It is really a dream that ordinary people can have 1 million. If it really falls from the sky, many people are willing to burn incense every day.
But I estimate that if ordinary people have 6.5438+0 million, and rich people generally have several hundred million, money is even more useless. Therefore, ordinary people can still spend 6.5438+0 million in their daily lives, such as students going to school, the elderly seeing a doctor, buying a car and buying a house. Even in the county seat, I'm afraid it's 654.38+0 million. I don't know if I can avoid maintaining these expenses. I don't know if I can save money.
1000000 yuan is beyond the imagination of people without money. A rural family can only earn one or two thousand yuan a year. I really couldn't make money in the past few years. A person spends money before the age of 30, after the age of 60, and earns money in the middle of 30. Only 200,000 yuan a year for 20 years and 600,000 yuan for 30 years. How much can you eat, drink and wear? I am so happy to have 1 10,000 at once, but I can't laugh when I think about it calmly. There are two old people in the world who are not seriously ill and get more than 10 thousand yuan of medicine a year. It's hard to say whether they are seriously ill. There are two students with an annual salary of 30 thousand I can't drive students and the elderly to see a doctor without a car. A car costs tens of thousands of yuan. Our house here is now more than 400 thousand without decoration. I don't know how much I took after the renovation. What do you think this 1 ten thousand yuan can do? If you buy a house first, you can save a little, and the interest will not be much. If we can maintain the normal expenses at home without delay, it will be almost the same. If you dare to let the chicken lay eggs first, I'm afraid the chicken will fly without laying eggs.
There are both ordinary people and ordinary people's ideas. 1 10,000 yuan, you can buy a house first, and you will feel safe if you have a house. I remember that when I was only reforming and opening up, we could buy a small courtyard on the edge of the county, which is now in the city center. At that time, my income was high, so I could buy two a day, because I didn't want to live in the city. It is impossible to farm in the countryside now, and I don't regret buying a house in the city for four or five hundred thousand. The second is to buy a car. Now it's more convenient to have a car without one. In addition, others are saying that if we move forward slowly, the old-age insurance can be paid. Financial management is not the pursuit of ordinary people, because we earn interest and deposit money in the guarantee company, and as a result, the guarantee company closes down, and people here are also afraid.
Well, tell a joke! Ten years ago, I was chatting with a friend. At that time, I said that if our husband earned 5000 yuan a month, we wouldn't go to work, walk the dog in the park or look after the children at home. That's our per capita income of 1, 000 yuan. After more than ten years, we have an average of 5,000 yuan per person per month, but now we feel that this 5,000 yuan is not as good as the previous 1000 yuan. So, don't say 654.38+0 million. Now you give me 654.38+0 million, I dare not stop, because money is just a pile. It really doesn't give us much sense of security.
654.38+0000 is a huge sum for ordinary working class. If there is 654.38+0 million, which is the best choice for value-added, then we will choose financial management or investment. My personal suggestion is to divide the 6.5438+0 million into three parts, not all of them. Diversify investment, reduce risks, and prevent the loss of 654.38+0 million from returning to the past.
The first one must ensure that the money is used for time deposits. At present, the interest rates offered by large and medium-sized banks are not very high. The interest rate of three-year ordinary deposits is only about 3.5%, the interest rate of large deposit certificates is about 4%, and the interest rate offered by small banks is relatively high, generally around 4.5%. However, I often say that the management loopholes of small banks are relatively large, and it is not recommended for a bank to have more than 500,000 funds, because time deposits are protected by deposit insurance. The maximum amount of compensation is 500,000, so it is not recommended to deposit more than 500,000 in the bank, and this money is the guarantee of our life and will not return to our previous life.
The second one can do low-risk financial management or buy national debt, which is risky. The annualized interest rate of ICBC's wealth management products is only 4%, so now it depends on the risk level, preferably R 1, R2 level, mainly depending on the individual's risk tolerance. National debt is a relatively safe variety. Recently, our national debt hit a two-year high, but it needs to be snapped up. National debt is also a relatively safe variety. The general rate of return is about 4%-5%, which is similar to the rate of return on time deposits, but the interest rate of national debt is sometimes higher, because the national debt is the bottom of the country and the risk is default. So generally speaking, when a country's economy is in trouble, the interest rate of national debt will become higher, because it needs to borrow money, and the high interest rate can attract more funds, but the risk in our country is still relatively low, mainly because the epidemic has made the world economy difficult, so the interest rate of national debt has also increased.
