It should be easy to achieve an annualized income of more than 5%. For this kind of thing, you should lack relevant investment knowledge and experience. If your money is surplus, you can still take some risks. In fact, the best way to make a fixed investment fund is based on some historical statistics. It is the most conservative to be a fixed investment fund with an annual return of at least 10% without encountering the extreme situation of falling from 6000 points to 2000 points. Your current 70,000 yuan may be similar to 7,000 yuan per year.
If the market trend is predicted well, you can earn 20% every year. I think this is an optional orientation. For fixed investment funds, don't touch these active funds, and do more passive index funds. This kind of equity fund is generally not damaged by selling the company's fundamentals. More than 70 thousand, earning more than 1 10 thousand a year, and the yield is only about 1.43%, which is really a little low. One-year fixed deposit of financial institutions 1.75%, and the corresponding amount of more than 70,000 yuan is 1.225 yuan.
According to Alipay's current annualized rate of 1.8%, the annual income is also 1.26 yuan. But fortunately, there is no loss, because many people put their money in Alipay's stock fund, and the rate of return is negative, but it is actually a loss. Therefore, investment and financial management is not to say that we don't care about the rate of return, but to find a relatively safe method.