2 million cash: how to get the maximum benefit from financial management?

You can invest in 1 10,000 bank wealth management products, with an easy annual income of about 5.5%. Four lines will do. Personally, I recommend ICBC+CITIC+China Everbright+Bank of Communications. The interest rate is lower than that of CCB. ABC has no service and China Merchants Bank can't grab it. If ICBC is near your home, save more, so that it will be convenient for the bank to handle affairs in the future. The remaining 500 thousand can buy trust products, so find the largest trust company, about 10%. There are rankings in China, so you don't have to worry about picking some reliable projects for a year. Don't get too high a return. The remaining 500,000 can buy P2P financing and find the biggest platform.

First, the word "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. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities. Financial management, as its name implies, refers to financial management. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. It contains the following meanings: ① Financial management is a lifetime wealth, not just to solve the problem of urgent need of money. 2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money. ③ 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 (income interruption risk) or cash outflow (cost increase risk).

Second, the focus of capital preservation is risk management, that is, make insurance or trust arrangements in advance to protect human resources or existing property, or obtain financial management to make up for losses when losses occur. The function of insurance is that when an accident makes the family's cash income unable to meet the expenses at that time or in the future, there is still a sum of money or income to make up the gap and reduce the impact of unexpected income and expenditure imbalance during the life journey. In order to obtain the protection of life insurance and property insurance and make up for the loss of people or things, a certain percentage of premiums must be paid. In the event of an insurance accident, the financial income generated by claims can replace the income from interrupted work to meet the living expenses of families or survivors, and can also be used to repay debts and reduce the interest expenses of financial management. In addition, the trust arrangement can make the trust property independent of other private property, free from recourse by creditors, and has the function of protecting the existing property from losses.

Three, to the bank, securities companies need to open a corresponding financial account. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters. The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day. The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.