It's time to get the year-end bonus again. The reward obtained after working hard for a year must be taken care of. Financial experts suggest that to get the year-end bonus, we should first make a good plan according to our actual needs and allocate it reasonably according to different requirements of funds. A simple way is to divide the year-end bonus into three parts. The first is for the upcoming Spring Festival. Red envelopes and gifts for parents and relatives; Buy new year goods and buy new clothes; Gathering with friends... These are expenses that will be used in the near future; The second part is used for large expenses in work and life in the new year, such as signing up for certificate classes, traveling, commercial insurance, etc; The third is the principal that can be used for long-term investment and financial management after deducting the remaining spare money from the first two. Whether it is bank financing, various funds, or direct investment in the stock market, it can be rationally allocated in combination with its own risk tolerance. However, only by arranging the first two shares of money can the third share of money be invested reliably and safely. First money Put it into current financial management The first money used for spending during the Spring Festival can not only lie in the current account of the salary card, but also choose current financial management, which can not only make a little money, but also affect spending money. Many people are used to putting small change in Alipay's balance treasure and WeChat's small change. Both are connected to the monetary funds of several fund companies. After customers buy, they buy the corresponding monetary fund. The threshold of these two products is low. Yu'e Bao can be invested from 1 yuan, and you can buy it for 1 penny. Apply for redemption before 15:00 on the trading day, and the funds below 10000 yuan will arrive on the same day. The annualized yield on the 7th is about 2% - 2.5%. Unlike monetary funds sold through other channels, yu'e Bao and change pass can not only enjoy the investment income of the fund, but also be used for consumption. In addition to Alipay and CAITONG, the banking department also has demand management products. When you open the app of each bank, you will find the words "current +" and "cash" under the financial product project. Compared with the monetary fund, the bank's change financial products generally have a higher rate of return, more flexible use, larger quick redemption amount, and some can be used for consumption or transfer at any time even during holidays. The reporter of Beijing Youth Daily inquired about the change financial products sold by many banks and found that at present, the 7-day annualized yield of many products is close to or even more than 3%, which is significantly higher than that of yu'e Bao and other monetary funds. For example, the latest average 7-day annualized yield of "Chaobao" products of China Merchants Bank is 2.73%, which can be purchased from a penny. Transfer, cash withdrawal, financial management, consumption and credit card repayment can be used directly, and the daily real-time redemption amount is up to 50000 yuan. CMB introduced the product as "used like current". Ping An Bank grows product C every day, starting from 10000 yuan. The latest 7-day annualized yield is 2.9335%. If you buy it before 15:30 on the trading day, you can enjoy the income of the day. You can transfer, consume or withdraw money from ATM without active redemption. The redemption amount is unlimited during trading hours, and the real-time redemption amount during non trading hours is up to 300000 yuan per day. After the position exceeds 10000 yuan, the additional purchase only needs 1 yuan. Second money Choose prudent financial products The second money is a large expenditure that will occur in the new year. You can choose bank financial products of 3 months, 6 months, 9 months or 12 months according to the use time. Because the principal can not be lost, we must choose stable products with low risk. The reporter of Beijing Youth Daily consulted the product information of several banks and found that the current 9-12-month stable bank financial products generally have an annual yield of 3.8% - 4.5%, and some excellent products can exceed 4.8%; The annualized yield of products with a term of 3 months and 6 months can also reach more than 3.5%. These products are mainly invested in fixed income assets such as bonds, non-standard creditor's rights and deposits, with low risk. In addition to bank financial products, bond funds are also a channel for sound financial management and invest in fixed income financial instruments. Third share Consider long-term and high-risk investment The remaining third share of money is idle funds that may not be used within a year. It is most suitable for financial management. You can try higher risk financial instruments to win higher returns. There is a common international investment 100 principle, which refers to 100 minus age, which is the proportion of investing in high-risk assets such as stock type and partial stock type. For example, a 30-year-old can invest 70% of his assets in high-risk funds, while a 70 year-old will reduce the proportion to 30%. Of course, this principle does not consider individual differences. If the risk tolerance is poor, it can be reduced by itself. Assuming that you are 30 years old and have strong risk tolerance, 70% can invest in stocks or partial stock fund products, and the remaining 30% can choose debt based, goods based or bank financial products. If you invest in the stock market, you can choose to do it before the Spring Festival. Over the years, a shares have the "Spring Festival effect", which means that the performance of the A-share market during the Spring Festival is usually better than that on weekdays. Wande has conducted empirical research on the Spring Festival effect of A-share market from 2010 to 2019, covering ten indexes such as Wande all a, Shanghai Composite Index, Shenzhen composite index, Shanghai 50 and gem. Statistics show that the average increase of the top ten indexes is positive whether 10 days before or 10 days after the Spring Festival. The difference lies in the intensified style differentiation after the festival, and the performance of small cap index CSI 1000 and CSI 500 is better. (outlook new era)