Risk-free At present, there are only two truly risk-free products on the market: one is national debt (national credit endorsement); The other is bank deposits (rigid redemption products). More strictly speaking, there is still a little risk when the bank deposit exceeds 500 thousand, because the bank may go bankrupt. As for other money funds, wealth management products, structured deposits, etc. Although it is a low-risk product, it cannot be called a risk-free product. After all, they are low.
The yield of national debt is currently 4.27% for the highest five-year period, which is only about half of your required 12%; As for time deposits, if we want to consider the possibility of bank failure, we can only choose the six major state-owned banks. At present, the six major state-owned banks have 2 million certificates of deposit, and the interest rate will remain at around 4.5%, which is still far from your required 12%.
Therefore, earning 20,000 yuan/month by 2 million risk-free, in the current market, no! There are many risky products that can be realized, but risky products can't guarantee the safety of the principal.
Risk-free monthly income of 20,000 requires principal. Calculated by the bank's 4.5%, in order to reach a monthly income of 20,000 yuan (that is, an annual income of 240,000 yuan), then the principal we need is: 240,000 yuan/4.5% = 5,333,300 yuan, which means that you have to plant almost 6,666,300 yuan of lottery tickets (lottery tickets have to pay 20% unexpected income tax) in order to hope to reach 20,000.
To sum up, the principal of 2 million yuan is not enough, and you have to continue to struggle. When you have more than 5 million deposits, consider this problem again.
Hello, everyone, I am "borrowing skills". As a bank employee, I focus on answering financial questions such as bank deposits, loans, credit cards, investment and wealth management, insurance and so on.
The principal is 2 million, and the monthly income is 20,000. 1 year is 240,000, and the annual interest rate is 12%. It is difficult to achieve this goal without taking risks, but there are ways. The specific analysis is as follows:
First of all, portfolio investment is needed to achieve the goal. At present, from the perspective of wealth management products and investment channels on the market, it is impossible to achieve the annual rate of return of 12% by purchasing a single variety of risk-free products. So we need portfolio investment.
2. Portfolio investment needs to give consideration to both profitability and security. The subject requires an annual income of 12%, but is unwilling to take risks. The "risk-free" here should mean low risk, at least the principal security. Otherwise, it is impossible to achieve the annual rate of return of 12% without taking any risks.
The investment portfolio constructed by this investment requirement and target requirement should give consideration to both profitability and security.
Third, the idea of portfolio investment requires no risk, which should refer to the security of principal. Therefore, when building a portfolio, we must ensure the absolute security of the principal of 2 million yuan.
Therefore, this portfolio should learn from the idea of "structured wealth management products" and give it five years. Details are as follows:
1. Buy a wholesale insurance product with a maturity of 5 years and an annual yield of 5%. In this way, the annual income is 654.38+ten thousand yuan. Five years is 500 thousand yuan.
2. Advance 500,000 yuan of wholesale insurance profits to buy stocks. 2 million yuan, annual income 12%, five years is 1.2 million yuan. We need to buy a stock, or two or three stocks, and achieve a 140% increase in five years.
At present, China A shares are at a low level, and there is bound to be a bull market in five years. In the bull market, stocks with doubled share prices abound. Therefore, this scheme is feasible. Finally, I wish my friends a smooth investment and financial management, and all the best!
Hello, friends! 2 million, with a monthly income of 20,000 and a yearly income of 240,000, with an annualized rate of return of 12%! There are many ways … but you can't lie down … If you are willing to lower some requirements, such as an average annual income of 65,438+10,000 yuan … or higher, and invest 2 million yuan in financial management, the safety will become clear and you will feel more at ease …
First of all, the current return on investment in various industries:
The above table shows the overall return on investment of large venture capital institutions. The relatively high It industry, 1 1.04% (average annualized), medical and health industry, 10. 18%, and mass cultural media, 4.08%, all belong to venture capital!
Summary: It can be seen that the expected annualized rate of return of 24%, combined with the current practice of investment and wealth management market, is hard to earn!
