But the core of your problem is risk tolerance (no loss of principal) and easy investment (stable income). In fact, you can feel that you want to rely on this 8 million pension. Or a stable retreat, even if you do nothing, you can maintain a stable standard of living.
Generally speaking, a professional financial advisor will ask you what your financial goals are. If you can't move the principal, you can maintain your current living standard. Safety first, stable income second.
1, then you can invest 6 million bank wealth management products, with an easy annual income of about 5.5%. Four lines will do. Personally, I recommend ICBC+CITIC+China Everbright+Bank of Communications. The interest rate is lower than that of CCB. ABC has no service and China Merchants Bank can't grab it. If ICBC is near your home, save more, so that it will be convenient for the bank to handle affairs in the future.
2 The remaining 1 10,000 can buy trust products. Find the largest trust company, 10% or so. There are rankings in China, so you don't have to worry about picking some reliable projects for a year. Don't get too high a return.
The remaining 1 10,000 can buy P2P financing, find the largest platform, such as the top three, each with 300,000 yuan, and put it in the bid of 10. Go away by yourself. Below 12%.
Of course, we have to mention universal insurance. Personally, I think I can buy some accidents+major diseases+hospitalization+property safety, which can be done by several thousand yuan a year. Tens of millions are enough to hang up the family, and millions of compensation is enough. Forget the old-age insurance, other dividends are all wool on the sheep, don't toss about.
In this way, basically, if you have a stable income of about 550,000 per year, you can outperform the market and rise steadily. But your money must have shrunk, but you don't have to spend 1 10,000 as long as 550,000, and it is still reliable to have a stable job.
If I have 8 million yuan, I can buy some accident and serious illness insurance.
I bought wealth management for 5.5 million yuan, and the income was 5.5%.
I will buy 750 thousand shares, and the income is uncertain. You still need to rely on stocks to get a substantial increase in capital. This topic is too big to move.
I bought the fund for 750,000 yuan, and the income was 6- 10%. I can check the star products of star managers in big companies.
I bought P2P for 750,000 yuan, and 10- 12% made a profit.
I give 250,000 yuan as working capital. For example, if the stock is ready, I will buy it. If there is a suitable shop and reliable friends to start a business, I will invest.
There is no risk-free investment at all. I think the key is to achieve your goal through combination. This goal is too important. Think it over before making a decision.
My marriage is for a reason. Basically, high risks and high returns are not great. Suppose you lose 500 thousand and the interest is only for one year. Maybe 25 to 60 if you make money.
The above answers are answered by: Liu Shi.