Secondly, argument: I watched a Japanese documentary in which an old man lost his job all his life and ate his father's inheritance, a house and 10 million savings. He has no relatives or friends, never married or adopted children, and his food is extremely simple. He usually picks up junk and sells it. His house was full of rubbish, and he lived to be 95. When his savings ran out, people walked peacefully.
Let's talk about the argument again: don't write those complicated interest rates and formulas, simply arrive, pursue absolute safety and ignore liquidity. If you have 5 million yuan to find a relatively remote bank outlet, you can generally get private banking treatment. Negotiate with the bank's wealth management manager for 5 million yuan, and large time deposits or time deposits will bear monthly interest. Suppose the maximum interest rate is 5% and the annual interest income is 250,000. According to the current inflation rate, after about 30 years, the deposit interest and the cost of living will be upside down (negative), and another possibility is that the interest rate will be negative. Then, you can only eat the principal for another 30 years, and you can eat the principal of 654.38+0.8 million every year. Even if there is serious inflation (another possibility is that it will not be so serious after 30 years), it will be 6.5438+0.5 million yuan per month.
You can make it clear in one sentence:
Even if inflation is predicted in the next 30 years, for a 30-year-old young man, there are still hundreds of millions of people in China who will never earn 5 million yuan. Not long ago, it was screened by a set of data. There are 600 million people in China whose monthly income is less than 1000 yuan. According to the social wage data of 202 1, people with a monthly salary of 5,000 yuan reach the 90th percentile, that is, more than 90%. Besides, social wages have also been injected, and the actual level of monthly salary in 500 yuan is higher. 90% of people earn less than 5000 yuan a month, and it takes 1 000 months to earn 5 million yuan, which is about 1 000 years. If their monthly salary is 5,000 yuan when they are 30 years old, they need to continue working (not retiring) until they are 1.30 years old. You are 30 years old and have 5 million. What are you afraid of?
The above premise is:
You are a full person, the whole family is not hungry, you already have a house and a car, you are healthy, and there are no accidents. If you are married and have a second child, and both parents need to support you, then (from the age of 30 to 90), there are too many "variables", and you can't cover all kinds of large expenditures you may encounter with a static interest view. In addition to eating a full stomach, children's education and medical care for the elderly are continuous expenditures. Suppose your lover or child is seriously ill, can you withdraw the principal? You only live on interest, but you don't buy social security insurance. A serious illness, at his own expense, 654.38+0 million. Two or three times in 60 years, you are basically robbed.
Talk about occupation, outlook on life, outlook on life and values again.
We look for a job, not only to earn money to eat, but also to pursue a sense of existence, integration into society and a sense of achievement in life. Life is not only survival, but also the pursuit of quality, depth and thickness of life. This is also the source of endless human life and continuous social development, and it is also a basic human nature. For example, if you take a taxi in Beijing, the old master may be worth tens of millions and get tens of millions of apartments after demolition. After eating, drinking and having fun, he is really empty and lonely. Finding something to do will enrich him. The underlying logic of human nature is like this. If you live entirely by interest, don't go to work, have no pressure and no motivation, you need to have strong self-discipline. Otherwise, it is easy to mess around, eat, drink, gamble and be fooled into investing. There are many black sheep among the nouveau riche, which is the reason.
And a gray rhinoceros:
It's persistent inflation. At least in recent years, it is expected to be serious inflation. All countries are printing money and releasing water. The inflation rate varies from person to person, with a maximum of 9%. Assuming that at this rate, your interest will not be able to support your daily life after ten years. For example, in the 1990s, when the deposit interest rate of our parents was as high as 12% and the inflation margin was 14%, the highest deposit return was as high as 26%. At that time, many enterprises bought out the length of service for 10 thousand yuan. Many employees think that 1 10,000 yuan is deposited in the bank, and the annual interest is 2,600 yuan, which is equivalent to more than 200 yuan per month. At that time, some employees earned more than 100 yuan, and 1 10,000 yuan could live a high-quality life. What about now? The monthly income of employees who didn't buy out in those years reached 10 thousand yuan, and those who bought out in those years became helpers, blocking the door every day and asking about work arrangements.
