From the perspective of medium and long-term investment, banks and the property market are not the best choices. Banks and buildings may be the most accessible investment products for investors, and the investment is relatively simple, so many people have a special liking for this, but the popular investment products are not necessarily the best.
Under the current economic situation, how should we invest? I think we should grasp three points: first, don't invest money in a single investment product; The second is to maintain the liquidity of funds; The third is to seize the opportunity of value investment. Here's a brief explanation. If you feel the same way, you can learn more about it yourself.
The starting point of this is to avoid risks. Any single investment is always accompanied by greater risks, unless you choose products with extremely low risks. Therefore, as the saying goes, "Don't put your eggs in the same basket" for portfolio investment. Even if you put 2 million in the bank, the risk is extremely low on the surface, but in the long run, currency depreciation will still bring you great losses.
Therefore, according to your knowledge, experience and ability, you should allocate funds to a variety of products according to the proportion of risk and income, such as deposits, wealth management, bonds, stocks, real estate plans and so on.
This is very important. Although the financial market is not very active now, the downturn often breeds greater opportunities. If the liquidity of funds is poor, it means that many opportunities for making money may be lost in the future. This is the so-called "cash is king".
Many people think that cash is king, that is, holding cash in hand. In fact, this view is wrong The so-called "cash is king" means that assets can be realized quickly and will not be lost when needed. So at present, we should try to reduce the investment that has been closed for too long.
Difficulties and opportunities coexist, just like risks and benefits. Now everyone feels that there is a strong uncertainty in the economy, so opportunities begin to appear. How to seize the opportunity? The best way is "value investment".
The so-called value investment means that when the market valuation of an asset is lower than its actual value, it will produce investment value, and strategic allocation will begin at this time. Why not invest in the property market? Because its valuation is too high.
Any investment product has historical high value, historical low value and historical average value, which is the general standard to judge whether the product is overvalued or undervalued. What assets are worth configuring? From the perspective of medium and long-term investment, it is enough to find an undervalued product.
To sum up, it is not easy for everyone to invest in financial management. If the investment target of 2 million yuan is only banks and the property market, it may be difficult to achieve satisfactory investment results and must be carefully considered.
I believe that a good investment strategy can be found by grasping the basic principles of value investment, combining with the current economic situation, studying the differences and advantages and disadvantages of different investment products, adopting the strategy of portfolio investment and maintaining the liquidity of funds moderately.
To be honest, I don't feel very safe.
There are 2 million in hand, is it to deposit in the bank or invest in the property market?
Mainly compare the yields of the two.
At present, the deposit bank's yield is not high, the demand interest rate is only 0.3%, the three-year and five-year time deposit rates are 2.75%, and the bank interest rate will rise, generally reaching about 3.8%. With banks, whether this rate of return can meet your own expectations is the key. If you just want to beat CPI, then the problem is not big. The latest CPI in July was 2.8%. After the pork slaughter rate comes up in the second half of the year, CPI will go down, and it should be around 2.6% for the whole year.
Look at the property market. The property market is relatively complicated. Simply put, investing in the property market is right and wrong, and some are absolute. Generally speaking, the property market is not a good investment node now. On the one hand, the amount of money has slowed down. According to the data just released, the growth rate of M2 balance in July was 8. 1%. On the other hand, supervision has increased. At the beginning of July, the CBRC interviewed some real estate trusts to regulate the inflow of funds into real estate, and the special inspection of real estate loans has begun. Under the principle of "no speculation in houses", it is difficult for real estate to be as hot as before in the next few years, and the expected rate of return may not meet expectations, and it is difficult to realize after investment.
However, in a few cities, driven by population mobility and the construction of supporting services, there are still structural opportunities that require vision and luck, so we can't generalize. This needs to be grasped by ourselves.
How to suggest two million dollars?
I suggest that we can consider it from two aspects. First, under the condition of ensuring safety, higher income can be obtained. Now that you have considered depositing in the bank, the absolute rate of return is not too high, and there are still many ways to choose. For example, some private banks can make smart deposits with an annual interest rate of more than 5.5%. Many regular wealth management products can achieve an annualized rate of return of more than 4.5% a year, which is much better than the existence of banks.
