I chatted with my friend the other day and asked her what her ideal annualized income was. She replied: about 10%.

Let me ask again, is it possible to reach this rate of return at present? She said that now she also buys some bank wealth management, and the rest of the money is in Alipay and WeChat, which is far from 10%.

I was just thinking, among the investment and financial management tools available to ordinary people, what are the possible annualized returns of 10%?

Here, I will briefly sort it out for your reference:

Fund is the best investment channel for ordinary people. Due to the variety, it can meet the needs of almost all types of investors, and the threshold is extremely low (many funds can invest in units of 1).

There are thousands of funds in the market, but not every fund can achieve the annualized income of 10%. According to the data provided by the Oriental Fortune Network, among the 3,507 open-end funds that provide data at present, 590 funds (accounting for 16.8%) have achieved a middle-aged income of 10% in the past year. These 590 are mainly concentrated in equity funds, index funds, hybrid funds and some bond funds, LOF and QDII, and there is no capital preservation fund. Take 1 00 open-end funds with the best annual returns in the past as an example (the annualized returns all exceed 24%), and their general distribution is as follows:

From the above data alone, it seems that it is not easy to realize the annualized return of 10% by using the fund (only 16.8% probability), and the risk seems to be not small. However, if the actual situation considers extending the term (holding for more than 3 years and more than 5 years), supplemented by appropriate and reasonable operations (such as long-term fixed investment, adding positions on rallies, etc.). ), the possibility of realizing 10% return with the fund will be greatly increased.

I am a big fan of index funds, and the Shanghai and Shenzhen 300 performed very well in the first half of this year. At present, I will make a fixed investment for half a year with a yield of almost 20%.

P2P has gone through several rounds of dishwashing, and the profit range is 5%- 16+%. It's not hard to find some relatively reliable platforms, with revenue 10%+.

No platforms or products are recommended here. Only recommend a few tools and third-party information platforms that can help you judge the pros and cons of P2P.

Two comprehensive third-party information platforms: Home of Online Loan &; Online lending eyes can be used for reference.

Both of them are better third-party organizations in domestic P2P industry. You can know the specific situation of each P2P platform (whether it is bank depository, platform background, income and investment period, etc. ) and user reviews here.

If you want to invest in P2P to realize the annualized income of 10%, you can start with the information of these two third-party information platforms.

In addition, there are some official WeChat accounts with a lot of P2P information, so you can consult them yourself.

I have been trading in the stock market 10 years since around 2008. To tell the truth, I really haven't made any money from the stock market so far. Barely counted as one of the "seven losses, two draws and one win" in the stock market. However, I am a courageous type who dares to try anything, so I was really ignorant and fearless in the stock market in the early stage, so it is inevitable to pay tuition fees.

I don't like many people demonizing the stock market. Personally, I think there are still many very good opportunities in the stock market. It may be difficult for value investment to use the domestic stock market for the time being, but after I abandoned "all kinds of inside information" and "stocks recommended by cattle people", I began to carefully understand and study the industries and companies I was interested in, and I began to make profits slowly in the stock market. If you want to enter the stock market, I strongly recommend you to read Li's excellent book The Way of Stock Market-Self-cultivation of Retail Investors.

In the short term, the stock market is the easiest to realize the annualized return of 10%. Because of good luck, I bought stocks with daily limit, and achieved the goal of one year in one day. But there is a greater possibility that you will lose 10%.

It is recommended that small partners should not blindly enter the market, at least understand the basic rules. In addition to the bibliography recommended above, they should at least read some chapters of one of the securities industry exams, Basic Knowledge of Financial Markets.

Collectibles mentioned here do not refer to professional collections. This threshold is too high and the water is too deep. I mean commemorative coins and stamps that the general public can buy.

Some souvenirs (and the annual Zodiac coins) need to be ordered in limited quantities with ID cards. The smaller the circulation, the greater the appreciation space. Judging from the past data, if you buy this commemorative coin, the income will definitely exceed 10%. At worst, there will be security, because it has its own face value and it is a big deal. The disadvantage is that the general quantity is too small, so everyone can buy in small quantities.

I like collecting stamps. My friend gave me a set of 20 15 stamp yearbooks before. The price ordered at that time should be less than 200, and now it has been sold for 400+ on a treasure.

Therefore, some collectibles that we have access to can also achieve a profit of 10%.

Of course, there are some other channels that need more funds, and the income may reach 10%+: for example, investing in real estate, shops, taking shares in some companies and so on. These are relatively complicated and the threshold is high, so this article will not mention them for the time being.

To sum up, it is not impossible to achieve the rate of return of 10%, but it is not easy, and it is also necessary to bear corresponding risks. On the other hand, if you are one of the few people who are willing to learn and start investing in financial management, it is not difficult for you to achieve 10%.