First, I want to settle an account with you. The principal is 600,000. Investment requires earning 700 yuan to 800 yuan every day, which is 365 days a year. Calculate the annual rate of return according to your daily income.
If you go to 700 yuan every day, the total annual income is: 700*365 days = 255,500 yuan, the actual annual rate of return is 255,500 yuan/600,000 yuan * 100%=42.58%, and the actual annual rate of return is 42.58%.
If you go to 800 yuan every day, the total annual income is 800*365 days = 292,000 yuan, and the actual annual rate of return is 292,000 yuan/600,000 yuan * 100%=48.67%, and the actual annual rate of return is 48.67%.
According to your investment and financial management requirements, to achieve your goal of daily income from 700 yuan to 800 yuan, the actual annual income rate should reach 42.58% ~ 48.67%. What can Alipay invest in?
What investments does Alipay have? Alipay is an Internet platform and has launched various investment and wealth management products.
According to the current investment and wealth management products of Alipay, there are mainly the following products:
(1) Monetary fund, including Yu 'ebao and Yu Bao Li, with annualized income of 2% ~ 3%.
(2) Bank deposits, mainly various deposits of private banks, can be handled through Alipay, but the highest rate of return does not exceed 6%.
(3) Wealth management products: Alipay includes wealth management products of many financial institutions, which are divided into low, medium and high wealth management products, but the yields of different wealth management products are different. Even for high-risk and high-yield wealth management products, the maximum is not more than 12%, which is basically between 3% and 6%.
(4) Fund investment: Alipay has launched various funds, mainly money funds, index funds and hybrid funds. The income of these funds is unstable, which may be a loss or a large profit, and the good income is between 30% and 70%.
In which year will Alipay's return on investment reach 42.58% ~ 48.67%? Through the above analysis, the yields of various investment and wealth management products of Alipay are analyzed. If you really want to achieve an annual rate of return of 42.58% ~ 48.67%, the only choice is to invest in index funds and mix. Other money funds, bank deposits and wealth management products can never achieve this rate of return.
(1) index fund
If you spend 600 thousand to buy an index fund, it is actually equivalent to an institutional company to take care of the money.
When the fund company is profitable, you can enjoy the dividend income and settle according to the final profit and loss of the fund company.
(2) Equity funds
Similarly, 600,000 yuan to buy stock funds is indirect stock trading. As for the transfer of the fund company to this fund, it is synchronized with the profit and loss of the fund company.
As shown above, this is the yield of hybrid funds in Alipay, of which the highest yield is 76.26%, the second is 68.68%, and the third is 65.76%. If you buy these funds with 600,000 yuan, according to this rate of return, you can fully realize your daily income from 700 yuan to 800 yuan.
abstract
Through the above analysis of Alipay's 600,000 cash and daily income from 700 yuan to 800 yuan, we can finally know that the only way to achieve this goal is to invest in Alipay funds, and it is a hybrid fund, and money funds cannot achieve high returns.
In a word, we can understand a problem, high income is bound to face high risks, and profit and loss are proportional. If you want to earn more than 700 yuan a day, at the same time, think about the probability of losing more than 700 yuan a day. It is suggested to lower the investment requirements and invest rationally.