1 use a credit card or an ant flower bud suit to withdraw money. Do you want to buy a fund?
To answer these questions, we need to calculate an account:
1 fund income.
The daily increase of the fund is between-5% and+5%. Usually around 2%.
According to the income ranking of a treasure fund. Some funds have good returns (coinciding with the bull market rising period), which can increase by 30% a month, that is, 1w yuan to buy funds and do nothing every day, and 1 month can earn 3,000 yuan.
However, the market has ups and downs. A 30% increase also means a 30% decrease in one month, or a continuous decrease in one year, or a 0% increase in three months. These are all risks.
If you have the principal 1w yuan, and the fund is well selected, you will earn 3000 yuan every month and 30000 yuan a year every time you buy in the low-value period. The fund will make a fixed investment every week (assuming that it earns 3% in 8 days, 1 month 12% and 1 year 144%), buying low and selling high may be even higher. However, this is the ideal situation.
Therefore, as of September 6, my editing date, the fund's best return in the past year was 86%. That is, 1 0,000 yuan became 1 8,600 yuan a year later. This is a realistic ideal situation.
2 After reading the benefits and risks (risks are particularly important, and no one can predict whether the future will rise or fall). Then we analyze the interest rates of various borrowing methods.
A Let's start with Ping An 18 Consumer Provident Fund. (The telemarketer seems to emphasize 0.83%), but he never told you that this is the monthly interest rate. Multiplied by 18 is the total interest rate 14.94%. 9.96% is the annual interest rate. But is this really the case? The answer is no, because from the day you borrow money, you have to pay it back every month. On June 5438+ 10, you had a principal of 80,000 yuan. In February, you only had 75,000 yuan, and it is still decreasing. So the annual interest rate is above 9.96%.