You can use 6.5438+0.5 million yuan to invest in this kind of financial management with low risk but higher expected rate of return than deposits. Another 500 thousand can be used to invest in risky assets. For example, in the China stock market, although many people complain about losing money, we can look at it from another angle, not from the perspective of stock trading, but from the perspective of investing in macroeconomics. At present, both lots and valuations are historical lows. In the future, with the steady economic growth, the stock market will continue to rise for a long time, and it can vote for the Shanghai and Shenzhen 300 Index. After three to five years, the annualized rate of return is higher than buying a house. It can be used as a supplement to another part of steady investment.
The investment quota of 2 million is relatively abundant. At present, it is not recommended that you put it in a bank, let alone invest in the property market.
First of all, I analyzed in the previous article that the turning point of the property market has arrived. Although the property market has not turned into the downward channel as many people think, the era of long-term high-speed housing price growth has passed, and the income from housing investment may not be as much as before. In addition, in China's housing market, the rent-to-sale ratio is still distorted, so the channel to obtain income from rent is not very mature, so now may not be a good time to invest in the property market.
Secondly, bank financing is the most economical investment. Of course, if your funds are invested in small and medium-sized banks or local banks, these banks will give relatively good returns to large deposit certificates due to the pressure of absorbing deposits, which may be close to 5%, which is already quite high. If your investment capital is only 6,543,800+million, I advise you to be conservative under the background of uncertain overall economic prospects, but 2 million funds can definitely enter a better investment field.
Third, I suggest that you can allocate your investments in different categories, of which 6.5438+0 million will be invested in more conservative investments, such as bank deposit certificates and low-risk financial management. Other parts are configured with higher risks to obtain higher returns. My recent articles are optimistic about the recent market of precious metals. You can consider buying paper gold or paper silver for investment, or you can consider gold etf. At the same time, many institutions are optimistic about the overall situation of A shares in the second half of the year. Although I don't recommend retail investors to speculate in stocks, buying stock index funds is still a better choice.
If you have to choose between the bank and the property market, then I still suggest that the bank deposit certificate is large.
If you have 2 million assets in your hand, do you choose to put them in the bank to collect interest or invest in the property market to preserve and increase value? First of all, from the perspective of bank interest, the current bank interest is about 3%~4%, so your 2 million assets can earn 60 thousand a year, while the current real inflation, coupled with rising prices, the overall inflation should be around 8%, so from this perspective, if you deposit your assets in the bank for interest, although it is the safest operation, the actual total assets are at a loss.
If you invest in the property market, you need an eye-catching choice here. At present, the market house price is still at a high level, but there is not much room for upward, which is in a bottleneck period. If you invest 2 million assets in the property market to maintain and increase the value, you must pay attention to the scientific nature of property selection, and try to choose just-needed categories in first-and second-tier cities to maintain and increase the value. If you choose real estate below the fifth-tier cities, the pressure of maintaining value is even greater.
I am a stock trader. If I have 2 million assets, 500,000 will be deposited in the bank for a rainy day, 500,000 will be invested in the stock market, and 6,543.8+0,000 can choose to invest in real estate. Together, it will give consideration to the efficiency and safety of assets, which is a good choice.
In my opinion, the target of investment should be weighed from two angles: risk control and investment income.
Recently, I read a news that the houses in China are enough to support the full occupancy of 3.4 billion people. Of course, you can't decide that house prices will fall in the future. Because the house is no longer a simple housing demand, it also has the property of investment. The rise in housing prices is largely the result of the joint action of housing demand and investment demand.
In addition, real estate prices have reached an intermittent period of rising. On the edge of the cycle of national policy adjustment, housing will not be fired and property tax will be levied. National policies will gradually eliminate the factors of real estate speculation, so that housing prices will return to the most essential relationship between supply and demand. In this way, the investment factors attached to housing prices will be stripped off, which may lead to the decline of housing prices.
The way we get income from investing in real estate is nothing more than the value-added part and rental income after the real estate price rises. If the house price falls, we will not only reduce our income, but also use the rent to make up for my loss. Even when house prices fall too much, we will even have serious losses.
Of course, this does not include inflation. When the rise of house prices keeps pace with CPI, house prices can only achieve the effect of maintaining value. Only when the house price rises sharply, far exceeding the CPI data, can we preserve the value and get more income. However, when house prices fall, we have to bear not only the asset shrinkage caused by inflation, but also the losses caused by falling prices.
We can see that the rate of rising house prices has lagged far behind the rate of rising CPI. According to the CPI data released in July, the GPI composite index rose to 2.8%, while the residential increase was only 1.5%, which obviously began to lag behind the composite index. In other words, the current investment in housing can't resist the inflation rate, and the purpose of preserving assets can't be achieved, let alone making money.
