If you want to achieve a stable annualized income of 20% by financial management, it should be difficult.
Mr Buffett is the best investor in the world, and his return on investment is only 20%. Can you be better than him? And his assets are astronomical for ordinary people, only 20%. Do you want to take 4 million to be a stable 20%?
According to relevant statistics, the annual asset growth rate of ordinary people in China is around 8%, while that of the rich is around 13%. If you want 20%, it is still stable, which is quite difficult.
The benefits are in direct proportion to the risks. You have to think about this before you figure out how to make money.
If you want to achieve 20% revenue, there are channels, but you have to bear certain risks.
I. Stock market or fund market Judging from the stock market situation in 2020, the approximate rate of return is around 30%, and the rate of return in the fund market reaches 54%.
However, from now on, the A-share market has entered an adjustment mode this year, and it has almost fallen all the way. Now the stock index has reached 3600 to 3400, which means that most people are losing money.
Since the stock market has fallen, the fund market is also doomed. Last year's highly respected consumption, high-tech and other funds basically fell all the way, and last year's income has basically been spit out today.
Do you think you dare to go in?
Second, the policy of investing in real estate houses has been tightening. Indeed, since 20 16, house prices have soared, but since the second half of 2020, they have remained basically unchanged, and there has been a slight downward trend in some places.
This is mainly influenced by policies. Now the houses are basically rotten streets, the vacancy rate is too low, and the second-hand housing transactions are weak. You can buy it, but whether you can make money really depends on God's will. Unless you can buy a house with a very good location, if you are not sure, you'd better not build a house now. After all, 4 million is not a decimal, and it is very difficult to realize it in real estate.
Third, before the trust market, trust products appeared in a high-profile form, with a minimum of one million, and the annual income could reach 13% or even higher.
However, since the second half of 2020, all kinds of trust products have been hit by lightning storms, and news of redemption crisis has occurred from time to time. Enter the trust market and come if you dare. However, it should be very difficult to achieve a return of 20%.
Fourth, engage in construction. Many people think that building is a thing of the past. In fact, there are still opportunities. The gross profit of the construction industry, including greening, is around 30%.
If the cost control is done well, there is no problem with a stable 25%.
But for the construction industry, the cycle is relatively long. Generally, it is good to get the principal back in the first year. It will take 2-3 years to get your profits back. Then you calculate, what is your annualized rate of return?
So, don't think about 20%. If the combination is reasonable, the annualized income will reach 8- 10%, which has already outperformed most wealth management products, and the risks are more dispersed and safer.
After what Guo Shuqing said, everyone must feel better than the central bank. If there is such an opportunity, won't big institutions seize it? Won't the central bank catch it? Even if Buffett's annualized income is only 20%, it is still a risky asset for investment, ranking first in the world. Therefore, don't try to get rich again, even if there is, it is either to catch up with the historical dividend of real estate or high luck. If you must take luck as strength, you will eventually lose it back by luck.
It's hard. At present, it is very good to achieve an annual rate of return of 13- 15%. Any higher, the risk will be great!
It is not easy for 4 million funds to "stabilize" 20% annual income.
Look at the bank deposit first. The three-year deposit is only 3.85%. Even if you deposit 4 million yuan, the bank will not give you more than 5% interest, which is far from your expected rate of return.
If you buy stocks or funds? Although the expected rate of return can reach more than 20%, high returns will also have high risks and cannot achieve stable returns.
At present, it is safer to invest in popular second-tier cities. These cities are developing rapidly, with a large influx of population, and the housing price base is lower than that of first-tier cities, but the growth momentum is good. 4 million is enough for you to invest in a school district in the city center, and it will increase by 20% a year without any accident.
In order to achieve 20% of the annual income of 4 million funds, that is, the annual income of 800 thousand, it is necessary to make an asset portfolio.
(1) can keep up with the trend of the stock market, can speculate in stocks, and earn more than 20% annually. However, the stock market is risky and investment needs to be cautious. If you don't have the ability to look at stocks, you may lose everything.
