1. I'd like to introduce you to the principle of doubling the principal, that is, the 72 rule.

Simply put, as long as you know the annual interest rate of the products you invest in, you can know the time required to double the capital by dividing by 72. For example,

For bank financing, the average annual income is about 4%, and 1, yuan should be saved for 724=18 years. Calculated at a relatively safe annual interest rate of 8%, 1, yuan should be saved for 728=9 years.

For stocks and funds, calculated at an annual interest rate of 15%, 1, yuan should be saved for 7215=4.8 years.

Wow, great!

The problem is, high returns and high risks. What if all the money is smashed in the stock market, although it is optimistic for a long time, but it can't be recovered due to short-term big fluctuations? As a result, what should I do? !

so we should learn asset allocation!

2. Financial management is a very personalized thing, so you must proceed from yourself. For example-

Friends who can only spare 1, yuan for investment are estimated to be young people who have just left society. You said pressure, more or less, boys may have to consider the house, girls may be easier, so the corresponding plans will be different.

Say a conservative plan:

Buy 3% of the funds into basically risk-free wealth management products

Mainly include bank wealth management, national debt, money funds, etc., and the annualized income is about 4%;

3% of the funds will be used to buy medium-risk financial products

such as P2P, which is less than 8% on the safe side, 1% on the high side and more than 1% on the long-term target. For low, medium and high risks, let's average 1% ~

Put 4% of the funds into stocks/funds

The annualized return is 15%, which is easy to say and easy to say.

In this way, the average annualized rate of return can reach 3%*4%+3%*1%+4%*15%=1.2%

If you calculate by Law 72, you can know that the principal can be doubled after 7 years!

3. Note: The new regulations on asset management will be implemented soon, and the new regulations require just redemption, even if the bank manages money, it can't protect the capital.

moreover, it also requires the money fund to gradually transition to a net worth product, which is not the traditional capital preservation.

In this way, P2P investment becomes more important.