Therefore, I think that housing is no longer an optional investment object, but is excluded as much as possible.
At the same time, we also see that the interest rate of central bank deposits, short-term deposits with a maturity of less than one year, is far lower than the average CPI of 20 19 years 2. 1%, so it is difficult to preserve the value and the purchasing power of assets is shrinking. Of course, these short-term deposits cannot be used as investment targets.
But this does not mean that bank deposits have no potential to be tapped. No, some large deposits and medium-and long-term deposits of banks may give customers higher returns. Generally, the annualized interest rate of such deposits is above 4.5%. In other words, your assets will grow at a rate of 4.5% without considering inflation, and your assets will still grow at a rate of 2.4% even with inflation.
In the absence of other mature profitable investment methods, I think the investment in housing is far less than that in bank deposits.
Of course, the destination of investment is not limited to bank financing. You can also buy treasury bonds, foreign exchange, and gold investment, even if the technology allows, and you have certain risk control capabilities, and you can even participate in venture capital such as futures and stocks. Of course, you have to decide according to your risk preference.
What I said above is purely personal. Feel free to disagree in the comments. Let's discuss it together ~
Teacher Jiang's point of view: If this 2 million yuan is for stability, it is recommended to buy reliable wealth management products, and you can enjoy a lot of interest income every month; If these 2 million want to make more profits, then holding high-quality real estate is a better choice.
What's the rate of return on putting 2 million in the bank? If you have 2 million yuan, it is a large deposit, such as Bank of Communications, China Merchants Bank, China Guangfa Bank and China CITIC Bank. The annual interest rate of large deposits in these banks is 2.28%, and some banks may rise.
One-year fixed income of deposit = 2,000,000 2.28% = 45 600 yuan, equivalent to a monthly income of 3,800 yuan.
If it is fixed for three years, the highest interest rate of the six major banks will reach 3.575%, that is, 2 million * 3.575% = 7 1.500 yuan, with an average monthly interest of 5,958 yuan.
However, time deposits are not as good as buying bank wealth management products, and the yield will be much higher, generally between 4% and 5%. The yield of other products with slightly higher risks will exceed 6%, and the higher yield depends on whether the risk can be tolerated.
Assuming that the rate of return is 4%, then 2 million yuan can receive interest of 6666 yuan per month.
How much can you earn by investing 2 million to buy a house? First of all, the mentality should be correct, and don't expect to get the "critical strike" income by investing in real estate. The era of general increase in buying a house has passed. "Don't speculate in the house" is the main theme, so don't speculate against the main theme.
However, it doesn't mean that real estate can't be invested. The real estate in China has the nature of investment. Grasping the core point of real estate as an investment attribute, taking advantage of the trend and choosing high-quality property assets will have good returns in the future.
According to national statistics, house prices in many cities in the central and western regions have increased by more than 20% a year. In addition, among the 70 large and medium-sized cities in China, there are 47 cities whose house prices have increased by more than 10%, and the cities whose house prices have increased by 67%.
This rate of return is much higher than bank time deposits and wealth management. In the long run, bank deposits and wealth management will also bear the pressure of inflation, so your real rate of return should be subtracted from the inflation rate. Real estate will absorb the impact of inflation.
How to choose a city for 2 million?
With 2 million investment in real estate, if it is a first-tier city, it is estimated that 2 million can't buy any house. You can only pay the down payment, but the repayment pressure will be even greater. The right choice, the appreciation of real estate far exceeds one year's salary, the wrong choice, may not rise in three years.
If it is a second-tier city, you can choose a good property and buy more sets. If you hold it for two or three years, according to the annualized calculation of 10%, the three-year return will exceed 600,000. If you add leverage, the income will be amplified again on the basis of 600,000.
If it is a third-and fourth-tier property, then the price increase is estimated to be not so much, and many of them have either not risen all the time or have not increased much. Such a property lacks sufficient support and room for growth.
Of course, the calculation of real estate income is not so simple and rude. Many times, affected by the policy, it may not rise for two years and skyrocket in the third year. However, in the long run, real estate investment is still a stable category.
To sum up, you should choose according to your own reality. If you pursue longer-term interests, there is no problem in choosing high-quality real estate targets. The increase in house prices will far exceed the bank's wealth management products. 2 million can buy a good house, and with leverage, the actual income will be more; If you want stable assets, then bank wealth management products with relatively stable income are more suitable for you, and there is basically no need to take risks.
