Since June 5438+ 10 last year, the upward trend of the money fund's income is still very gratifying under the tight market liquidity. The yield of Yu 'ebao rose from about 2.5% to 3.94%, which took less than half a year.
If you buy all your $654.38 million in the money fund, assuming that the annualized rate of return of the money fund is maintained at 4%, then the annual income is: 100000*4%=4000 yuan.
2, all invested in low-risk areas. At present, there are still many conservative investors, the principal is the most important, and the income is just the icing on the cake. If you want to manage your money, you should choose the bank channel first, and even the hottest money fund is unwilling to contact. Most of them are elderly people.
65,438+10,000 yuan can be distributed to banks as follows: 50,000 yuan for bank financing, 30,000 yuan for national debt and 20,000 yuan for time deposit. At present, the average yield of RMB wealth management products is about 4.2%, the interest rate of 5-year national debt is 4. 17%, and the interest rate of one-year fixed deposit is 1.95%, and the annual income can reach 50,000 * 4.2.
In this way, the comprehensive yield of bank channel wealth management products is not as high as that of all purchases of Yu 'ebao.
3, all invested in high-risk areas. Some risk-averse people pursue high returns, so all their assets are invested in high-risk areas, including stocks, stock funds, index funds and so on. However, stocks and funds need to invest a lot of time and energy, especially stocks, which need to stare at the disk every day and pay attention to industry news, which is suitable for investors with more spare time.
6,543,800 yuan can be distributed in high-risk areas as follows: 30,000 yuan for stocks, 30,000 yuan for stock bases and 40,000 yuan for Internet financing. The returns of stocks and funds are not easy to calculate.
If calculated according to the market price of 20 16, A shares will fall 12.3 1% and the stock base will fall 12.2% for the whole year. The average rate of return on some Internet financing is 10.45%, and the annual income is 30,000 * (10). Therefore, putting all your assets into high-risk areas will take great risks.
4. Steady investment. 50,000 yuan to invest in P2P, divided into two different platforms. However, it is recommended to choose the best platform in the industry, and the annualized rate of return can reach 8%. 30,000 yuan to buy insurance wealth management, the annualized rate of return is around 5%; The remaining 20,000 yuan is put in the monetary fund for petty cash and emergency funds, and the annualized rate of return is close to 4%.
In this case, the annual income is: 50000 * 8%+30000 * 5%+20000 * 4% = 6300 yuan, and the comprehensive annualized rate of return is 6.3%.
5. conservative investment. 50,000 yuan is used to purchase bank wealth management, which is a fixed investment and cannot be used at will; 30,000 yuan to buy a monetary fund, there are many people in the family, and the chances of accidents and illness of the elderly are relatively high, and more liquidity is needed.
1.5 million yuan to buy the fund. Recently, bond funds have performed generally, so hybrid funds can be considered. Since the beginning of this year, the average increase has been above 3%, and the annualized rate of return can reach about 10%, but it is not stable. The remaining 5,000 yuan is purchased for insurance, such as accident insurance for family support and critical illness insurance for the elderly.
In this case, the annual income is: 50000 * 4.2%+30000 * 4%+15000 *10% = 4800 yuan, and the comprehensive annualized rate of return is 4.8%.
People's Daily-People's Daily: It is very important to stabilize investment and be reasonable and effective.