Whenever we talk about financial management, many people think of bank stocks and index funds first, because they are generally considered to be relatively stable and very suitable for high-risk investors. To some extent, holding bank stocks or index funds for a long time can indeed get a certain return on investment, but the return on investment will fluctuate greatly. You can set your psychological expectation of return on investment at 5%- 10%.

First, there is no standard answer to this question.

The reason why you say this is because, as long as different market cycles are different, the investment income of your bank stocks or index funds is also different. If Man Cang chooses to enter the market in a bear market and holds relevant fund products or bank stocks, he can indeed get an annualized return on investment of over 10%. If you enter the market at the peak of the bull market, the return on investment may only be between 5%-10 years later.

Second, you can further optimize your investment strategy.

Bank stocks are indeed very stable, and the market for bank stocks is quite special, and the time is very short. If you are very good at grasping the cycle of bank stocks, you can choose to enter the market at a low level, and at the same time further reduce your position cost by adding positions in batches. On this basis, holding bank shares alone can even get an annualized income of 10%.

Third, it also depends on what kind of index fund you buy.

Index fund is just a broad synonym. The index funds we usually refer to are CSI 300 and CSI 500. Some people will also invest in SSE 50, and a few will invest in industry-oriented index funds. For ordinary retail investors, I personally recommend retail investors to invest in CSI 300 and SSE 50, because these two products will have strong long-term growth.