1 million wealth management earns 13, yuan a year, and the expected return is more or less. The formula for calculating the expected return of wealth management is as follows: expected return = principal * expected return * product period /365. If the expected return of principal is 13, yuan a year, it means that the expected annual return rate has reached 13%. Judging from the expected rate of return of various wealth management products, 13% already belongs to the expected rate of return of wealth management at a medium to high level.
1. After the implementation of the new regulations on bank wealth management and asset management, most of the new wealth management products issued by banks are net-worth products, and the expected return of products is calculated according to the net value of products, so the expected return is not promised. However, from the actual situation, bank wealth management products are mainly sold to ordinary individual investors, so the risk level is generally not high, and the actual expected rate of return is mostly around 5%. Therefore, it is still difficult to earn 13, yuan a year by purchasing 1 million bank wealth management products.
2. Individual fund investors buy more OTC open-end funds. From the perspective of expected returns and risks of funds, the expected expected returns of money funds and bond funds are relatively low. The average annualized expected returns of money funds in the past seven days are around 25, yuan for one million years, 6% for bond funds and 6, yuan for one million years. Equity funds such as hybrid funds and equity funds invest in stocks in a relatively high proportion, so the investment risk and expected expected rate of return are relatively high. If a better equity fund is selected, it is also possible to earn 13, yuan a year by investing 1 million yuan. In 219, the annualized expected rate of return of some equity funds even reached more than 3%. Therefore, in general, earning 13, yuan a year from 1 million financial management is already a high level of expected income. The above content about 1 million financial management earning 13 thousand a year, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.