the monthly interest of 6, yuan reaches 3,6 yuan, which is equivalent to the annualized rate of return of 7.2%. This is a relatively moderate income target, but it cannot be achieved only through low-risk financial management, and it can only be achieved through products with medium and high risks.

there are two ways to achieve this goal: one is the single product mode, and the other is the combined product mode. My financial management goal is to "guarantee 7 and strive for 1", that is, to ensure 7% yield and strive for 1% yield, which is close to the topic goal. Let me talk about my experience for your reference.

There are not many products with a fixed rate of return of more than 7.2% in the wealth management market, but there are some, mainly two kinds, which I have invested in.

One is P2P financial management, with an annualized rate of return of around 8-9%. Since the thunderstorm last year, it is relatively calm now, and it is at a critical time for filing and rectification. It should be said that after the "big waves wash sand", the risk of P2P is relatively reduced, and most of the head platforms are relatively valuable for investment. There is no pressure for P2P to invest 6, yuan in a single product to achieve a monthly income of 3,6 yuan.

the other is trust investment, with an annualized rate of return of about 7-9%, but there is a threshold for trust investment, which requires investment of more than 1 million. If your capital can't meet this standard, you can jointly invest with others. I have done this before, and there is no problem in achieving an annualized rate of return of 7.2%.

Many people may not be comfortable with single product investment. Indeed, I also tend to achieve certain financial goals through portfolio investment. To achieve a yield of 7.2%, a single product with low risk can't be achieved, so it is necessary to combine products with different risk returns, put most of the funds on low-risk products and a small amount on high-risk investments, in order to achieve the overall investment goal.

Take an example of portfolio investment. 6, yuan can be allocated to low, middle and high products, such as five-year bank deposits of Yilian Bank, with an annualized rate of return of 5.45%, and 4, yuan can be allocated, with a monthly income of 1,816 yuan; 1, yuan to invest in P2P wealth management products, with an annualized rate of return of 9% and a monthly income of 75 yuan; 1, yuan is invested in the index fund, with an annualized rate of return of 15% and a monthly income of 1,25 yuan. The three kinds of income add up to 3,816 yuan, exceeding the target of 3,6 yuan.

The way of investment portfolio can allocate funds to products with different risks, and play a role in balancing risks. If a single product goes wrong, it will not affect family life.

the above is just an example, which plays a role in attracting jade. The specific investment needs to be determined according to your own situation. First, it depends on your ability to understand and grasp the product. Second, it depends on your risk tolerance. Third, it depends on the convenience of obtaining the product.

it is basically impossible to achieve an annualized income of 7.2% without risk under the current financial market. If we can bear certain risks (the risks are controllable), it is still possible to achieve an annualized income of 7.2%. According to the diversification theory, we should not put eggs in one basket and invest in multiple products to achieve the purpose of diversification. Let's figure out how to diversify our investment.

Huiying-An e+ in lufax, a subsidiary of China Ping An, is guaranteed by Ping An Property & Casualty and Ping An's guarantee companies. The repayment adequacy ratio of Ping An Property & Casualty is close to 2%, and the repayment is guaranteed. The annualized interest rate is 8.4%, and the repayment method is equal to the principal and interest. The total * * * interest for 45, years is 6,643 yuan, with an average monthly income of 1,684 yuan, and the matching principal and interest are paid back to 14,184 yuan every month. If you invest 5.45% of the time deposit in the monthly payment, the total return will be 4,583 yuan, with an average monthly income of 1,127 yuan.

259 yuan per month for short-term debt funds+454 yuan per month for time deposits+1,684 yuan per month for Huiying-An e+ 1,127 yuan for return investment time deposits, with a total average income of 3,524 yuan per month, which is close to 3,6 yuan per month.

come uninvited. The subject's requirement is an investment with a monthly interest rate of .6% and an annual interest rate of 7.2%.

to achieve the annual interest rate of 7.2%, the principal-guaranteed financial management can't achieve such benefits. There is still hope to achieve this annual interest rate by taking some risks.

1. Trust. In 218, the average return rate of the trust industry was 7.8%, which met the requirements of the subject. However, some trust projects were thundered in 218, but most of the projects were redeemed during the year, and the risks of the trust industry as a whole were controllable and trustworthy. The general threshold of trust is 1 million yuan, which is a little different from the principal of the subject, and the subject still needs to make up the difference.

2. Optimize asset allocation.

5%, 3, yuan to buy a bond fund, which is a long-term investment, with safe principal, stable income and sustained growth. The expected return is 6%-8% (in 218, there are 488 funds whose return exceeds 6%

The expected interest income: 3, * 6% = 18, yuan

1%, and 6, yuan is a short-term investment. This part of the money is used as daily expenses and temporary emergency use, which requires strong liquidity. At present, the yield of money funds has generally fallen, and Yu 'ebao has only a profit of about 2.6%, and only a small number of money funds can remain at 3%.

expected income: 6, * 3% = 1,8 yuan

4%, that is, 24, yuan is divided into four shares, which are invested in the Shanghai and Shenzhen 3, SSE 5, CSI 5 and GEM indexes respectively, and each share is 4, yuan. This is also a long-term investment account, the purpose of which is to earn excess returns. Because I don't know the financial knowledge and the actual operational ability of the financial market, I only recommend index funds here.

compared with other investment projects, several funds are much less risky. According to the calculation of past investment returns, if the investment can last for 1 years, the comprehensive annualized income of 1% is not a big problem.

expected income: 24, * 1% = 24, yuan

18,+18+24, yuan = 43,8 yuan

3,6 * 12 = 43,2 yuan

43,8 > 43,2 yuan, which meets the requirements of the subject

. The subject can also be flexibly selected and matched according to the use of their own funds.

6, yuan, the bank deposit needs interest of 3,6 yuan per month, and the annual interest rate reaches 7.2%. This possibility is almost zero! It is still possible to buy wealth management products, take a little risk and adopt portfolio investment!

6, yuan, and the annual income needs to be more than 7.2%. With the combination investment of low-,medium-and high-risk wealth management products, taking into account the safety and liquidity of funds, you can get a higher average return on investment!