A) Collective trust financing plan: the bank deposit income is low, and it can't resist inflation, so you can choose more stable financing products to make up for it. The trust financing plan for fixed income products can be the first choice because of its low risk and high income. Under the existing market risk system, it can give customers a relatively stable return on investment. Although the trust products do not promise to protect the principal, so far, the principal trust products have not repaid the principal and interest as scheduled. The specific allocation is to divide the funds into two 3 million yuan, which are allocated to a one-year trust plan and a two-year trust plan respectively. The expected annualized returns are 9% and 10.5% respectively, which can basically preserve the value in the era of inflation.
B) Capital preservation fund: At present, the global economic environment is not optimistic. It is suggested that Mr. Liu allocate a capital preservation fund of 654.38 million yuan. Even if the market continues to deteriorate, the principal can be guaranteed at 65,438+000%. Once the market presents opportunities, investors will have a good return.
C) Monetary Fund: The Monetary Fund specializes in investing in the risk-free money market, with the characteristics of high security, high liquidity, stable income and "quasi-savings". It is suggested that Mr. Liu Can invest 654.38+00000 yuan in this kind of products. (Estimated annualized income 1.5%-3%)
According to the above allocation, Mr. Liu will get at least a stable income of 9% every year, and the allocation of fixed income products is 6 million+1 10,000+1 10,000 = 8 million, accounting for 75% of the assets, which is in line with Mr. Liu's steady investment style and can make fixed income, which is better than being quilted in the stock market to realize asset preservation.
2, the appreciation of assets:
A) Sunshine Private Equity Fund: Sunshine Private Equity Fund is the best choice for large investors to allocate assets. It is a fund that has been put on record by the regulatory authorities, the funds are managed by a third-party bank, and there are regular performance reports to invest in the stock market. Sunshine private equity fund is standardized and transparent, because it can guarantee the safety of private equity subscribers' funds by issuing through the trust company platform. Sunshine Private Equity pursues absolute returns, has a revenue sharing mechanism, and can motivate fund managers to the maximum extent, so its performance far exceeds that of Public Offering of Fund. With the diversification of innovative private equity funds, it has brought many surprises to the private equity industry and investors. It is suggested that Mr. Liu allocate 3 million sunshine private equity products and choose a professional third-party financial institution. Generally, through the preferred private placement products, the annual income can be stabilized at around 30%. If he chooses innovative private equity products to hedge stock index futures, the income may be more. After optimizing the above fixed products, Mr. Liu Can completely switched to high-yield floating sunshine private equity products.
B) Public Offering of Fund: As a public financial management tool, Public Offering of Fund is a good investment tool at present, because it has the advantages of collective financial management and expert management, which can effectively save time and energy. Funds should be allocated well. By allocating fund products with different investment styles, investment risks can be effectively reduced and stable returns can be obtained. It is suggested that Mr. Liu allocate 6,543.8+0,000 yuan. (The long-term investment yield of stock funds is 8%-20%, hybrid funds are 6%- 15%, and bond funds are 4%-8%. )
3. Liquidity arrangement: Mr. Liu Can will deposit his annual income of 3 million yuan into a current bank account, and his capital demand is flexible. If he puts it in a current account, the monthly interest is 1232.87 yuan. According to the most common 1 month short-term financial management of China Merchants Bank, the expected income is only 5%, and the monthly financial management income is 12328.76 yuan. The income difference between ordinary demand deposits and ordinary wealth management products is 10 times. And this 10 gap can basically meet the daily expenses of Mr. Liu's family for one month.
4. Prepare education fund for daughter: Mr. Liu's daughter is 8 years old and will arrange to study abroad in the future. It is recommended to allocate 10 year bank dividend insurance. Pay 500,000 yuan in five years. The total return due in 10 is close to 3.8 million according to the medium dividend, which can basically meet the demand of studying abroad. It is suggested that Mr. Liu be the insured, and the funds will be used as the daughter's study abroad expenses after the expiration of 10.