The third part is to invest in areas we are familiar with. This field depends on personal familiarity, and this money can only be used for investment. You can invest in your familiar fields or hobbies, such as antiques, calligraphy and painting, stock futures, real estate shops and so on. In a word, it is risky to make money with our knowledge. This is also an attempt to maximize our capital. If we fail, we won't go back to the past, because there are guaranteed funds ahead to cover our daily expenses, but don't put them in it.
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Personally, I think it is reasonable and guaranteed to divide 1 10,000 into three parts, but if you want to maximize capital gains, you can only invest. If your investment channels are limited, try what I said. Even if you lose money, there is a guarantee. Remember not to invest all your money, because it is not easy to make money and it is easy to lose money.
Ordinary people have 1 ten thousand to do three things.
First, buy a small apartment in a tourist attraction, and control the area below 60 square meters. When choosing tourist attractions, we should avoid hot spots and don't over-develop them. Choose Guangxi, Guizhou and Yunnan. These places, especially the Yunnan-Guizhou Plateau, are natural air conditioners in China with good air quality. Guangxi Nanhai Beihai Bay and Qinzhou Bay are deep in the sea, with backward economy and seriously lagging industrial development, including tourism development, simple folk customs and relatively low prices. Suitable for the actual life and expenses of the working class accounting for 400,000. Take your family or friends to relax every year, have a petty bourgeoisie, improve your life taste, and rent at ordinary times.
Second, buy 0.2 million/200 thousand national debt, which is the current formal channel in the country with the highest security level and interest rate.
Third, buy 50% of the 200,000 small and medium-sized board fund, and the standard price-earnings ratio is below 30 times. The remaining 654.38 million yuan was used for national defense. If it goes up, it will wait for profit, with a profit of 30%. If it goes down by 20%, it will cover the position, 50,000 yuan, and the second part will make a profit of 20%. Go back and forth, buy only one stock, operate back and forth, regardless of things.
In short, this arrangement must be vigorous, interesting, advancing and retreating, supporting the future, moistening things silently, moistening things silently, both traditional and innovative. Magic prescription!
There is nothing in Wan Li. Third-tier cities can buy suites, but they can't decorate them yet. Second-tier cities can buy a bathroom, and first-tier cities can only go shopping! Go to a remote rural area, and you are the boss!
This age is still talking about 6.5438+0 million yuan. How poor is this? It is holding back the motherland. Now everyone in first-tier cities is not worth millions, and 654.38+0 million in second-tier cities can't buy a good house. Now it's time to discuss how to deal with this100000 ordinary people.
In fact, 1 10,000 yuan is a huge sum for most people. The subject here refers to ordinary people, so generally speaking, our resources are limited. Therefore, we'd better invest this money in wealth management to maintain and increase value. In order to reduce the investment risk, it is suggested to carry out supporting financial management.
First, the investment of the capital preservation fund needs to be divided first and then invested, so the first consideration is that the investment risk is low and the principal is guaranteed. We can use this part of the funds as a large deposit certificate of the bank for deposit. At present, the deposit interest rate of three-year certificates of deposit in the four major banks is 4. 125%, but if you have a lot of deposits, such as 500,000 yuan, you can negotiate with the bank. It can reach about 4.5%, and the interest rate of large deposit certificates of some small and medium-sized banks is as high as 5%. It is worth mentioning that bank deposits are protected by bank insurance laws and regulations, and deposits within 500,000 yuan are given priority to be fully paid by banks. Therefore, the security of bank deposits is very high, mainly as a guarantee for investment risks.
2. Low-and medium-risk investment This part of the investment has certain risks, but the risk coefficient is relatively low. Such investment products include national debt and low-risk R 1 and R2 wealth management products of banks. National debt is a relatively safe variety. Recently, our national debt hit a two-year high, but it needs to be snapped up. Treasury bonds are also relatively safe varieties, and the yield is generally around 4%-5%, which is actually similar to the fixed deposit yield. But the interest rate of national debt is sometimes higher, because national debt is the bottom of the country, and the financial risk of bonds lies in default, but the national credit is recognized by everyone, so the risk coefficient is relatively low.
3. Medium and high-risk investment This part of the investment is mainly used to pursue higher returns, so the risk is relatively much higher than the first two. Generally speaking, this part of the funds can be invested in index funds. Generally speaking, the investment time of this part of funds is relatively long, but it is precisely because of time that the risks are dispersed. Therefore, the risk is lower than that of stocks and other financial management methods, and the average annual growth rate of fund investment can reach 25%-40%. Generally speaking, funds such as consumption and energy science and technology sectors can get considerable returns through long-term fixed investment.
