How to invest 4 million?
How to manage this fund should be based on your own conditions, your own financial needs and your own risk level. Of course, no matter how you choose, you must spread your funds, and you can't put all your funds in one basket. (1) Invest yourself with1~ 2 million yuan to improve the quality of life. The money can be used to buy a house, a car and furniture, and the rest can be invested in places to eat, wear and play, dress up well, buy clothes and pants, eat whatever you want and play whatever you want. (2) Another 6,543,800 yuan is used to deposit smart deposits in private banks, and the five-year smart deposits are 5%. If you use 654.38+00,000 yuan, and the annual interest income is 50,000 yuan, this fund will be yours.
(3) If 500,000 yuan is used to invest in financial products and pursue high returns, for example, it can be used for stock trading. This fund challenges high-risk and high-yield investments in order to earn high returns.
(4) Finally, there were 500,000 left. This fund is a selective deposit, which can be used to deposit Yu 'ebao or so on. This fund is used for reserve funds and emergency funds and can be withdrawn at any time. The above four points are my personal investment suggestions based on your winning the welfare lottery of 5 million. This investment is comprehensively considered in many aspects. I think this investment arrangement is the most reasonable, for your reference only. The first prize in the lottery is true, because the chances of winning the lottery are too low, so most people don't believe it. But occasionally there are people from the same place who win big prizes, but 5 million in the lottery also has a lot of troubles. I won 5 million in the lottery and 4 million after paying taxes. The situation I met was like this, because all my relatives knew that they had won the lottery, so I gave hundreds of thousands to some relatives. The rest of the money is directly used to buy a car and a house. Small cities are enough. In fact, there are more than one million left. But they chose not to work, so they stayed at home leisurely and occasionally went out to travel and splurge. In short, many winners began to spend money and enjoy their leisure life after they got the money, never thinking of sitting in an empty pocket one day. How long will it take 4 million? According to the current living standard, even in the fourth year, it is not expensive. So I think you are rational, not carried away by unexpected wealth, and plan to invest this money. This is a very correct thing. It is not advisable to spend money blindly. Since you have such a principal, you can preserve and increase your wealth in many ways. First, buy real estate. Although there is not much room for the real estate market to rise now, real estate is still one of the ways to resist, and good real estate still has a good chance of appreciation. 4 million is hard to buy a good house in the first-tier cities, but it is very selective in the second place. If it is not good, you can go to some small coastal cities that are developing rapidly. Even with the national real estate correction, house prices are still rising. In short, real estate, first consider just need, then consider high-quality investment real estate, if not optimistic, try not to start easily. Second, low-risk investment. In fact, the first prize in the lottery is already a very big fortune. If you are too greedy, you will lose. Therefore, investing in low-risk wealth management products can ensure the safety of funds as much as possible and have a good return to survive. For example, 4 million certificates of deposit are all calculated at the interest rate of 4%, which is 6.5438+0.6 million a year, equivalent to passive income 1 10,000 yuan per month. If you live in the third year, the money should be very moist. Third, asset allocation. If you expect higher returns, you can allocate assets instead of putting all your money in one basket. For example, 2 million yuan is used as a bank deposit certificate, 6.5438+0 million yuan is used to buy a bond fund, and 6.5438+0 million yuan is used to buy it. Of course, this is just an example. In reality, we should choose the amount and investment target according to our actual situation. In short, winning the lottery is a good thing, but we still need to keep a cool head and treat investment rationally, and we can't ignore risks and pursue high-yield financial management. In fact, if you get 4 million yuan, you can use some of it to improve your life, some to make financial investment, and the last part to invest in small businesses. Personally, I don't recommend resigning immediately. Although I have the principal, I still have to think carefully if I want to make the investment I want. Should I go to work or go to work now?
Whether winning the lottery or getting huge compensation for demolition, this windfall is not obtained by personal ability, but by luck. If you don't have a good attitude and don't think about how to manage your money, you will spend it all in just a few years.
Won 5 million in the lottery and earned 4 million after tax deduction. Outside the first-tier cities, with so much money, you basically realize financial freedom and basically don't have to worry about money anymore.
It doesn't matter if you don't know how to invest, so you take the most conservative approach: Yu 'ebao and WeChat Coin Tongli 1, 65438+ 10,000 yuan pocket money; 2. Divide the saved 3.8 million yuan into four large and medium-sized banks, and choose a large deposit certificate with monthly interest settlement, with an annual interest rate of more than 4%, so that you can get interest of 6.5438+0.26 million yuan per month; 3. Join the mutual treasure in Alipay. As a guarantee, you don't have to consider buying critical illness insurance.
Of course, you can also spend some money to buy government bonds, which is no problem.
Investment is risky, whether it is starting a business or investing in other people's projects, it is difficult to ensure profitability. If you can bear part of the principal loss, you can now consider investing in the stock market. The relatively safe way is to invest in index funds and invest once a month when the stock market is relatively depressed.
Venture capital should not exceed 30% of the principal, and it is enough to take out 1 10,000 from 4 million.
House prices are high at present. Don't worry about buying a house. You can buy a car, but a car with hundreds of thousands is still good. Don't spend too much money on it.