Then, look for a feasible financial plan in practice:
Scheme 1: Very low risk, low risk (PR 1-PR2) scheme, suitable for cautious, steady and above friends with risk preference! Mainly through the control of product risk level, control the risk from the root, and strive to reduce the principal and expected income, interest, affected by risk factors!
1, three-year certificate of deposit,10.5 million yuan, three banks to ensure the safety of the principal, four banks to deposit, the principal interest is protected by the deposit insurance system, this part can be earned!
2. The remaining 500,000 yuan is used to buy innovative deposits, of which 400,000 yuan is used to buy products with regular, graded and installment interest payment, and the interest is paid monthly, so you can have disposable living money every month! 65,438+10,000 yuan is used to purchase innovative demand deposits, which can be withdrawn at any time! These two products are directly produced by commercial banks!
Option 2, mortgage, guarantee, very perfect, the evaluation is above 7 points, trust products! Suitable for friends who are stable and have the above risk preference! This product has a high degree of matching with large funds, standard collateral and higher degree of risk control! There are currently 1 10,000 cases!
To sum up: From the current market practice, 2 million yuan is a very low-risk or low-risk financial management, focusing on product selection, controlling risks from the source, and appropriately dispersing, combining and optimizing the allocation, which are different, which will help to further grasp the aspects from multiple angles and make financial management have more stable expectations! The schemes and products listed in this article can be deeply understood by friends, and the combination can be personalized, so as to enjoy a good return on investment and financial management!
Two million people earn a risk-free monthly income of 20,000 yuan and earn 240,000 yuan a year, which requires an annualized rate of return 12%. 12% annualized rate of return, no risk, nothing to do, just lying down to make money. The only recognized risk-free product in the market is national debt, and the highest interest rate of national debt is 5-year national debt, which is only 4.27%, which is far from satisfactory. If you can take a little risk, the property can meet the annualized income requirement of 12%. Let's do the math together.
1. Can the annual income of residential commercial housing reach 12% in the past 10 years? Take the national average house price as an example. In 2009, the national average selling price of residential commercial housing was 4,459 yuan/square meter, and in 20 18, the national average selling price of residential commercial housing was 8,544 yuan/square meter. In 2009, the down payment was 2 million and the loan was 4.66 million. The total house price is 6.66 million yuan, the loan interest rate is the benchmark interest rate, the loan term is 30 years, and the sales tax is calculated at 3%.
Therefore, the total profit = 665438+ million+1.998 million-800,000 -2 1 .000-19.98-38 = 4.6 million, and the annual profit is 460,000 yuan. The annualized rate of return is 23%, much higher than 12%.
2. What is the compound annual growth rate of house prices? It can achieve annualized income 12%, down payment of 2 million and loan of 4.66 million. The total house price is 6.66 million yuan, the loan interest rate is the benchmark interest rate, the loan term is 30 years, the sales tax is calculated at 3%, and the rental yield is calculated at 3%.
According to the annualized income 12%, the house needs to make a profit of 7.2 million yuan after 30 years, assuming that it needs to be sold for N million yuan, and the selling tax is 0.03N N.
Profit = n-666-0.03n-19.98-424-80+199.8 = 720, n =17.63 million yuan.
The compound annual growth rate needs to be 3.3%, which is equivalent to the house price 1 1,000 yuan/square meter this year, and it will be sold to 26,500 yuan/square meter 30 years later, which can meet the annualized income 1.2%. Although house prices may not rise as fast as in the past in the future, economic growth, land finance, land purchase, urbanization and other factors will continue to push house prices up. I think it is very possible to rise by 3.3% every year.
I can tell you for sure that there is no financial product on the market that can make you get 12% annual income without risk. Except for some special circumstances in a special period, we can only make some low-risk investments, and the yield will be much higher.
Special circumstances Because my family worked in a bank, when I was very young, in the early 1990s, there was a time when the bank's deposit interest rate was very high. I remember that at that time, bank time deposits reached an annual rate of return of 15%. At that time, many people put their money in the bank, but after about a year of implementation, they made adjustments.
