However, although many people know how to invest, they ignore the risks and just want to gain something. For example, a netizen recently asked that he had 65,438+million yuan and he wanted to double it. Should he buy funds or stocks?
Then, 6,543,800 yuan, if you want to double it, should you buy funds or stocks? For ordinary people, can buying stocks really double? How can ordinary people increase their wealth by managing money? Today, let's talk together.
First, there are 654.38+10,000 yuan. If you want to double, should you buy funds or stocks?
As we all know, compared with funds, the return of stocks will be relatively high. After all, a daily limit is the income of 10%. In this case, if you are lucky, there may be multiple daily limit, so doubling is naturally reasonable.
However, the so-called doubling requires a yield of 100%. You know, at present, in the whole market, no one can guarantee that wealth management has a rate of return of 100%. After all, stocks are venture capital. Even if ordinary people are lucky enough to achieve the daily limit, there will be a risk of loss, right?
I have to say that only the principal is 654.38 million. If it is used for stock trading, it needs a very high rate of return to double it. Personally, I think it is far better to raise the principal, so it is relatively easy to earn 65438+ 10,000 yuan in the future.
Second, can ordinary people really double their stock purchases?
Indeed, the word double sounds very happy. After all, it is equivalent to a yield of 100%. But I don't know if you found it. There is a saying in the whole market that stocks are "seven losses, two draws and one profit". Many leeks understand this theory.
In other words, if ordinary people are really stupid enough to spend money on stocks, they may eventually lose everything, not double it. In this way, the possibility that ordinary people want to double is really gone?
Not really. Personally, I think we can invest in funds with less risk. In other words, if we can catch some good sectors, it is entirely possible to double them. For example, liquor and medicine have doubled their income this year. Isn't that what we want?
Third, how do ordinary people manage their money and increase their wealth?
Strictly speaking, the way ordinary people really want to manage money is not to get rich. After all, that's too unrealistic. What we really want is a stable and long-term income, which can cover our daily expenses and make our life less stressful.
In this way, after the goal is clear, perhaps financial management will become simple. Personally, I think I can take out my spare money that I haven't used for several years and invest in index funds. The way of investment should also be to establish a certain warehouse with 30% first, and then invest on average every month later.
If the market goes up in the future, our bottom warehouse can have a good income. And if the market falls in the future, we can also use the remaining money to invest in batches to reduce the original losses. Moreover, from the historical data, it is not too difficult for index funds to achieve an annualized rate of return of around 8%, which is the most suitable investment method for ordinary people.
Everyone wants to double their assets, and even wants 1 10,000 yuan to become 6.5438+10,000, and 6.5438+10,000 yuan to become 6.5438+10,000. But I have to say, if making money is really that easy, I'm afraid no one really wants to work hard, right?
Financial management should be based on the premise that you have a certain principal, and choose products that meet your risk acceptance range to invest. In this way, we don't want to get rich in the future, we just want to beat inflation. Isn't this better?