It is too difficult for ordinary people to achieve financial freedom. Their wages can only support themselves, but they cannot make more new breakthroughs. They can only maintain an ordinary life of food and clothing.

Someone asked, is it reliable to borrow money to invest?

Can you make money by buying stocks and funds?

When you come to settle the accounts, you know you can’t jump into this pit!

If you borrow 1,000 yuan for a period of 3 months and use it to buy a fund, then you think the income within these 3 months should reach 2.5% to offset the interest on the loan.

Unfortunately, you will have to pay back 341.66 yuan in the first month, leaving you with only 658.34 yuan of principal to buy the fund; in the second month, you will have to pay back another 341.66 yuan, leaving you with only 658.34 yuan of principal to buy the fund.

There is only 316.68 yuan left in gold.

Your principal is reduced month by month, so your return on investment funds in these three months should be greater than 2.5% to offset the borrowing interest.

Let’s take a look at what the current yield on Yu’e Bao is?

The latest seven-day annualized rate of return is 2.964%. If you deposit Yu'ebao for three months, the rate of return can only be transferred to an interest rate of 0.4%.

You can only earn 4 yuan by borrowing 1,000 yuan. If you use it to buy risky products, once you lose money, it's over.

The borrowed money will accrue interest every day, and the worst case scenario for your fund investment or stock investment is a loss, that is, losing your wife and losing your army.

It is worth noting that Jiebei strictly stipulates that borrowed money cannot be used for investment. Once found, the qualification for Jiebei borrowing will be cancelled, which is to steal the chicken but lose the rice.

If you borrow money from friends or relatives to invest, you may be in a bloody disaster if you lose money, so the pit of borrowing money to invest is too deep, so don’t jump.