This will basically not happen in the future, because the domestic economic market has reached a balance, and the interest rate of banks will only be lower and lower in the future, and there will be no sharp increase.
Low-risk joining There are some big brands joining in the market at present. They have capital to join and are fully managed, and only need to give a part of the deposit. The company will help you get started. If the contract expires or you choose to give up the business, the brand will deduct the expenses such as decoration and return it.
At present, the relatively stable products in this respect are Blue Ocean House and famous products. Because of the large scale and abundant operating experience, the closing rate is still very small. In the end, they will directly pay 20%-35% of the day's turnover to the joining investors.
Generally speaking, this investment method is less risky, but it is not completely risk-free. After the preliminary investigation and risk control, the annual income difference can only exceed 12%.
Shares of large companies Some large companies will carry out internal financing before listing, on the one hand, in order to expand the scale, on the other hand, in order to stimulate the work motivation of core employees.
But this kind of opportunity is rare and must be based on a good understanding of the company. If the company is not listed, it will pay dividends according to a certain net profit. If it is ready to go public, the company will also recover its shares. Even if you don't recycle it, you can get corresponding dividends after listing, and you can also trade shares.
This kind of investment has a high return and a strong wind, but compared with the previous investment, it is still very secure. Because many large companies have developed to a certain stage, they can basically see whether they have a future.
A monthly income of 20,000 means an annual income of 240,000, and the investment of 2 million principal is equivalent to the annualized rate of return 12%.
At present, the only absolutely risk-free investment and financial management is national debt. The yield of national debt is currently less than 5%, which is far from the yield of 12%.
Other things that are almost risk-free are bank time deposits. As long as it does not exceed 500 thousand, even if the bank goes bankrupt, it will have to pay compensation. You can deposit 2 million in more than four banks. But even the current five-year fixed-term bank deposit yield is only 5.3%!
It can be said that the annualized rate of return of low-risk investment and financial management in the current society is not higher than 6%. If the annualized rate of return is higher than 6%, it is definitely risky.
In other words, if you want to make money with 2 million funds without risk, you can earn 10000 at most in one month!
If you want to earn 20 thousand yuan in a risk-free month, you must first increase your own funds to 5 million yuan.
1 strive to make money or start a business, and finally accumulate its own funds to reach more than 5 million yuan. In this way, according to the current highest interest rate of bank time deposits, there can be a risk-free income of 20 thousand yuan per month. Don't rush to rest, work harder and achieve the small goal of 5 million.
2. Investment index funds can increase to 5 million yuan in about 10 years. Compared with high-risk investments such as stocks and futures, index funds are high-yield and low-risk investments.
3 Do part-time jobs such as marketing or anchor. As long as you don't need to invest, you can try it, or you can earn 20,000 yuan a month. There is no risk.
Hello, friends!
There are 2 million yuan, and if you want to earn 20,000 yuan a month, there is no risk, that is, you can earn 240,000 yuan a year, which is equivalent to the annualized rate of return 12%. Such a wealth management product with a safe rate of return cannot be realized, but it may be realized if it is invested in the stock market. Let's analyze it.
Safe financial products are out of reach. If you invest 2 million yuan to buy safer wealth management products, you can't achieve it at all. At present, relatively safe financial products include savings-type national debt, bank deposit certificates, private bank deposits and other products.
At present, the three-year annual interest rate of savings bonds is 4%, and the five-year annual interest rate of savings bonds is 4.27%.
At present, the annual interest rate of bank deposit certificates is also relatively high. Generally, the annual interest rate of 3-year certificates of deposit for 2 million large banks is 4. 125%, and the annual interest rate of 3-year certificates of deposit for 2 million small and medium banks can reach 4.2625%.
At present, the annual interest rate of new deposits in private banks is relatively high. Now there is a five-year deposit with an annual interest rate of 5.8% and an annual interest rate of 5.5%.
It can be seen that a relatively safe wealth management product, a five-year deposit in a private bank has a maximum annual interest rate of 5.8%.
If it is possible to invest in the stock market, it is possible to invest in the stock market, and the yield is 12%. Now, if you invest in the stock market, you can insist on value investment and hold it for a long time, so the risk is small and you can get relatively stable income.
