If you seek an annual income of more than 10%, you have the following options:
Invest in real estate, P2P, index funds, stocks, futures, digital currency, private lending, entrepreneurship, precious metals and so on.
Obviously, none of the above can be said to be stable and safe, and there is even the possibility of a total principal loss. In fact, once the current financial yield exceeds 6%, there will be the possibility of losing part or all of the principal.
House prices have risen for too long, and when the macro economy is facing many challenges, falling is the only direction. 20 19 if you still want to invest in real estate, you must first be prepared to lose money. Secondly, you will be deeply involved and it will be difficult to sell.
Now there are many P2P platforms that have run away, and the investment risk is very obvious, which is naturally not a good choice. On the one hand, the platform lacks constraints, on the other hand, the borrower's credit is poor, so it is doomed to be difficult to make stable investment and obtain income.
Index funds are safer than stocks, but if you want to make money, it depends on the performance of the stock market. Because of congenital deficiency, it is extremely difficult to get out of the big bull market.
Futures make money faster and lose money faster. Even if it is a short-term profit, it will eventually lose all, which is even more unreliable than the stock market.
Digital currency itself is of little value. The more people speculate, the higher the price. When they buy them back, they are often chopped up.
Many platforms for precious metal trading are liar platforms. Even if you buy gold or paper gold from the bank, it still depends on market fluctuations, and no one can guarantee to make money.
Speaking of starting a business, the rent is very expensive now and the labor cost is high. If you don't have a strong enough network, it is very difficult to make money by getting lucrative projects. Of course, if you have customer resources and enough industry experience, starting a business is also a good choice, and it is relatively easy to achieve a profit of 10%.
To put it bluntly, it is not difficult for private lending to reach the interest rate of 10%, but it depends on who it is lent to. If you know the root of the matter and have collateral, you can write formal IOUs, which will be more reliable. Lend 500 thousand to two or three people to spread the risk and be safer. However, as long as a person refuses to pay his debts, he must take legal channels, which is very laborious and may not be able to recover the money.
Having said that, I just want to tell you that it is not easy to achieve the annual rate of return of 10%. It is easier said than done, and it is difficult to achieve stability and security in a short time. If you want the principal to be safe, it is fundamental not to covet high returns.