How much can I get back after buying 2 million British government bonds for five years?

The current interest rate of three-year treasury bonds is 3.4%. Five-year national debt with an interest rate of 3.57%. The interest rate of national debt is not much higher than that of banks regularly, but the advantage of national debt is that it can withdraw interest every year. If 2 million people buy 3.4% national debt for three years, the annual interest will be 3.40× 200 = 68,000 yuan, and the annual interest will be 68,000 yuan, with an average of 5,667 yuan per month. Similar to the bank's time deposit income, but the national debt can be transferred in advance, which is more flexible.

: 65438+100,000 yuan, the best investment and financial management method.

1. Short-term: You can buy money funds or bond funds in the short term, with slightly higher risk than bank deposits, but the income will also be higher than bank deposits.

2. Medium and long term: you can buy fixed-term wealth management products, such as innovative deposits and old-age security products. This kind of product usually has a closed period, and interest will be settled at the agreed interest rate only after it is taken out on schedule.

Before buying wealth management products, everyone generally evaluates their risks. Personally, if your ability to resist risks is poor, then you can choose financial products with different risks. If you have a mortgage, car loan, etc. Then I suggest you try not to consider high-yield wealth management products, because risks and benefits complement each other, and there is nothing in the world that you get for nothing. If the product yield is relatively high, then the risk will certainly not be low. For those who need to repay their mortgage and car loan regularly every month, this kind of wealth management product is not suitable for you. But if you have a lot of money and are bold, you can consider financial products with higher returns.

Secondly, we must learn to combine and reduce our own risks through combination. For different people, the suitable financial management methods are different, so there is no best financial management method, but the most suitable financial management combination. When managing money, you must learn to combine and reduce your own risks through combination. Generally speaking, a better combination is bank savings+insurance+other wealth management products.

Investment mode of 300,000 yuan.

First of all, take out a little money and buy government bonds. This year, the circulation of national debt is large, so the elderly don't have to queue up at the bank, or go to designated outlets to buy it, or with the help of their families, buy it directly on their mobile phones. At present, the annual interest rate of three-year national debt is 4%, and that of five-year coupon rate is 4.27%. Moreover, if you want to withdraw the national debt in advance, you can rely on the file to calculate interest, which will not become a demand like all bank deposits.

Second, structured deposits usually have a low threshold, but the income is relatively large, generally around 4%, with a term of three months, six months or one year. Simply put, structured deposit means that you take out a small part of your deposit to invest in foreign exchange, gold, oil and so on. Structured deposits are guaranteed. Even if the investment fails, it will lose some interest at most, and the principal will still be guaranteed. Structured wealth management products are mainly suitable for depositors who don't have much money, but want to get a relatively high rate of return and safe principal, and are also more suitable for retired elderly people to invest.