Now, if you invest in the stock market, you can choose blue-chip stocks with high dividends to invest, which may reach an annualized rate of return of 12%. For example, if you bought Maotai stock a few years ago, you can definitely achieve an annualized rate of return of 12%. According to the calculation, if you bought Maotai when it went on the market, it would be at least 100 times now. Therefore, it is possible to achieve a return of 12% by investing in the stock market.
Now, you can study the stocks of the four major banks. At present, the share prices of the four major banks are much lower than their net assets, and the annual dividend yield is around 4.5%. Net assets can also increase by about 65,438+00% every year, and the increase of net assets will definitely lead to the rise of stock prices. And holding stocks, you can also play new shares, and if you win the lottery, you can also get some income.
If you hold the stocks of the four major banks for more than 10 years, the annualized rate of return may exceed 12%.
To sum up, if you have 2 million yuan, you want to earn 20 thousand yuan a month, and there is no risk. If you can't achieve such a rate of return through sound financial management, if you invest in the stock market, it may be realized.
Thanks for reading!
It can be clearly said that there is no annualized rate of return 12%, and there is a risk-free investment of 241,000 months a year.
At present, the only truly risk-free investments in the market are bank deposits and government bonds, and the interest rate of government bonds is slightly higher than that of banks in the same period. However, whether it is national debt or bank deposits, including large deposit certificates and smart deposits, the annual interest rate for 3-5 years is generally not higher than 5%, which is far from the annualized rate of return of 12%.
Bank deposits protect capital and interest, while wealth management products and insurance products do not protect capital. If 2 million is deposited in one bank, it can be deposited in four banks respectively. According to the deposit insurance system, even if the bank goes bankrupt, a single natural person can pay the principal and interest of a bank within 500 thousand yuan, which is very safe.
For financial investment, the annualized rate of return of 12% is very high, and usually high returns are accompanied by high risks. In the past, investing in real estate was considered as a relatively low-risk and high-yield investment, but now the golden period of real estate cooling in the property market has passed, and the property market is not the best choice. If there are 2 million yuan, you can consider trust investment and financial management with higher returns and relatively lower risks.
At present, there are 2 million cash in hand. How can I earn 20 thousand a month without risk? It seems that this problem is not too big, but it is very difficult to implement.
First of all: let's look at the concept of risk-free. The so-called risk-free, not zero risk. With Qian Shengqian's method, at present, from the formal channels, China Banking Regulatory Commission, China Insurance Regulatory Commission and China Securities Regulatory Commission can't form a risk-free written expression.
Therefore, at present, the most stable banks, time deposits, dare not say in writing that there is no risk. He can only tell you in another way that the risk is relatively low.
It can be seen that as long as there is risk in investment and financial management, there is no good channel to achieve risk-free and maximize income.
Secondly: let's look at 2 million, what is the concept of realizing 20 thousand income every month? The monthly income of 2 million yuan is 20 thousand yuan, which is the rate of return of 1%, that is, the annualized rate of return should reach 12%. If we simply look at the monthly rate of return, it is not very high, but the annualized rate of return is very high.
We can see that the annualized rate of return can reach 5.5% for bank time deposits and five-year deposits, which is far from the annualized rate of return of 12%.
Let's take a look at the annualized rate of return of online investment and financial management, which can reach about 8%, but there is still a certain distance from the annualized rate of return of 12%.
Finally, how to achieve an annualized rate of return of 2 million 12%? Through all the above comparisons, we find that in order to achieve the annualized rate of return of 12%, from the comparison of all current wealth management products, there is no suitable investment wealth management product.
It is risky to invest in financial products that are suitable for you, such as stocks, stocks, derivatives, futures, gold investment, foreign exchange, US stocks and so on.
On the whole, at present, you have 2 million cash in your hand, and you can't earn 20,000 yuan a month by Qian Shengqian's method. It takes a long process to achieve this goal through physical store investment or entrepreneurship.
Investors are advised to make risk-free returns according to the actual situation.