I have more than 600 thousand. How to manage money, can you get about 65,438+00% income every year? . . . .

The premise of financial management is to protect capital, and then to ensure a certain return on investment, so it is recommended to choose some relatively low-risk investment methods.

First of all, we can consider some long-term stable income investments, such as the fixed investment of the fund, buying 300-500 yuan every month and holding it for a long time.

Another part of the deposit, you can buy paper gold, and the income is relatively considerable.

There is also a part of the deposit, which can be used to buy short-term wealth management products of banks, with short cycle and low risk.

Finally, the money that may be used at any time can be used to buy money funds, which can be purchased at any time and redeemed at any time. It is also more convenient and flexible to use money, and the income is higher than that of depositing in the bank.

The above wealth management products can be purchased directly from the bank. If online banking is opened, you can buy it directly online. You can ask at the counter!

In addition, reading some financial books may be enlightening.

You can go and see.

1 Financial Weekly and Financial Bible, written by Huang Peiyuan of Taiwan Province Province, Huashang Publishing House;

② Lifelong Financial Planning, written by Wang Zaiquan, Peking University Publishing House;

3 "The Financial Management Course of the Babylonian Rich", translated by George klassen and Bill Lee, China Academy of Social Sciences Press;

4) 100% financial quotient, common sense and rules of personal wealth management, Sima Changchuan, China Archives Publishing House.

These books are easy to understand and have clear views, and they are also good introductory books for financial practitioners.

In addition, pay more attention to a few points in daily life, which will be of great help to your financial management.

1, learn to cut down. The salary is limited, so you should save unnecessary money. As long as you save, you can still save a considerable income a year, which is the first step in financial management. Ordinary people just want to use a few dollars in their hands to earn some interest by depositing in the bank, or participate in the repurchase of government bonds, and the interest rate is slightly higher. 2. Do a good job of open source. With the extra money, it is necessary to use it reasonably, so as to preserve and increase the value and produce greater benefits.

3. Be good at planning. The purpose of financial management is not to make a lot of money, but to ensure or better life in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management.

4. Reasonably arrange the capital structure and seek the balance between actual consumption and future income. This part of the work can be commissioned by professionals to design for themselves for reference.

5. Consider the rate of return according to your own needs and risk tolerance. A high-yield financial plan is not necessarily a good plan, but a good plan that suits you, because the higher the rate of return, the greater the risk. The scheme that suits you is the one that can achieve the expected purpose and has the least risk. Don't blindly choose the scheme with the highest yield.

I hope I can help you! Hope to adopt!