Winning the prize is a good thing. Only by making a fortune in silence, not making friends, not borrowing money, and not being infected with all kinds of bad habits can you keep your wealth. Even if you can't beat inflation, you can at least live carefree for 30 or 40 years. Work hard and earn some pocket money, and you will have a good life. Congratulations on winning the first prize of our two-note two-color ball. Although I didn't win, I am happy for them and can bring benefits to my store. Let me tell you something about my friend. This is a true story. I don't know if you really won. Anyway, my friend's house really won. I won more than 540 yuan, and after deducting the tax, I'm just over 400 yuan. I gave my relatives about 300,000-400,000 yuan, and the rest was about 360-380 yuan to buy a 1 million house (in our third-tier cities, the house price is not expensive, only a few thousand dollars), and the rest was 230,000-250,000 yuan for decoration. Later, it was shelved for various reasons, and it is still there. The rest 170- 190 mortgaged a car150,000, and the rest 155- 175 married a wife. It doesn't cost much to marry a wife here, because the gift money has been recovered, so he spent 50 thousand, leaving 655. Since his parents and his wife won the lottery, the whole family has no job. Now the whole family is taking care of the children at home. My friend was born, and then life looks good, but I don't know how long it will last [picking my nose]. This is the real case around me. 16 After the payment is removed, the remaining funds are invested according to their own actual conditions, which can be divided into the following situations: 1. Ensure the safety of funds. 2. Next, look at your risk tolerance. If you can't bear the risk of any loss at all, the remaining 50% can be considered as annuity insurance, and some money can be reserved for the next 10 year. 3. If you can bear a little risk, you can consider using about 20% of the total funds to buy relatively risky investment products. What kind of products to buy should be decided according to the actual situation. There are many financial instruments that can achieve this function, and how to buy them should be considered. 4. Because the amount of funds is relatively large, you can also consider buying trust products with good stability. The annualized income is between 7 points and 9 points. As long as there is no problem with the trust products, this income is still considerable. Congratulations, it's really good luck! In fact, the tax deduction for 5 million lottery tickets is more than 4 million. At this time, we must be rational and calm, and plan a financial investment direction. There are too many people in the world who squander their money after winning the lottery because they don't have enough cognition and self-discipline. In the end, they not only lost their wealth, but also contracted many bad habits, which made their life far worse than before winning the lottery. Therefore, I think winning the lottery must not be extravagant and conceited. We must make long-term plans and do a good job in investment and financial management. Then, how should we invest more than 4 million yuan? 1, you can consider buying first-line and new first-line properties. From the time point of view, 20 15-20 18 has a great increase, but 20 19 has an obvious callback, and there is also a lot of room for callback. In addition, for the first-line and real estate, the future will be supported by the continuous inflow of population and the survival of the fittest, so it will remain in the rising channel for a long time. After 5- 10 years, it can reach about 10%, which is the combination of rental yield and appreciation yield. 2, you can consider investing in stocks! At present, China has transformed from a real estate bull market to a financial bull market. In addition, there are a large number of high-quality and undervalued chips in its current position, and foreign capital is constantly bargain-hunting. Therefore, from the perspective of the next 2-3 years or even 3-5 years, China will focus on the financial market, which naturally has great investment value. As an ordinary investor, you can participate in the fixed investment of some index funds, and you can also choose some brokerage stocks with strong cycles to invest. It is safer to choose bank stocks to hold for a long time and enjoy dividends and share price appreciation. Assets are different attributes of money in different periods. The essence is the exchange between the present currency and the future currency. Buying means trading the present for the future, and selling means trading the future for the present. The key is to understand who is more valuable in the future or now. From 1987 to 20 19 in June, the currency depreciated by 77.4%! 4.5% per year. Assuming that the inflation rate is 4%, cash will depreciate by 56% in the next 20 years. Investment is the biggest beneficiary. Do you know how to deal with it? Buy core assets! ! Pay attention to Zhang, don't get lost in investment, there are dry goods in the column, welcome to "taste". Congratulations, you have caught up with many people's dreams. I am happy for you, not only because you won the lottery, but also because you have plans and ideas about the wealth that flew in, instead of thinking about squandering it when you won the lottery. Want to build "Qian Shengqian" through investment. I won a prize of 5 million, with 20% personal income tax and 4 million after tax. I may donate100,000 or 200,000 (voluntary) when I receive the prize. I think it's ok for individuals to give hundreds of thousands to improve their lives and honor the elderly. After all, making money is to make life better and more quality. Be conservative and invest 3.5 million. If you just need to buy a house, implement it directly and give yourself and your family a warm harbor. Of course, if you are in a first-tier city, you may only pay the down payment. If all of them are used to invest in the capital market, it is suggested to take out 500,000 yuan to buy insurance for individuals and families to resist risks and enhance their ability to resist risks. Family reserve fund is a must. This epidemic has made many people understand the importance of the reserve fund. Generally speaking, this amount is a family's expenses for six months. You can withdraw 500,000 yuan, you can buy money funds, which is safe and flexible, and you can also earn interest on bank time deposits for more than one year. The remaining 2.502 billion yuan can be invested in the trust market (medium and high risk). The premise is to do a good job of research and have a deep understanding of the rating and qualification of the trust. General annualized investment can be above 10; If the risk tolerance is weak, you can directly buy bank wealth management products or structured deposits, or you can deposit large certificates of deposit, which can basically be annualized by more than 6%. Finally, out of the 500,000 that can be invested, 6,543,800+is the most suitable investment to invest in yourself, improve your skills and strive for the right to speak in the field of work. Another 400 thousand, it is recommended to buy stock funds or invest directly in the stock market. Although the risk is high, the opportunity is also accompanied. Conclusion: No matter how you invest, you must understand that the ultimate goal of financial management is to make your life happy and beautiful! Finally, I hope you can also touch your happiness, luck and wealth through the article, and everyone will get rich. After paying the tax of 6.5438+0 million yuan, there is still 4 million left. Take 3 million and deposit it in three banks. Annual fixed interest income1more than 100,000 yuan. Now that cash flow is king and most of the principal is guaranteed, 6.5438+0 million, we are not afraid to suggest 6.5438+0 million to buy real estate, 500,000 to buy insurance and 6.5438+0 million to buy. Do not invest too much in high-risk industries, and remember to fully understand the project before investing! The texture must be better!