65,438+10,000 yuan, one day return 100 yuan, one month return 3,000 yuan.

The monthly rate of return = 3000/10000 *100% = 3%, and the annual rate of return = 3%* 12=36%, which is a bit high.

Your expected return is essentially equal to the return on equity of the enterprise. Judging from the conditions, you are investing 65,438+10,000 yuan, with a daily return of 100 and no other contribution.

After three years in Shanghai and Shenzhen stock markets, there are only 14 listed companies with ROE greater than 36%, which are distributed in medical and pharmaceutical, household appliances and chip consumer electronics industries, and these industries are not only for 65,438+10,000.

To put it another way, these enterprises have achieved a return on net assets of 36%, which is not the result of one person's efforts, but the result of a team and an enterprise legal person organization, and these enterprises have concentrated many elites such as R&D, sales and management. Why should we use a mere investment of 65,438+10,000 yuan to achieve an annualized net income of 36%?

The above is the perspective of entity management. Of course, some small businesses can also achieve this expected return, but that requires you to pay extremely hard and hard work. For example, open a Xiaofei restaurant, open a noodle restaurant in a densely populated area, or open a convenience store for fresh fruits and vegetables downstairs in the community. You can achieve a profit of 36%, but you need to make hard preparations in advance. For example, my fresh fruit and vegetable shop downstairs buys goods at 4 o'clock every day, pulls them back to the store at 6 o'clock, displays them, and opens at 7 o'clock to welcome guests. It is too busy to eat until 7 o'clock in the afternoon.

As for making virtual financial investments, such as stocks and futures, I will be blunt, because these investments seem to have low thresholds and low gold content, which is the illusion of ordinary investors. In fact, these industries are more likely to make you bankrupt, not to mention a day 100 yuan, just playing for three to five months is not bad, and you can get away with it without losing money.

To sum up, I think your expected return is a bit high.

I am a minimalist investment practitioner!

You have ten _ _ in your hand, and you want one hundred _ _ every day. You are confident, so why _ _ big? 10_ yuan _ is a lot of things, and you _ are quitting your _ _ because you are not suitable for business.

If you have this good job

I'm still here to answer your questions.

So this is not the place to ask.

Dream on.

65,438+10,000 yuan, one day's income 100 yuan, the age rate is about 40%.

My friend, I don't advise you to think too well.

When P2P is the craziest, I dare not give this income, not to mention that banks are wealth management products. 40% yield has no stable and risk-free investment means, only high-risk speculative means to go to Bo, stocks, gold and silver, bulk commodities and so on. There are opportunities, but it depends on whether you are prepared for the loss of principal. Frankly speaking, the principal of 10W is really very small for playing with financial instruments. If you are not prepared for a loss of more than 50%,

If you are running for this annualized investment, let alone 100 yuan, it is not certain whether you can get your 100 yuan back.

Do a little business, the food is easier to cook.

You can invest in a wine commune and sell bulk wine. It will take about 70 thousand to 80 thousand to open. People often say, "The smell of wine doesn't make the alley deep." Make a good plan, and it is no problem to earn 300 yuan a day to go to 400 yuan. This project is mainly about persistence. It depends on your own concentration.

You can invest in us who are self-media and promise to repay you 100 times a day.

Is the income per day 100 yuan high?

The visual inspection is not high. If calculated by daily salary, I wonder how many people can crush this small goal.

But add a condition: can you earn 100 a day besides your salary?

The visual inspection is still not high. Our strength is more than that ~

Then there is another condition: besides salary, you can earn 100 yuan steadily every day. Is it easy?

It's time to choke, and you have to calculate before you can answer.

Suppose we have 654.38 million spare money, all of which can be used for investment. If we want a daily investment income of 100 yuan, then the daily interest is100 ÷100000×100% = 0.1%.

General financial management will not calculate the daily interest rate, and lenders will tell you so. Why? Because it looks low ~

From the perspective of borrowing money, the daily interest rate is 0. 1%. Generally speaking, you pay interest for as many days as you borrow it. The visual impact is not high, the borrower's psychological burden is not too heavy, and he is more willing to borrow money. But if the annualized interest rate is converted, the daily interest rate of 0. 1% can be equal to the annual interest rate of 36.5%! !

What is the concept of annualized interest rate of 36.5%?

"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" defines the interest rate of private lending as:

"If the interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, the interest agreement for the excess part shall be invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

In other words, more than 36% of the loan interest rate is not protected by the state.

So if you see someone willing to lend you money at the daily interest rate of 0. 1%, you should be careful. The normal lending rate is not that high. For example, the daily interest rate of many small loans is only 0.04%, which translates into an annual interest rate of 14.6%.

On the other hand, if you want to get more than 36% annualized income, the risk is great.

In fact, wealth management products with a yield higher than 8% have certain principal risk exposure, which means there is a possibility of loss.

Our common capital-guaranteed products have low returns. If they can achieve an annualized rate of return of 36.5%, then bank wealth management will worship, trust will look up, and even P2P will be ashamed ~ ~

2

What about floating income products, such as stocks, funds and gold?

I'm sorry to tell you that I can't do it! Because you can't guarantee to make money every day, or you can't guarantee that the income will reach 36.5% after one year.

I don't underestimate myself. I have an investment income of more than 36.5%, but all my investments have exceeded it. I really didn't. I will be satisfied if my income is not high or low.

If you are a late bloomer, you can invest all your money in products that can reach 36.5%.

No, first, I don't have the courage, and second, I don't have the confidence to predict the future. If I am lucky enough to accomplish my goal within one year, I won't dare to play like this next year when the principal becomes bigger ~

Struggle _ _

three

According to the consistent style of talking more about money, it will definitely not end there _

Although the annual income of 36.5% cannot be guaranteed, it can be achieved indirectly through compound interest. Warren Buffett is a good example.

Many people don't know that nearly 99% of Buffett's wealth was earned after he was 50 years old:

When Buffett was 52, his net worth was only $376 million;

When Buffett was 59 years old, his assets were only $3.8 billion;

94% of his assets were earned after the age of 60.

Therefore, investment is a marathon. Take your time, don't worry.

Buffett pursues a long-term strategy, using the power of compound interest.

The reason why compound interest is so powerful is that the longer it takes, the greater its power.

Back to our goal: 6,543,800 yuan of investment principal and 654.38+ 0,000 yuan of income every day.

We can't achieve an annual income of 36.5%, so let's set a small goal of 9% annual income and invest for 30 years. Use the compound interest calculator to calculate:

* This compound interest calculator is calculated by adding the interest income of the previous year to the principal of the next year.

The 30-year interest income is 6.5438+0.2268 million, with an average of one day.

1226767.85/30/365 =112.03 yuan

Also believe that your principal will not stay at 65,438+10,000 yuan, and the annual interest rate of 9% is not particularly high, which means that there is still a lot of room for improvement in your future investment income, and of course losses are also possible.

Anyway, we just don't worry ~

I also want to say that investment is not the only way to accumulate capital. As long as you dare to do it, there are still some legal channels, such as setting up stalls, writing, opening stores and other sideline businesses. Friends who have the ability and time can try.

If you don't have time, concentrate on your own work. The monthly salary is 5K this year, and it will jump to 7K next year, but the yield will reach 40%!

This kind of income is not worse than taking risks to make investments that you are not good at, and it is more secure and reliable.