There are two ways to achieve this goal: one is a single product model, and the other is a combined product model. My financial management goal is to "guarantee 7 and strive for 10", that is, to ensure a 7% rate of return and strive for a 10% rate of return, which is close to the target. Let me talk about my experience for your reference.
At present, there are not many products with a fixed rate of return exceeding 7.2% in the wealth management market, but there are also some, mainly two kinds, which I have invested in.
One is P2P financial management, with an annualized rate of return of around 8-9%. Since the thunderstorm last year, it is relatively calm now, and it is at a critical time for filing and rectification. It should be said that after "big waves scouring the sand", the risk of P2P is relatively reduced, and most of the head platforms are relatively valuable for investment. There is no pressure to invest 600,000 yuan in P2P to achieve a monthly income of 3,600 yuan in a single product.
The other is trust investment, the annualized rate of return is about 7-9%, but there is a threshold for trust investment, which requires investment of more than 654.38+0 million. If your capital can't meet this standard, you can invest with others. I've done this before, and it's no problem to achieve an annualized rate of return of 7.2%.
Many people may not adapt to a single product investment. In fact, I also tend to achieve some financial goals through portfolio investment. To achieve a yield of 7.2%, a single low-risk product can't achieve it. It is necessary to combine products with different risk returns, put most of the funds on low-risk products and a small amount on high-risk investments, so as to achieve the overall investment goal.
Take securities investment as an example. 600,000 configurable low, medium and high products, such as five-year bank deposits of Yilian Bank, with annualized rate of return of 5.45%, 400,000 configurable, and monthly income 1.8 1.6 yuan; 65,438+10,000 yuan invested in P2P wealth management products, with an annualized rate of return of 9% and a monthly income of 750 yuan; 65438+100000 yuan investment index fund, annualized rate of return 15%, monthly 1250 yuan. The sum of the three kinds of income is equal to 38 16 yuan, exceeding the target of 3,600 yuan.
The way of portfolio can allocate funds to products with different risks and play a role in balancing risks. In case of single product problems, it will not affect family life.
The above is just an example, which plays a role in attracting jade. The specific investment needs to be decided according to your own situation. First, look at your ability to understand and grasp the product. Second, look at your risk tolerance. Third, it depends on the convenience of product acquisition.
In the current financial market, it is basically impossible to achieve an annualized return of 7.2% without risk. If you can take a certain risk (the risk is controllable), it is still possible to achieve an annualized income of 7.2%. According to diversification theory, we should not put eggs in one basket and invest in multiple products to achieve diversification. Let's think about how to diversify our investment.
Huiying-An e+ of China Ping An's lufax is guaranteed by Ping An Property Insurance and Ping An's guarantee company. The repayment adequacy ratio of Ping An Property Insurance is close to 200%, and the repayment is guaranteed. The annualized interest rate is 8.4%, and the repayment method is equal principal and interest. The total * * * interest for 450,000 years is 60,643 yuan, and the average monthly income is 1.684 yuan. The equal monthly principal and interest are repaid to 1.4 1.84 yuan, and 5.45% time deposit is invested after monthly payment, with a total income of 40,583 yuan and an average monthly income of 65,438+.
The monthly income of short-term debt fund is 259 yuan+time deposit is 454 yuan+Huiying-An e+ monthly income 1684 yuan+Huiying-An e+ average income of return investment time deposit 1 127 yuan, and the total monthly income is 3,524 yuan, which is close to 3,600 yuan per month.
The uninvited question requires an investment with a monthly interest rate of 0.6% and an annual interest rate of 7.2%
To achieve an annual interest rate of 7.2%, guaranteed financial management can't achieve such benefits, and it is still possible to achieve this annual interest rate by taking some risks.
1. Trust. The average yield of trust industry in 20 18 years is 7.8%, which meets the requirements of the topic. However, some trust projects were destroyed on 20 18, but most of them were paid during the year. The overall risk of the trust industry is controllable and trustworthy. The general threshold of trust is 6,543,800 yuan, which is a little different from the principal of the subject, and the subject still has to make up the difference.
2. Optimize asset allocation.
50%, 300 thousand to buy a bond fund, this is a long-term investment, this part of the investment principal security, stable income, sustained growth. There are 488 funds with an expected return of 6%-8%(20 18 * * * with a return rate of more than 6%.
Estimated interest income: 300,000 * 6% = 1.8 million yuan.
65,438+00%, 60,000 yuan to buy a money fund is a short-term investment. This part of the money is used as daily expenses and temporary emergency, which requires strong liquidity. At present, the yield of money funds has generally fallen, and Yu 'ebao only has a profit of about 2.6%, and only a small number of money funds can maintain it at 3%.
Expected income: 60,000 * 3% =1800 yuan.
40%, or 240,000 yuan, will be invested in Shanghai and Shenzhen 300, SSE 50, CSI 500 and Growth Enterprise Market Index in four shares, each with an amount of 40,000 yuan. This is also a long-term investment account, the purpose of which is to earn excess returns. Because I don't know the financial knowledge and the actual operation ability of the financial market, only index funds are recommended here.
Compared with other investment projects, the risks of several funds are much smaller. According to the previous calculation of investment return, if the investment can last for 10 years, the comprehensive annualized return of 10% is not a big problem.
Estimated income: 240,000 *10% = 24,000 yuan.
18000+1800+24000 = 43800 yuan.
3600* 12=43200 yuan
43800 > 43200, which meets the requirements of the topic.
The above two examples are just simple examples. In reality, there are many ways to achieve an annual interest rate of 7.2%, but they all need to bear certain risks and cannot guarantee the safety of the principal. Subjects can also be flexibly selected and matched according to their own use of funds.
600,000 yuan, bank deposits need interest of 3,600 yuan per month, and the annual interest rate reaches 7.2%. This possibility is almost zero! Buying wealth management products, taking a little risk and adopting portfolio investment is still possible!
600,000 yuan, the annual income needs to be above 7.2%. By adopting low, medium and high-risk portfolio investment of wealth management products, taking into account the safety and liquidity of funds, you can get a higher average return on investment!