How to invest100000 yuan?

You need to open a corresponding wealth management account when you go to a bank or a securities company for wealth management. 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.

1, bank financing, financial products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.

2. Financial management of securities companies generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences.

3. Insurance financing. Insurance financing tends to be long-term, focusing on solving the education planning and pension planning after a long time, and at the same time solving the security problems such as accidents and medical care.

4. Investment company financing. Financing of investment companies generally includes trust funds, gold investment, jadeite, jewelry, diamonds and third-party financing. This requires a high initial capital.

Matters needing attention

1. Check your assets. Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic premise; Set financial goals. The financial objectives should be defined qualitatively and quantitatively from the specific time, amount and description of the objectives;

3. Find out the type of risk preference. Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this point, his risk preference deviates from the range he can bear;

4. Conduct strategic asset allocation. Do asset allocation in all assets, and then choose investment varieties and investment opportunities. The core of financial planning is the process of matching assets and liabilities. Assets are previous stock assets and income capacity, that is, future assets. Debt is a family responsibility, supporting parents, raising children and sending them to school.

Goals, goals have also become our liabilities. It is the core concept of personal finance to have a high-quality life and dynamically match your assets and liabilities. It can be seen that financial planning should be necessary for everyone, not how many assets there are.

Baidu encyclopedia-wealth management

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