhou and Yunnan. These places, especially the Yunnan-Guizhou Plateau, are natural air conditioners in China with good air quality. Guangxi Nanhai Beihai and Qinzhou Bay are deep in the sea, with backward economy, seriously lagging industrial development, including tourism development, simple folk customs and relatively low prices. Suitable for the practical life and expenses of the working class, which accounts for 4 thousand. Every year, I take my family to relax or friends to relax and have a small endowment, improve my life taste and rent it at ordinary times.

second, buy 2, yuan of government bonds, which is the investment mode with the highest security level and interest rate in the country.

Third, 5% of the 2, yuan will be used to buy White Horse shares in the small and medium-sized board, with a standard P/E ratio of less than 3 times. The remaining 1, yuan will be used for defense. If the increase is waiting for profit, the profit will be taken at 3%. If it falls by 2%, it will cover the position and use 5, yuan. The second part will make a profit of 2%. Go back and forth, buy only one stock, and operate back and forth, regardless of the west and the east.

in short, this arrangement must be vigorous, nurturing, advancing and retreating, supporting the future, moving in silence, moving in silence, both traditional and innovative. Magic prescription!

a million dollars is nothing. You can buy a suite in a third-tier city, but you can't decorate it yet. In a second-tier city, you can buy a bathroom. In a first-tier city, you can only go shopping! Go to the remote countryside, you will be the boss!

In this age, we are still discussing 1 million yuan. How poor it is, and it is dragging the motherland back. Now everyone in first-tier cities is not worth millions, and 1 million in second-tier cities can't buy a good house. Now it's time to discuss what to do with the 1 million ordinary people.

In fact, 1 million yuan is a huge sum for most people. The subject here refers to ordinary people, so generally speaking, the resources we have are limited. Therefore, we'd better invest this money in financial management to preserve and increase its value. In order to reduce investment risks, we suggest matching financial management. I. Guarantee fund investment

Before making investment, it is necessary to divide the funds, so the first thing to consider is that the investment risk is low and the principal is guaranteed. We can use this part of the funds as the deposit certificate of the bank. At present, the deposit interest rate of the three-year deposit certificate of the four major banks is 4.125%, but if you have a lot of deposits, say 5, yuan, you can negotiate with the bank. It can reach about 4.5%, and the interest rate of large deposit certificates of some small and medium-sized banks is as high as 5%. It is worth mentioning here that bank deposits are protected by bank insurance regulations, and deposits within 5, yuan are given priority to the full payment of the bank. Therefore, the security of bank deposits is very high, which is mainly used as a guarantee for investment risks. Second, low-risk investment

This part of the investment has certain risks, but the risk coefficient is relatively low. This kind of investment products include national debt and low-risk R1 and R2 wealth management products of banks. National debt is a relatively safe variety, and recently our national debt hit a two-year high, but it needs to be snapped up. National debt is also a relatively safe variety, and the yield is generally around 4%-5%. In fact, it is similar to the fixed deposit yield, but sometimes the interest rate of national debt will be higher, because national debt is the bottom of the country, and the financial risk of bonds lies in default, but the national credit is recognized by everyone, so the risk coefficient is relatively low. Third, medium and high-risk investment

This part of the investment is mainly used to pursue higher returns, so the risk is much higher than the first two. Generally speaking, this part of the funds can be invested in index funds. Generally speaking, this part of the funds takes a long time to invest, but it is because of time that the risks are dispersed. Therefore, compared with the financial management methods such as stocks, the risk is lower, and the average annual growth rate of fund investment can reach 25%-4%. Generally speaking, funds such as consumption and energy science and technology sectors can get considerable returns by making long-term fixed investment. Fourth, invest in familiar fields

In addition to investing in financial products, you can also invest in personal familiar fields or hobbies, such as antique calligraphy and painting, business projects and so on. This depends on your own situation. If you have certain resources and connections, you can try to start a business.

to sum up, investment and financial management is the most direct way to resist inflation, but investment is risky, so we need to divide the funds and diversify the investment, so as to obtain the highest income under the premise of ensuring stability.

when we have 1 million idle funds in hand, we may start to think about how to use or deal with it. It's just a deposit, and I feel that the interest is not high. If I manage my money, I'm afraid there are risks. Therefore, it is likely that the decision will be delayed. As a matter of fact, we should have a financial thinking in the use of any sum of money, and the ultimate goal is to make "Qian Shengqian" within a reasonable range. 1, find the right position of a sum of money

For the funds in our hands, we must be clear about the position of this sum of money. That is to say, whether this sum of money is urgently needed for turnover or simply idle funds. Suppose that this money is likely to meet short-term expenses or expenses. For example, if you have a plan to buy a house or a car in the near future, it is only suitable for short-term financial management. And if this is an idle asset, then you can choose various types of financial management. 2. Identify your own investment risk preference

Financial management must not follow suit. What is suitable for others may not be suitable for you. Some people take a steady wind and don't want to lose their principal; There are also people who value income most and are willing to take certain risks in order to win more income; Some people can accept the fluctuation in the middle of wealth management products, while others find it difficult to accept the fluctuation and floating income.

Therefore, before you make any kind of investment, you should know your investment preferences first, and you should not choose blindly to avoid being blocked in the investment process. Risk preference is actually related to personal wealth strength. Under normal circumstances, if you just enter the society and have little wealth accumulation, your tolerance for risks will be weak. People who have accumulated a certain amount of wealth, rich social experience, or have a fixed high income will have a stronger tolerance for risks.

So, if you are risk-averse, low-risk investment types need to account for a large proportion of the 1 million investment, generally speaking, at least 6% to 8% (6,-8,) of the 1 million investment; On the contrary, the proportion of medium-risk and even high-risk financial management can be appropriately increased. 3. Set a good financial management goal

The financial management goal is the annualized rate of return that investors hope to achieve. According to different financial management goals, the financial management they choose will be different.

if you want to give priority to capital preservation and the yield is within 3%, then you can choose about 8% of the deposit certificates for 1 million funds, and the remaining 2% can choose the money fund. This investment method can maximize the capital preservation and the comprehensive rate of return can easily reach 3%.

if you want to achieve a rate of return of about 5% with a small loss probability, then you can choose 5% of the large deposit certificate as a backup, 2% of the money fund to maintain balance, and 3% of the short-term and medium-risk financial management.

if you are willing to bear the risk of principal loss and hope to achieve a rate of return higher than 5%, then you can choose 2% to 3% of the large deposit certificates as reserve funds, 4% of short-term and medium-term risk management, and 3% of the investment in index funds or equity funds. Appropriate addition of high-risk products can strive for higher returns.

generally speaking, no matter what investment you make, you should allocate and combine the funds reasonably. The risks of different wealth management products are relatively independent, so diversification of investment can appropriately diversify risks. To calculate the proportion of financial products with various risk levels, it is necessary to analyze and choose according to investors' own investment preferences and investment goals. What should ordinary people do if they have 1 million?

1 million is not a small sum for ordinary people, so how to allocate the capital of 1 million to realize effective value expression?

just invest directly.

However, after all, 1 million yuan is not easy to obtain, so the risk must be controlled.