Before giving advice, you need to be clear about two points: how much risk can you bear at the highest? Is this fund mainly a short-term investment or a long-term investment? After all, everyone's risk preference, risk tolerance and liquidity demand are different. If someone asks me how to maximize the return on investment, I will definitely answer that he should be prepared to maximize the risk first. But for most ordinary investors, here is a more sincere suggestion: there are 10 thousand ways to manage money, but we must ensure the safety of the principal!
A few years ago, when P2P was just on fire, many people put their money into P2P with a try-and-see attitude because it was higher than the high income of bank financing and the high vouchers of new financing. As far as I know, these people can really get the interest income promised by the platform at the beginning. Therefore, many people believe in the image of "high income and low risk" created by the platform. So, can this 10,000 yuan be invested in P2P to make money? Can't! Put your money into P2P, then you might as well stock! The annualized rate of P2P is really high, and some offer a high interest rate of more than 10% in order to attract investors. However, most domestic P2P platforms are very irregular, with high annualized rate but higher risk. In recent years, P2P has been frequently thundered, the platform has run away, and investors have lost all their money. So don't invest your money in this platform in pursuit of high returns.
If you have a high risk tolerance and want to achieve rapid growth of wealth, you can invest in stocks that are undervalued or have a large room for growth and outstanding performance. If you are not good at grasping the stock market, you can also switch to stocks or index funds. For people with poor risk tolerance, the most practical way is to invest in sound financial management to protect capital. There are many ways to buy wealth management products, such as major commercial banks, Alipay and JD.COM.
If there is no other source of income, it is difficult to change the status quo and realize wealth freedom only by relying on this 10 thousand principal income. Even if the annualized rate is 10%, including compound interest, it will be 259.37 million ten years later and 672.75 million twenty years later. However, if the principal is 10000 yuan and each deposit is 1000 yuan, then the accumulated principal and interest income will be counted as compound interest, and the result will be very different.
Therefore, with this 10 thousand yuan in hand, the smartest investment should be in study and work. Enrolling in a training class or conducting textual research is an investment in yourself. Therefore, the smartest way is to increase income and increase the principal of financial management. Of course, with good ideas, creativity and skills, the income from this investment of 1 10,000 yuan can also be used as future venture capital.
Blindly relying on luck to invest may not be worth the loss, and relying on funds or wealth management products may get an annualized income of 10%, but investing in yourself can make wages rise sharply, and some people can embark on the road of starting a business and getting rich. Looking back over the past ten or twenty years, it turns out that the greatest value of 10,000 yuan lies in cultivating our financial awareness, financial thinking and ability to create value.