What is the income of 65438+ ten thousand years of financial management?
1, Monetary Fund
Take Yu 'ebao as an example. Assuming that the 7-day annualized rate of return is 2% and the principal is 100000, then the 7-day income is 100000 * 2% * 7/365 = 38 yuan, and the daily income is 38/7=5.47 yuan, so the annual income is about 5.47 * 365.
2. stocks
Assuming that the principal 100000 is used to buy stocks, the annual return rate of stocks is 20%. If the handling fee is not calculated, the annual return is about: 100000*20%=20000 yuan.
3. Bank deposits
Time deposit: assuming that the annual income of the bank is 1.75% and the principal is 654.38+million, the annual income is100000 *1.75% =1750 yuan.
Current deposit: the current interest rate is generally 0.3%, and the annual income of 65,438+million principal deposited in the bank is about: 100000*0.3%=300 yuan.
Structured deposit: the structural interest rate fluctuates, assuming its annual rate of return is 3%, then the annual rate of return is: 100000*3%=3000 yuan.
4. Other wealth management products
There are capital preservation products, non-capital preservation products and term products. The annual yield of wealth management is around 3%-5%, such as bonds and other types of wealth management products. The greater the income, the greater the risk, generally 654.38+ 10,000 yuan for financial management. The annual income is about 3000-5000 yuan, calculated according to the interest rate of wealth management products selected by investors.
Is there any way to maximize the benefits?
1. Reasonable allocation according to risks
Investors can choose financial products with different risks to invest according to their risk tolerance and investment preferences. For example, buying two or three wealth management products with a yield of 4-6% is generally a medium-risk product, and the income is also considerable.
2. Reasonable allocation according to the investment period.
Investors can buy short-term financial management and long-term financial management at the same time, and the allocation ratio is about 50% each, which is convenient for investors to calculate and avoid liquidity risks.