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How to manage money with a deposit of 400 thousand? Can you achieve 1 10,000 in five years?
First, you save 400,000 yuan, which is expected to remain at 6,543,800 yuan after five years. In other words, I hope to make a profit of 2.5 times in five years, and the annualized income is nothing more than 20%. Secondly, we all know that income and risk are positively related, and the greater the income, the greater the risk. At present, the public's investment channels are mainly deposits, China bonds, stock funds, securities and futures trading, which have greater risks and higher returns. Then there are other private equity funds and other investment and financial management, as well as their physical investment. The threshold of private equity funds is generally millions of development, and now you are not qualified.

Savings, treasury bonds, equity funds, securities and futures trading. Savings are now fixed at 3%, China bonds are 4.5%, the annualized interest rate of equity funds is about 10- 15%, and securities are generally 20%. Futures trading is likely to double within a year, which may also damage capital. Stock returns are not clear. It depends on your own investment technology and market trend. If the market trend is right and you have certain investment skills, it is indeed possible to get a rate of return of 150% within five years.

In reality, when the market is good, some people can even get a rate of return of 150% in one year, especially those who invest in science and technology innovation board for these projects. Some new three-board transfer companies have increased by more than 100% or even 200% in the first few days of listing. If you are lucky enough to draw these stocks, you can achieve 654300% in a few days.

400,000 people who buy stock funds and hybrid funds can choose funds sold by large fund management companies that have been established for a long time, and choose funds that have been managed by fund managers in the past, which is very stable. According to statistical analysis, the top 50 hybrid funds in 20 19 have a return rate of more than 70%. If they make the right investment, they will immediately redeem their profits and invest in stock funds again, which is likely to be in the fifth place.