300,000 yuan is 73,000 yuan a year according to the daily profit of 200 yuan. The annualized rate of return calculated in this way is 24.33%, which is difficult to achieve in normal financial management.
First of all, generally safe or relatively safe wealth management products are not available. At present, the yield of general safe wealth management products simply does not reach 24.33%, and the highest yield is generally 5.5% annualized. At present, the generally safe wealth management products are mainly savings-type government bonds, large deposit certificates and new deposits from private banks.
Now savings bonds: 3-year savings bonds has an annual interest rate of 4%, and 5-year savings bonds has an annual interest rate of 4.27%; Generally, the annual interest rate of three-year certificates of deposit purchased by 300,000 large banks is 3.988%, while the annual interest rate of certificates of deposit purchased by 300,000 small and medium banks is 4.125%; New deposits introduced by private banks have a high annual interest rate, and some products have an annual interest rate of 5.5%, and they can also pay interest on a monthly basis.
From these three groups of products with relatively high interest rates, it can be seen that generally reliable wealth management products can not meet our wealth management needs.
Secondly, in the stock and futures markets where higher profits are possible, can such gains be obtained? Actually, I think it's also very difficult. First, because of the current background, the overall financial market environment is not good, and investment risks have multiplied. Second, investors' risk tolerance is reduced and their risk appetite is weakened. Therefore, at this time, the stock market and futures market may not only fail to achieve the expected rate of return, but also be a form of investment that cannot bear risks.
While pursuing high returns in the investment process, don't ignore risks. Any investment is risky. No one can promise investors how much profit they can make. The return on investment is only an expected problem, and whether it can be achieved requires the cooperation of the market. Whether it is investing in stocks, futures or opening a physical store, this is true.
To sum up, general and safe wealth management products are excluded, and investment in futures and stock market is almost completely excluded. Under the current circumstances, we must restrain our abnormal desire for money, so as not to lose sight of one thing and fall into the trap of capital.
I'll calculate an account for you. The daily interest on 200 yuan is 72,000 yuan a year. Your principal is 300,000 yuan, so the annualized rate of return should reach 24%. According to the current bank wealth management products, it is impossible to achieve.
So, how to achieve your goal?
The best solution is to invest in the project you are best at!
In the words of our investment bank, investing in unfamiliar projects is the biggest risk!
If you give me this 300,000 yuan, I will achieve your goal like this:
Because I am an apartment investor, simply speaking, I am a low-cost serviced apartment, signing a lease contract with the owner for 5-7 years, and then simply decorating and decorating, so that I can serviced apartment at a higher price! You can understand that I am a second-hand landlord, but this is really a profitable business!
Take Futian District, Shenzhen, my city, as an example. At present, it costs 7000 yuan to rent a 60-square-meter two-bedroom apartment. Then I made a simple decoration to make it Nordic style, and then rented it out at the unit price of 1 1 1,000 yuan, so I earned a difference of 4,000 yuan from the middle, but my decoration cost 50,000 yuan. Furniture upgrade, room intelligent system renovation, bathroom renovation, decoration workers' salary, so it took a month to renovate, and it cost 50,000 yuan, so you don't have to worry, because if you rent it out, you will get it back with a net income of 4,000 yuan per month and an investment of 50,000 yuan 1 year. In the next year, your apartment will cost 1 0,000 yuan.
In fact, the cost of a suite is 50,000 +2 1 10,000 (one pays two) and the investment is 7 1 10,000. You have 300 thousand in your hand, you can take three suites first. Do a high-end apartment renovation. Then in the second year, your monthly net profit will be 15000 yuan, which is equivalent to earning 500 yuan by lying down every day.
But in reality, is this project feasible? According to local conditions, Beijing, Shenzhen and Shanghai are suitable for investing in high-end apartments, while other cities are immature and have poor purchasing power. But in second-tier cities, it is suitable for ordinary apartment decoration, and the profit is also very good.
200 a day, 6,000 a month and 72,000 a year. The principal is 300,000 yuan, which means the annual interest rate is 24%.
No financial management has this rate of return. If someone tells you there is, slap him.
300,000 barely reached the threshold of bank certificates of deposit, and the annual interest rate of big banks was 3.8-4.2%, which was much stronger than the deposit balance. Looking for a rural credit cooperative of a regional city commercial bank, the interest may reach about 5%, and there is also an interest of 15 thousand a year.
A reliable trust bypasses many real estate trusts in recent minefields, such as choosing a consumer finance trust with an annual interest rate of 7.5%-9%, which is relatively more reliable than P2P. Lufax has stopped P2P and only engaged in consumer finance. The probability of trust explosion is much smaller than that of these P2P companies, and it is a channel with relatively balanced risks and benefits.
In a word, it is impossible for fixed-income financial management to reach the annual interest rate of 24% you mentioned.
Then, the rest are either trading stocks or starting businesses.
Although I am also a stock trader, I don't recommend novices who have no experience in stock investment to enter the stock market. The stock market lost seven, tied two and won one. If you don't have your own investment ideas, it is cannon fodder. Of course, if you choose a relatively stable consumer fund, the annualized rate of return above 10% is still no problem, but this is not an investment that can pay dividends every month.
Or open a fast food restaurant, a tea shop, a ten-dollar shop and run it well. Or be a second landlord, take over the house and rebuild it before subletting it. These projects have certain risks, but if they are done well, the probability of success is not small, at least it is not difficult to meet the standards you want to say.
Of course, if you just want to stay at home and get 200 yuan interest on the 300,000 rent, forget it. If there is such a project, you may lose 300 thousand's principal.
(Qingxi)