1, deposits and national debt. At present, the lowest yields are bank deposits and national debt. At present, the deposit interest of big banks generally does not exceed 3.6%. Even if the deposit interest given by small banks is relatively high, it will basically not exceed 4.5%. This means that if you put 500,000 yuan in the bank, you can only get interest of about 6 1.65 yuan a day at most. If you buy government bonds, according to the current interest rate level of government bonds, the interest rate is even lower. At present, the interest rate of three-year treasury bonds is only 3.35%, and the interest rate of five-year treasury bonds is only 3.52%, which is equivalent to buying 500 thousand treasury bonds. You can only get 17600 yuan a year at most, and the average daily interest is only about 48.2 yuan.
2. Bank wealth management products. There are many wealth management products in banks, and the risk levels of different wealth management products are different, ranging from R 1 to R5. Let's take R2 as an example. R2 is a low-risk wealth management product, which can protect the principal and interest under normal circumstances. The annualized rate of return of this kind of wealth management products is generally between 4% and 6%, which is still far from the expected rate of return of 7.3%, so most wealth management products can't reach the title.
3. trust. At present, the annualized rate of return of many trusts can reach 6.5%~ 10%, and it is still possible to reach a rate of return of 7.3%. However, at present, the trust has high requirements for investment. The general financial account balance needs to reach more than 3 million, and the investment amount needs to reach more than 6.5438+0 million. People who don't meet the requirements generally can't buy a trust. However, some wealth management products based on Xindu assets can be purchased through banks or other wealth management platforms.
4. Corporate bonds. At present, many companies issue bonds at relatively high interest rates, especially those with poor qualifications. The annualized rate of return of the bonds they issue may reach more than 7%, or even more than 8%, but the potential risks of such bonds are relatively large. As for whether to invest or not, everyone must think carefully.
5. Equity funds. Equity fund is one of the products with the highest potential income in the market at present. If the market performs well, it may get an annualized rate of return of 20% or even higher. However, the volatility of stocks and funds is relatively large, and the potential risks are relatively large. In case of a bad market, there may be a loss of more than 20%, so stocks and funds are not suitable for short-term investment. However, from the perspective of long-term value investment, as long as you choose the right stock, choose the right fund and insist on long-term holding, the annualized rate of return is still considerable on the whole. Taking 3-5 years as a cycle, the annualized rate of return is above 7.3%. I don't think it is a big problem.
6. Other venture capital wealth management products. There are many other venture capital financing products mentioned here, such as futures, precious metals and private placement. These venture capital financing and debt reduction have relatively high returns. It is possible to double your assets within one year, but the potential risks are also great. For example, if you add a lever to futures, you may lose all the margin in one trading day. Compared with various wealth management products, no wealth management product can guarantee stability and security on the basis of annualized rate of return of 7.3%.
Security and income are like fish and bear's paw, you can't have both. Although deposits and treasury bonds are highly safe, as long as they are handled through formal channels, there is basically no risk, and even the principal and interest can be recovered after maturity. However, at present, the yields of both deposits and government bonds are relatively low, basically not exceeding 4.5%, which is far from the annualized rate of return of 7.3%.
In addition, although these wealth management products of equity funds have a high potential rate of return, these wealth management products can not protect the principal and interest, and the potential risks are very great. Therefore, it is impossible to obtain a 7.3% income and ensure the safety of principal and interest. The only thing you can do is to make a scientific portfolio investment properly. For example, if you spend a part of 500,000 yuan to buy some low-risk wealth management products, and then spread some funds to stocks and funds, it is still likely that it will take 3-5 years, through scientific and reasonable asset allocation, or more than 7.3%.