Then, with 5 million yuan, continue to work, life will be more emboldened, the workplace will be more calm, life will be rich, and the workplace will be calm. What a desirable state this is. With 5 million yuan in hand, you won't bow your head for a few hundred yuan in the workplace, you won't be too complacent, and you won't run out of youth for overtime pay of tens of yuan. According to contemporary finance, you have a job with a monthly salary of 5,000 yuan, which is equivalent to 2 million yuan; You have a job with a monthly salary of 20 thousand, which is equivalent to 5 million. You have 5 million cash, which is equivalent to a well-paid job with a monthly salary of 20 thousand. So finding a job is a win-win way financially.
If you learn to manage money again, let the snowball of wealth roll, be a friend of time, and get rich slowly, you may even experience real wealth freedom. I have several suggestions:
First, don't put it all in the bank.
It seems to be the safest in the bank. If you look at 20 years from 10, deposit is the riskiest investment behavior. The data from 2000 to the present 20 years show that the stock market and real estate have the highest return on investment, with an average annualized rate of over 12%, while monetary bonds are only about 5%. In this sense, currency bonds seem to be safe, but they are far less risky than other investment projects. The key is to lose inflation, but also lose both.
Second, deposit interest in the bank, completely pursue safety, and some safe varieties have higher returns.
In fact, many investment methods seem unsafe, but they are actually very safe, and the yield exceeds the deposit interest.
For example, the stock market is a market with seven losses, two draws and one win, but is there a safe and stable investment method? Yes For example, when the price was low, we bought large state-owned banks, such as Jiao Jian Bank of Workers and Peasants. At present, at this price, the annual dividend yield has reached more than 5%, showing a particularly favorable trend. The "dividend yield" and "stock price rise" of these blue-chip stocks actually happen at the same time. If you learn some financial management knowledge, because you have salary as cash flow to support your family, you can reinvest in dividends, continue to do T, and try to reduce the cost to two or three yuan. Dividend 30 cents a year, which is 10% annual interest. Moreover, you can enjoy the value-added benefits brought by the stock price rise, and continue to reduce costs after selling high and sucking low.
Third, combine financial management with safety and liquidity.
If you have a job with a monthly salary of 5,000 yuan and maintain a cash flow of 5,000 yuan per month, you can support your family and even live a relatively rich life in third-and fourth-tier cities. Then, use this 5 million yuan for portfolio management, giving consideration to safety and liquidity.
The specific scheme is as follows:
1 Give priority to 40% (2 million) bank financing in order of safety. Don't buy high-risk and high-yield wealth management products. 1 10,000 yuan can be a gold-level customer of wealth management and get VIP treatment, and the highest annualized interest may reach 4.0-4.5%. There are about 80 thousand interest accounts every year. It is suggested to roll in the money and let it roll in as a safe fund.
2 Allocate 40% (2 million) for index fund allocation. According to market index (generalized index) fund, future sunrise industry index fund, trend index fund, etc. For example, you are optimistic about ten index funds, each with 200 thousand. What do you mean? Buffett said that the 100-year history of the US stock market has proved that the annualized rate of index funds has reached 12%, outperforming most professional stockbrokers. Do you believe that the country will get better and better? Do you believe in national luck? Then you will hold the index fund for a long time, stick to it for a long time, and enjoy the magical effect of time and compound interest. Maybe when you are 50 years old, you can achieve financial freedom.
3 Take out 20% (65.438+0 million) for venture capital allocation. Because you are young, with stable income and strong risk tolerance, and don't want to be friends with time, you should appropriately allocate some high-risk and high-yield investment products.
The strategy is:
First, adhere to the stock debt balance model. When the stock market is low, the allocation of stocks and equity funds reaches 70-80%. When the stock market is high, the positions are adjusted to bonds and money funds, and the rolling operation is safe and profitable. If you properly allocate some high-quality stocks, you can make a risk-free innovation. With luck, the annual income of innovation may reach 10%.
Second, partial stock funds and growth stocks can buy more. How to allocate radical funds? Choose 10 according to the long-term top fund managers you trust, each with about 654.38+10,000. Don't put your eggs in one basket, because star funds change every year. You are a star this year, but you will be out of date next year, so you should combine and distribute.
Third, how to buy growth stocks? If you miss a high-priced stock, you miss it. Then, look for the next tenbagger. My idea is to carefully study the future trend and the company's texture, equity, future delivery expectations and so on. , and each invested 654.38+ten thousand yuan to buy 10. What are the odds? If you buy 10 tenbagger, as long as one of them is bought correctly, it will go up by 1000%, and the other nine will lose 50%. Your total income is still 45%, which is enough to beat most star fund managers.