Fourth, invest in familiar fields In addition to investing in wealth management products, you can also invest in your familiar fields or hobbies, such as antique calligraphy and painting, commercial projects and so on. This depends on your own situation. If you have certain resources and contacts, you can try to start a business.
To sum up, investment and financial management is the most direct way to resist inflation, but investment is risky, so it is necessary to divide the funds well and diversify the investment to obtain the highest income under the premise of ensuring stability.
When we have 1 10,000 idle funds, we may start to think about how to use or deal with them. It's just a deposit, and I feel that the interest is not high. If I manage my money, I'm afraid there are risks. Therefore, it is likely that the decision will be delayed. In fact, we should have a financial thinking when using any sum of money, and the ultimate goal is to make the "Qian Shengqian" within a reasonable range.
1, find the correct location of a sum of money. For the funds in hand, we must be clear about the positioning of this money. In other words, whether the money is in urgent need of turnover or simply idle funds. Suppose the money is likely to meet short-term expenses or expenses. For example, there are plans to buy a house and car in the near future, which is only suitable for short-term financial management. And if this is idle assets, then you can choose various types of financial management.
2. Find your own investment risk preference. Financial management must not follow suit. What is suitable for others may not be suitable for you. Some people hold the wind steady and don't want to lose money; There are also people who value income the most, and are willing to take certain risks in order to win more income; Some people can accept fluctuations among wealth management products, while others find it difficult to accept fluctuations and floating income.
Therefore, before making any kind of investment, we must first understand our investment preferences and not blindly choose, so as not to be blocked in the investment process. Risk preference is actually related to personal wealth strength. Under normal circumstances, if you just step into the society, you will accumulate little wealth and have a weak tolerance for risks. People who have accumulated certain wealth, rich social experience, or have a fixed high income will be more tolerant of risks.
Therefore, if you are risk-averse, low-risk investment types need to account for a large proportion of the investment of 6.5438+0 million, generally speaking, at least 60% to 80% (600,000-800,000) of the investment of 6.5438+0 million; On the contrary, the proportion of medium-risk or even high-risk financial management can be appropriately increased.
3. Setting a good financial goal The financial goal is the annualized rate of return that investors hope to achieve. According to different financial goals, the financial management methods they choose will be different.
If you want to give priority to capital preservation and the yield is less than 3%, then you can choose about 80% of the 654.38+0 million fund, and the remaining 20% can choose the monetary fund. This investment method can maximize capital preservation, and the comprehensive rate of return can easily reach 3%.
If you want to achieve a rate of return of about 5% with a small loss probability, then you can choose 50% certificates of deposit as backup, 20% money funds to maintain balance, and 30% short-term risk management.
If you are willing to bear the risk of principal loss and hope to achieve a rate of return higher than 5%, you can choose 20% to 30% of the 654.38+million funds as reserve fund, 40% for short-term risk management and 30% for index funds or equity funds. Appropriately increasing high-risk products can strive for higher returns.
Generally speaking, no matter what investment you make, you should allocate and combine funds reasonably. The risks of different wealth management products are relatively independent, and diversified investment can appropriately diversify risks. To calculate the proportion of wealth management products with various risk levels, it is necessary to analyze and choose according to investors' own investment preferences and investment objectives.
How should ordinary people deal with 1 10,000? 654.38+0000 is not a small sum for ordinary people, so how to allocate 654.38+00000 capital to realize effective value?
Just invest directly.
But after all, 654.38+00,000 yuan is not easy to obtain, and the risk needs to be controlled.
So, what should be done?
Stable income can be obtained through asset allocation.
For example, you can buy some guaranteed deposits, or banks manage their finances steadily, or high-risk funds.
By matching different products with different proportions, higher yield can be obtained.
For example, if you only buy deposits, the yield is relatively low, although it is safe, or if you only buy funds, although the expected return will be higher, the risk will be higher.
So, in that case, a comprehensive match is enough.
You can buy 20% at breakeven, 20% at high risk, and the rest are low-risk intermediate income financial products.
Of course, it still depends on the individual's risk tolerance and the flow of products.
Relatively speaking, funds can buy open-ended, so that liquidity will be better.
Other parts need to expire regularly.