With 50000 yuan of spare money, how to manage money?

Duxiaoman financial official account, high quality Creator

Although idle money is useless for the time being, it's better not to let it really idle down. If we can take appropriate financial management measures to generate money, it may be a lot of wealth. If you happen to have 50000 yuan of spare money in your hand, which financial management methods can you choose?

1. Internet baby

Since Alibaba launched yu'ebao in 2012, Internet baby has been favored by many consumers for its convenient access and moderate income. At present, although due to national restrictions, all kinds of babies have increased the quota, but still can not stop everyone's enthusiasm. The reason is that these babies hit the pain point of the convenience of ordinary people's money management. Of course, the baby yield is not as good as before. For example, the seven day annualization of yu'e Bao is about 2.5%. In addition, in terms of security, although Internet baby is not as good as bank deposit, the overall risk is very low. If you don't have much spare money 九成半按揭and don't want to study all kinds of investment and financing knowledge, it's good to buy some Internet baby products.

2. Smart deposit

Smart deposit is a new thing in recent years. It sounds a bit awkward, but in fact, it still belongs to the category of deposit. In other words, if there is any problem, the bank will make compensation, and the maximum amount of compensation is 500000 yuan. Moreover, in the current situation of declining annualized income, the income of smart deposit is very good. From the perspective of smart deposit products on duxiaoman financial app, the rate of return can reach 4.2% - 4.8%, which can beat 90% of the income of financial products on the market. The starting line of smart deposit is about 1000 yuan. If you have 50000 yuan of spare money, smart deposit is a good choice.