1. Capital preservation investment. At present, the risk-free rate of return in the market is about 3% per year. If this is done in 2000, it will be 60,000 yuan. Therefore, it is not feasible to invest through capital preservation.
Second, private lending. At present, the interest rate protected by the state for private lending is 24% annualized, and the required annualized rate of return for raising 2 million to 30% is 50%, which does not meet the requirements.
However, in practice, depending on the different risk factors, the real interest rate will far exceed 24%. For example, some collateral is flawed, and even private lending without collateral is definitely more than two points of interest. It is usually collected separately in a way other than the contract. Under such circumstances, it is possible to increase from 200 to 300 within one year.
But the risk is not big, it depends on the ability of the actual trader. Some collateral is flawed, but if you are very familiar with legal procedures, these collateral can't pass the customs in ordinary institutions, but because you know how to control risks through law, you can grasp the risks and earn this money.
Third, through the stock market. Affected by the epidemic this year, stocks have fallen sharply since March, and some high-quality stocks have fallen by 40% and 50%. After buying these stocks, if the market picks up after the epidemic, then he can return to the original price, and you will earn far more than 50%. For example, Kweichow Moutai, today's closing price is close to the previous height. If you know how to bargain-hunt before 10 days, you have achieved your goal.
Is it risky to do so? This is very particular about your stock picking ability. Do you think there are such people in the market who will choose Maotai? Many people. Because the price of Maotai hasn't changed hands recently, but many people buy it from a low level, and some people keep rising in sedan chairs, so these people can make money, and they can earn nearly 50%.
To achieve this goal, individuals need to practice more. There are many such people in the market. The market is a zero-sum game, and the money you lose must be earned back.
Fourth, crude oil investment. After a round of price war, the price of crude oil is now far lower than the production cost of many oil-producing countries, and these enterprises cannot always produce at a loss. Therefore, either the price of crude oil rises, or the oil field stops production and reduces supply, the price will rise.
The investment in crude oil is relatively certain, and his problem is that it is difficult to find suitable and legal investment channels in China. There are only three channels for domestic investment in crude oil: crude oil futures, crude oil Public Offering of Fund and crude oil in bank accounts.
1, domestic crude oil futures, the near-end contract price is much lower than the far-end contract, and the near-end contract expiration date is approaching, the time is too fast, and the profit certainty is much lower. Changing contracts is a difficult technical activity. At the same time, domestic crude oil futures have to be constantly affected by variables such as exchange rate, and the certainty is also increasing.
2. Crude oil-related funds were originally a better investment channel. The problem is indirect investment, and you have to look at the operation of the fund manager. When you should be long, he is short, not just investing in the future appreciation space. Moreover, such funds are qdii funds, and there is no quota to buy in the primary market, and the premium for buying in the secondary market is very serious. So there are many problems in this direction.
3. The crude oil in the bank account also has the Qdii quota of the bank. Continuous trading in the largest bank in the universe has shown that it can't be bought. In bank investment accounts, we should also pay attention to the single period of crude oil, not a single period, but a continuous product.
Others can do business or invest in some minority groups, even gambling in Macau is another way. It's just that these methods may be small and need to be discussed one by one, or the risk is too great, and the possibility of artificially controlling the risk is very low.