Of course, many times some people mistakenly understand that financial management is bound to make money, and even leave with how much money they should earn every month from the beginning. Recently, a netizen asked: I have a principal of 65438+ 10,000 in my hand. I want to buy a fund now. How much can you earn every month? My goal is to earn more than ten thousand yuan a month. Is this demanding?
Then, if you buy a fund with a principal of 654.38 million yuan, how much money can you earn every month? Is it high or low to earn more than 10 thousand a month? How to buy a fund in the current market? Today, let's talk about financial management.
1. The principal is 6,543,800 yuan, and I want to earn more than 10,000 yuan a month. Is it high or low?
Frankly speaking, buying a fund really depends on the market. After all, if the market is good, it is not difficult to earn 10000 yuan a month on the premise of 10000 yuan. Because, according to the market from June to now, many people have earned almost 20 points, but for radical people, they will only earn more.
In other words, it is absolutely easy to make money as long as you set foot on a bull market. However, it must be mentioned that ordinary people can't grasp when the bull market will come. It is possible that when we first heard the news, it had already left.
Personally, it is really difficult to achieve a monthly income of over 10,000 yuan with a principal of 6,543,800 yuan. Because this is equivalent to monthly income 10%, annualized income becomes 120%. It's not high risk, it's gambling. If you gamble well, you will make money. If the bet is not good, 65438+ 10,000 will be lost. This is the market.
Second, the principal is 654.38 million yuan. How much can you earn every month?
Xiao Pang paid special attention to one of his own funds. He began to make a fixed investment a year and a half ago, and now it is almost the principal of 654.38+ 10,000 yuan. Before June, the profit was only about 3%. If the current market is good, the rate of return has reached 20%, that is, it has earned about 20,000 yuan.
Then, we can convert it into an average. We earned 20,000 yuan a year and a half, which is 18 months. On average, a month is more than 1000. Compared with this friend's expected monthly income of over 10,000 yuan, it is still far from it, and this is the normal financial income.
Therefore, if you really want to earn more than 10,000 yuan a month, the most important thing is not to increase the rate of return, but to increase the principal. To put it bluntly, if you want to earn 10000 a month and the principal 120%, the annualized income will be 120%, but what about the principal 100? It only needs 12% annualization, which is a relatively reasonable goal.
Third, how to buy funds in this market now?
Indeed, a topic that people often talk about recently is that the bull market is coming. It's true. A little look at the increase of the market will show that the single-day increase is about 2 points, and the market turnover has exceeded one trillion for two consecutive days, which is enough to show that it is a bull market.
Then, if the bull market really comes, how should ordinary people buy funds? Personally, if you have 6,543,800 yuan like this friend, you can invest a sum of money to open a position first, and the proportion of opening a position is controlled at around 30%-40%, and the rest of the money is fixed every month.
In this way, if the market goes up, we can enjoy certain benefits. If the market goes down, we can still invest about 70% of the principal in batches, which can reduce our investment cost. This is reasonable, rather than investing all the principal. This is too radical and risky.
Xiao Pang has been buying funds for several years. Yes, after the bear market and bull market, he is more convinced that buying funds is the best way for ordinary people to use Qian Shengqian. However, the bear market needs constant layout and fixed investment. Only in this way can we enjoy the benefits when the bull market comes.
In addition, no matter what kind of products you invest in, don't set the target of yield too high. In that case, the risk is too great, and even the probability of reaching it in the future will become smaller and the probability of losing money will become higher. That is the reality.
Then, if you have 6,543,800 yuan in principal, how much do you think you can earn by buying funds every month? Is the requirement of earning more than 10 thousand a month high or low? Do you usually buy funds as a way to manage your finances? Welcome to chat together in the message area!