In the long run, the appreciation space of high-quality real estate far exceeds bank financing. After all, it is much easier to rise hundreds of thousands than to earn hundreds of thousands. Instead of being forced to accept the depreciation of assets due to inflation, it is better to buy high-quality real estate and enjoy the benefits.
Hello, I'm glad to answer your question!
You must ask yourself the focus of this question, how much risk you can take when choosing an investment. If your risk-taking level is relatively low, I personally suggest that you deposit in the bank or do some bank financing. If you can bear higher risks, you can still choose real estate investment or stock investment appropriately. Remember, no matter what investment has certain risks, investment is risky, and investment needs to be cautious!
Follow the right person and buy the right house. I have been a real estate fever for ten years!
I have 2 million in my hand. Should I put it in a bank or invest in the property market?
You can put 2 million in the bank or invest in the property market, but there are three points to pay attention to.
First, never take money to start a business.
Some friends buy houses to realize cash, or earn millions. They don't know whether to buy a house or start a business. Sometimes more money is not necessarily a good thing, so many people will look for projects everywhere. You take two million, there is no need, you still have several million in your hand. That's no problem. If you only have 2 million, your first thought at this time should be to stop immediately, because starting a business is the first sign of failure and bankruptcy.
Second, don't buy a house indiscriminately.
If you feel that you want to invest 2 million yuan in real estate, please remember not to buy a house indiscriminately, because buying the wrong house is equivalent to working for ten years.
1. Be sure to think clearly. Can I buy one or two sets of this fund in the local city? What is your budget and the expected rate of return in the next five years?
2. Do not buy apartments, enterprises or shops. This is a fatal shortcoming for those who have money. Many people have no place in the city. When they went to see the house, they were fooled by sales and bought apartments or shops. This is a sign of falling into the pit!
You must not buy a house in the suburbs. Under normal circumstances, it is 2 million. In first-tier cities, you can pay the down payment to repay the loan, and in second-tier cities, you can buy a small area in full. You don't have to look everywhere, just determine the target city you want.
Third, the increase in house prices will definitely outperform inflation.
The increase of real estate must be higher than inflation, so rich people understand this, and with this way of thinking, there is no risk in buying a house. The core of the so-called real estate investment economics is to buy a house every three to five years, and to resist the risk of inflation through the appreciation of the house. In this way, your family's income will continue to increase.
Why do you say that? This is related to the Fisher effect, which was first revealed by the famous economist Fisher. In a more popular way, if the bank deposit interest rate is 5%, your deposit will increase by 5% after one year. Although you earn money, according to the Fisher effect, you only earn money in name. If the inflation rate is 6% this year, you are actually losing money, but if the house price rises 10%, compared with deposits and inflation, the house price rise will outperform both.
Therefore, if you have money, you will definitely invest in real estate, and the problem is not big. At the same time, even if money is needed that day, it can be mortgaged or realized at any time.
Ok, the sharing of spicy strips is here.
Family fortune password commentator Shan Shi:
How to vote for 2 million, you can't simply pat your head. For investment, the primary consideration is risk. We generally evaluate a person's risk tolerance from several aspects: whether there is a stable cash flow support, age, occupation, education level, and your inner willingness to take risks. Before investing, you must know your actual risk tolerance before you can make a rational judgment and decide your investment direction.
Regarding whether to deposit money in the bank or invest in the property market, from my personal point of view, I will not deposit money in the bank or invest money in the current property market. Don't put it in the bank because the interest rate is too low to resist inflation; On the one hand, we don't invest in the property market because the property market has passed the best investment period, and some cities may experience stagflation or even decline in the future. Even if the housing prices in some super-first-tier cities are relatively stable, 2 million funds can't really invest in real estate in these cities. If leveraged loans are added, the annual increase may be offset by loan interest. Moreover, real estate is a fixed asset investment transaction with many restrictions and poor liquidity.
The author thinks that two million assets should be diversified, which can not only ensure their own liquidity, but also have some assets to play with riskier assets and earn high returns. If my personal allocation divides the two million into four parts, 500,000 will buy a low-risk money fund with low interest rate but good liquidity, 500,000 will choose a good stock fund or hybrid fund for fixed investment and installment purchase, 500,000 will directly invest in the stock market for a long time to buy my favorite industries and companies to earn excess risk income, and finally 500,000 can invest in some anti-risk assets such as gold. After all, in the current environment of 20 19 interest rate cut cycle, gold still has appreciation value.