If you have 300,000 spare cash at present, you can't manage money and do bank storage, how can you maximize your income?

I suggest you consider the following points to get the maximum benefit:

1. Diversification: Disperse spare money into different financial products, such as stocks, bonds and funds. This can reduce risks and improve the overall income potential.

2. Carefully choose bank deposits: choose banks or financial institutions with higher deposit interest rates, compare their interest rates and understand their deposit policies. Pay attention to the term and terms of the deposit to ensure a higher interest return.

3. Pay attention to wealth management products: Pay attention to wealth management products launched by banks or financial institutions, usually with higher interest rates and better returns. But please note that we should also study the risks and potential problems of products.

4. Seek professional advice: If you don't know enough about financial management, it is recommended to consult a professional financial consultant. They can tailor the right portfolio for you according to your financial goals and risk tolerance.

5. Pay attention to long-term planning: investment is a long-term process, so you need to set a clear financial goal and stick to it as planned. Don't make blind decisions because of market fluctuations, but believe in your long-term investment strategy.

The above suggestions are for reference only, and the final decision should be made according to the individual's specific situation and risk tolerance. Remember, astrology can only provide guidance, and actual decision-making needs to be combined with personal judgment and professional advice.