To realize the income of 40 thousand to 50 thousand, the annualized rate of return is about 8% ~ 10% If you don't want to worry, buy a broad-based index fund (such as CSI 300). Buffett said that buying index funds means buying national wealth, so we are optimistic about the national wealth of our great motherland! ! ! [flash] [flash]
The capital is 500,000 yuan, and the main body's expectation for investment and financial management is 40,000 to 50,000 yuan a year. There are some difficulties, and you need to take some major risks. Teacher Jin believes that there are two ways to manage money for the project:
1. The principal bears part of the risks and expands the income within the controllable risks.
One of the ways of investment and financial management is called "structural", which can be understood as matching financial management. The principal is 500,000 yuan, and the estimated annual interest income is 40,000-50,000 yuan, that is, the annualized rate of return is 8%- 10%. With the low-risk, medium-low-risk financial products on the market at present, it is impossible to achieve, generally between 3.5% and 6%. Medium-risk financial products can be partially realized, but the principal needs to bear some risks.
The annualized income of medium-risk wealth management products is not stable. Teacher Jin doesn't recommend that the subject directly do financial risk with medium risk level, because the product may have potential principal loss, and the maximum loss may reach 30%. Therefore, Mr. Jin thinks it is more appropriate to use the funds for supporting financial management.
300,000 will spend 500,000 yuan on low-risk financial management. In China's low-risk financial management, the highest annualized rate of return should be the large deposit certificate products of private banks, and the annualized rate of return for three years and five years is between 5% and 6%. Although the risk of large deposit certificates of private banks is higher, it is actually a deposit, and the risk is no different from that of time deposits, belonging to a low-risk level. Therefore, this part of the funds can be used as large deposit certificates of private banks, which can improve the overall annualized rate of return.
Another 50 thousand yuan is used to make some medium-risk wealth management products. Of course, we don't just choose products, but choose some wealth management products with foreign exchange and foreign reserves. This product is a structured or mixed wealth management product. The funds are managed abroad, some as foreign deposits, and some as bonds and wealth management. Although the risk coefficient hangs on the medium risk, the actual risk is not high, and the average annual rate of return with a slightly longer term can reach more than 5%, or even 7%- 10%!
With150,000 left, Mr. Jin thinks he can invest in the stock market value. Many people think that the stock market is a high-risk market, but they have not compared the risk coefficient and profitability of the stock market. At present, there are many listed companies with cash dividend rate as high as 5% in value stocks, which is also our goal. On the one hand, you can get cash dividends, on the other hand, you can reap the profits of listed companies' performance growth, thus gaining stability and broadening the profit space.
Although there are some risks in this way, the overall risk is controllable. After all, the principal of 500,000 yuan is only150,000 yuan invested in the stock market, and the risk coefficient is moderate. Moreover, the capital invested in the stock market is a value investment with relatively low risk. In normal years, the annualized rate of return can reach 8%- 10%.
The deposit of 25,000 yuan is only a low-risk and medium-low-risk wealth management product with a high annualized rate of return. The risk level is low, there is no risk of principal loss, and the annualized rate of return can reach about 5%. In the first year, it will definitely not reach the interest income of 40,000 to 50,000. This way needs, and the way of compound interest needs longer time. In the first year, there was about 20 thousand interest, and then the interest accumulated as principal, and the principal became 520 thousand. When the principal and interest accumulated to 800,000-6,543.8+0,000, the interest-bearing income reached 40,000-50,000 yuan.
I know from the description that you have 500,000 deposits and are looking for investment projects. What can I do with an annual salary of 40 thousand to 50 thousand? There are really few investment products with annualized rate of return between 8%- 10%.
(1) My first thought is to invest in real estate. Domestic investment in real estate is the most profitable, and nine of the ten richest people speculate in real estate; I suggest you find some people who are familiar with the industry and have a unique investment vision to help you invest in real estate. Similar to 20 16, the house price soared by 40%~70% in just three or four months, and the money was sold after changing hands.
(2) Secondly, invest in some wealth management products. But if the annual interest rate of wealth management products is between 8%- 10%, you have to bear certain risks. In short, the benefits and risks are in direct proportion. If you invest in short-term wealth management products, trust products, bond products, fixed financing products and other wealth management products issued by some financial institutions, the annual interest rate is above 10%. Of course, the yield of short-term wealth management products of some banks is also above 10%! 2065438+July 2008, Ping An Bank issued 18 1 day wealth management products with annual interest rate of 1 1.5%. Only these annual interest rates can achieve your goal.
(3) Then use your 500,000 yuan to invest in high-risk and high-yield financial products, such as stock trading, futures trading, gold trading, foreign exchange trading and so on. However, these investments are based on eating. With this investment ability, not to mention the annual income 10%, your 30% income is also achievable. Anyway, these investments may realize the probability of your annual rate of return of 8%~ 10%. As for whether it can be realized, it depends on your own nature.
(4) If you don't want to invest this 500,000 principal and take high risks, but also want to get high returns, you can spend hundreds of dollars to invest and dress yourself up, and you can earn at least 40,000 to 50,000 yuan a year moving bricks at the construction site. Or invest in industry, invest in small business, open a fast food restaurant, breakfast shop, snack shop and so on. Small business for a year, the income is also considerable.
(5) In short, it is impossible to achieve an annual rate of return of 8%~ 10% if you want to use 500,000 principal and make zero-risk investment. Bank time deposits, certificates of deposit, Yu 'ebao, WeChat change pass, reverse repurchase of government bonds, etc., these wealth management products are impossible to achieve, and the annual yield of these wealth management products is 6%, so it is difficult for low-risk investments to have high returns.
The above is based on your description and my personal analysis. What should I do to realize that I can earn 4~5 yuan every year with 500,000 yuan? It's up to you to decide exactly what to do to realize your dream income. Good luck with your investment.