If you just want to invest, according to your description, 4 thousand a month and 48 thousand a year. Calculated by the principal of 500,000 yuan, the annualized rate of return is close to 10%.
If you want to achieve a profit of around 10%, you can consider the following channels:
The first is fixed income financial management. At present, P2P financial management is more common, which can reach more than 8%. It is suggested to choose a large platform with the background of state-owned assets or banking department, and set up risk control guarantee mechanisms such as bank depository, pre-loan and post-loan management, which is more conducive to the security and stability of funds.
Second, the fund. Divided into fixed investment mode and full investment mode. The fixed investment of the fund belongs to the saving mode of zero deposit and lump sum withdrawal, which attracts long-term chips at the low position and makes profits at the high position. According to historical data, the fixed investment of index funds can achieve annualized income of more than 15%; The whole fund investment method needs a certain initial investment principal, which is generally recommended to be above 20 thousand. If you choose funds with large volatility, such as stock funds, index funds and hybrid funds, you can also get a return of 15% by looking at history.
However, you require a monthly income of more than 4,000 yuan, which is difficult to achieve according to the current fixed interest rate financial products on the market, such as a better money fund, with an annual income of about 4%! In order to realize the compound annual income above 10%, it needs to be realized through asset allocation, and the income in this process will definitely fluctuate with the fluctuation of the asset market. For example, if you insist on investing in index funds for a long time, the compound annual rate of return can reach 10%, but not 4000 per month. If you have a few months, you may see that the book is still floating, so understand that the compound annual rate of return exceeding 10% is actually realized by combining asset allocation with long-term investment. Short-term financial products, such as P2P or grabbing a few stock trading boards, are risky!
Because the demand for income is relatively high, the risk of realizing it is relatively large. Personally, I think it is difficult for people who don't know much about the stock or investment industry to earn more than 4,000 yuan a month. It is suggested that the target income should be reduced a little, and the risk should be reduced accordingly to ensure the safety of the principal.
Finally, the suggestions are to allocate investment, disperse funds, be familiar with the characteristics of various investment channels, master certain financial management knowledge and control investment risks.