Before, I put my money in Yu 'ebao. Ten thousand yuan is a few cents a day. Later, I bought some wealth management through recommendation. For one month, half a year and one year, the income of regular wealth management products is better than that of Yu 'ebao. On average, 10 thousand yuan earns one yuan a day. Yu 'ebao is suitable for friends who often need money and people who have spare money for a long time. I contacted the fund half a year ago, but later I bought it a little slowly. Under normal circumstances, the income of buying a fund is 3.4 times that of regular financial management, and the risk is much higher. However, the risk of funds is smaller than that of stocks, and we have special managers to take care of them. Personally, I suggest buying funds for a long time, with frequent trading and high handling fees. You won't make much money in the end. In addition, I try not to buy a fund at once, buy it in batches, and buy a little if it falls.

70,000 yuan earned more than 1 10,000 yuan a year through Alipay, and the annualized rate of return was only about 1.4%. This income is really too low, indicating that you have never played Alipay.

In addition to being a third-party payment tool, Alipay has also developed a variety of wealth management products, including Yu 'ebao, regular wealth management, funds and gold. As long as it is carefully studied, as a one-stop financial platform, ordinary investors can use it completely enough, and it should be easy to achieve an annualized rate of return of more than 5%. As you said, this situation should be due to the lack of relevant investment knowledge and experience.

Talk about some of my experiences and opinions, hoping to enlighten your financial thinking.

1, regard Yu 'ebao as the basic product of Alipay wealth management.

70,000 yuan in Yu 'ebao can achieve a yield of about 2.5%. The annual income should also exceed 1, 750 yuan, which is much better than Yuan You's 1 000. Therefore, if you are a wealth manager, the first step is to transfer the funds to Yu 'ebao and enjoy the basic income of 2.5%.

2. Make Alipay's regular financial management an investment upgrade product.

Alipay's regular financial management belongs to low-risk and steady financial management, and its annualized rate of return is much higher than that of Yu 'ebao, which can reach 3.5%-5%.

Therefore, in order to improve the wealth management income, the second step is to transfer some funds to Alipay's regular wealth management products. At first, you can choose some short-term financial products to accumulate experience. In the medium term, products with different maturities can be combined to obtain higher returns; Finally, rolling investment in some high-yield wealth management products.

In this way, your investment income in Alipay can reach more than 4%, and the annual income of 70,000 yuan can reach about 2,800 yuan, which is more than doubled now.

3. Try to invest in medium and high-risk funds.

There are many kinds of funds, including low-risk money funds, medium-risk bond funds and high-risk partial stock funds. With the increase of risk, the possible income will also increase, so we should improve our financial knowledge and ability and strive to get higher income.

70,000 yuan can invest about 20% of the funds in medium-risk bond funds. If you choose some fund companies with stable historical performance and good brand and reputation, the annualized rate of return of bond funds can reach about 6%- 10%. As long as you choose carefully and pay attention in time, the risk can be controlled.

You can also invest about 10% in partial stock funds, and with the accumulation of experience, the investment ratio can be increased. It is best to adopt the method of fixed investment by the fund, without worrying about initial losses. Generally speaking, the more initial losses, the more objective the future income of the fund's fixed investment. As long as it persists for a long time, the annualized rate of return of 15% can be achieved.

In this way, the medium and high risk income can reach more than 2000 yuan per year. If you add Yu 'ebao and regular income, the total investment income of 70,000 yuan can reach more than 4,000 yuan, and the annualized rate of return can reach 6%.

abstract

The above method is not only theoretical, but also a summary of my practical experience, which I did a few years ago. After more than four years of practice, I now mainly invest in partial stock funds. I feel that Alipay's wealth management products are easy to use and easy to learn.

If the annualized rate of return on financial management through Alipay is less than 4%, it is better to buy government bonds, which only shows that your investment method is unscientific and you need to charge yourself.

I might as well buy a money fund. 70,000 yuan is more than 3,000 a year. I only bought it for a month.