Calculate the principal of an account with you, 200,000 yuan, and the monthly income is 4,000 yuan, which is 48,000 yuan a year. The annual rate of return is 48,000/200,000 *100% = 24%, and the annual rate of return is 24%. According to the current rate of return of various investments and financial management, the annual rate of return can reach 24%. Only invest in high-risk finance, high risk and high return.
Judging from the current investment and financial management, the annual rate of return of 6% is relatively high. As long as the annual rate of return is higher than 6%, it is high risk, and the principal is the probability of possible loss. The regular annual interest rate of similar banks is about 4%, and the maximum annual interest rate of certificates of deposit is 5.6%; The annual rate of return of the money fund is between 2.2% and 3%; The annual yield of bonds is between 3% and 5%; The financial products of banks, insurance companies, securities companies and other major financial institutions have an annual rate of return of 3%~6%, and a few have a very high rate of return of more than 6%. Such a high rate of return is above medium and high risk. From the current investment and financial management, it is basically impossible to achieve an annual rate of return of 24%, so we can only venture to invest in other special products.
How to plan a monthly income of 4000 yuan with 200,000 principal? Through the above analysis, if I want to achieve 24% annual income, I can only take high risks. Here are two investment methods that may reach or even exceed your monthly income of 4,000 yuan.
(1) 200,000 yuan is used for private lending.
Private lending has a very high rate of return, but it is also very risky, and there is a risk that even the principal cannot be recovered. According to the calculation that the annual interest rate of legal lending does not exceed 24%, you lend privately at the annual interest rate of 24%, which is not illegal usury, but legal usury. Once the principal cannot be recovered, the funds can be recovered through legal procedures, which reduces the risk of lending. So I suggest that the annual interest rate of private lending should not exceed 24%, otherwise your risk will increase greatly, and the loss will outweigh the gain.
(2) 200,000 yuan is used for stock trading.
200,000 investment depends on the ability of stock trading. A strong stock market is an ATM. It's easy to earn 4000 yuan a month, and maybe 40 thousand yuan a month can also be done. On the other hand, if you don't have the ability to speculate in stocks, the stock market is a meat grinder. A monthly loss of 4000 or even 40000 is a high probability event. Whether you make a profit or lose depends on your personal ability.
The highest daily gain of stocks is 10%, commonly known as daily limit. If you buy 200,000 shares, as long as you catch a daily limit, you will earn 20,000 yuan, which means you can achieve the goal of earning 4,000 yuan a month.
Based on the above analysis, it is impossible to plan a monthly income of 4,000 yuan for the principal of 200,000 yuan, and it is impossible to achieve stable and safe investment. Only through high-risk investment can we achieve our goals, such as private lending, stock trading, gold speculation, futures speculation, foreign exchange speculation and virtual currency speculation.
Friendly reminder: any investment, risk and income are directly proportional. The greater the income, the greater the risk. If you don't want to take high risks, it is recommended to reduce the income from investment and financial management. The road to investment and financial management is the longest.