(2) Bank financing, with low returns and low risks, is generally characterized by short-term and medium-term interest rates of 3.5%-5% and three-year treasury bonds of 3.8%. It is impossible to achieve 20% returns only by bank financing.
(3) Investing in precious metals or energy is also related to market conditions. Buy low and sell high. It is possible to achieve a 20% profit if you operate properly, but it is also a huge loss if you operate improperly.
(4) speculation in futures, high risk and high return.
(5) The key to investing in funds is to choose the right fund manager. If the market is good, 20% is easy to do.
(6) Doing business is hard, and many things need to be done by yourself, but the possibility of reaching 20% is generally higher.
(7) As an investor, if the company you choose is reliable, the income can be appropriate, and if you choose improperly, you may lose all your money.
To sum up, look at your investment ability and risk tolerance, and choose a portfolio to be stable.
I think you can save more maotai. In recent years, all Maotai products have been increasing in price. For example, Pumao had more than 2,000 last year and almost 4,000 this year. You can buy old Maotai, as well as custom-made wine and some specialties, and the value may double.
Let's talk about how terrible the steady annualized rate of return of 20% is. Since it is stable, it must be calculated according to compound interest. The formula of compound interest is: f = p (1+I) n, where f represents the final value, I represents the interest rate and n represents the number of interest-bearing periods. If you compound interest casually, it will be easy to beat most listed companies in the market, and you will not be the richest man in the world in the future. Therefore, we have to correct a problem, 20% return is difficult, let alone stable. It can only be said that part of the risks will be taken for a period of time, and the average return will be 20%.
Let me talk about the yields of several investment industries.
1, traditional bank financing rate of return: the rate of return of low-risk money funds hovers around 2.5%, and the rate of return of medium and low-risk regular financing is around 4.5%. Therefore, it is impossible to obtain a yield of 20% by relying on traditional bank financing.
2. Real estate investment in first-tier cities. 10 years ago, in China, the first-line real estate investment could indeed achieve a rate of return of 20%, but now, the biggest risk of real estate investment is the policy risk, the policy of not speculating in housing is being gradually implemented, the property tax is being implemented steadily, and the guiding price of second-hand housing in Shenzhen has been liberalized, so at present, the risk of investing in real estate is far greater than the return on investment.
3. Investment in equity assets such as stocks and funds. China stock market bears a bull, the average annual increase of bull market can reach 100%, and the average annual decrease of bear market can reach more than 60%. Therefore, if we can keep up, we can achieve a 20% return in a relatively short period of time. If we step into a bear market, we will lose all our money. The stock market is still like this, not to mention the fund, which is nothing more than trading with others. If we take a long-term view and enlarge the pattern, it can still be achieved in a specific period of time, but it is random to some extent.
To sum up, it is basically impossible to achieve a stable annual income of 20%.
We need to know what the 20% rate of return is first.
At present, the yield to maturity of China's ten-year national debt is about 3.2%, which is the annualized income level that can be obtained by investing in national debt. This interest rate is usually regarded as "risk-free income" in investment. After all, the national debt has the national credit endorsement and there is no default risk.
At present, the current interest rate in the money market is about 2.5%. This interest rate level can be easily obtained by putting it in Yu 'ebao or doing reverse repurchase of government bonds in stock accounts, with almost no risk.
At present, the annualized interest rate of low-risk (R 1-R2) wealth management products in some banks is around 2%-4%.
At present, the domestic one-year time deposit interest rate is 1.75%, and the five-year time deposit interest rate is 2.75%.
The above interest rates are all very low-risk (even risk-free) investment returns, which are in line with the "stable" characteristics mentioned in the title.
But obviously, these interest rates are still far from 20%. In other words, "steady" and 20% are fish and bear's paw, and you can't have both.
If you want a 20% return, you must engage in venture capital in the current macro environment, including stocks, bonds, futures, real estate and other investment targets. These investment targets must bear the risk of possible principal loss on the premise of bringing possible high returns.
Either, reduce the expected target by 20%; Or, take a risk.