1, all in a money fund with good liquidity.
This is a lazy way of managing money. The idle money that is not used for the time being is directly transferred to the money fund, and it can be taken out at any time when needed, which is convenient, flexible and profitable. If 654.38+10,000 yuan is used to buy goods, and the yield can be maintained at 4% in the next six months, then the income after six months is: 100000*4%/2=2000 yuan.
The advantages of this scheme are strong liquidity and safe funds; The disadvantage is low income.
2, all in fixed income products.
Considering the requirements of investment cycle and yield, treasury bonds and bank time deposits can be ignored for the time being because of their low interest rates. The remaining bank wealth management and Internet fixed income products can be selected. If you buy 50,000 yuan for each of the two products, according to the average income of 5% for six months' bank financing and the income of 90 days' internet fixed income 12.8% (for example), the income you can get after half a year is 50,000 * 5% *180/365+50,000 */kloc-0. If you think that 65,438+10,000 yuan is not too much, it is not worth investing alone, or you can only buy Internet fixed-income products, then the income after half a year can reach 63 12 yuan. The premise of choosing this is that you can guarantee that you won't use the money for half a year.
His advantage is that the overall rate of return is high, but his disadvantage is that there is a closed period and he can't withdraw it before it expires. Investment needs to identify the nature of products and whether the platform is of high quality.
3. Allocate money funds and fixed income products respectively.
The scheme follows the principle of diversification of investment. For example, 30,000 yuan is used to buy money funds, and 70,000 yuan is used to buy Internet fixed-income products (calculated by 90-day Internet fixed income 12.8% income), so the income after half a year is 30,000 * 4% *180/365+70,000 *12.8%. The advantage is to ensure the liquidity of some funds and obtain higher returns at the same time. The disadvantage is that the money put in the money fund will drag down the overall income.
Step 4 invest in physical stores
Now with the rise of sleep online shopping, some entities are not doing very well. However, with the improvement of people's living standards, more and more people pay attention to their appetite. Barbecue, hot pot, barbecue, Sichuan cuisine, Cantonese cuisine and so on are all popular, so investment is also possible.