It is difficult to earn 10% in low-risk years. On the other hand, it is possible to achieve 10% or even higher rate of return through reasonable risk diversification, capital planning and investment and financial management, which is also proved by the market.

Let's first understand the current low-risk average rate of return:

1, low-risk wealth management products of banks: the yield is between 4% and 5%.

2. annualized rate of return on characteristic deposits: 3.6%~4.8%.

The interest rate of 3.5-year bank deposit certificates is around 4.8%.

Summary: It is difficult to achieve 10% simply with low risk.

Secondly, it is possible to achieve 10% or even higher cash10 million by optimizing products, rationally planning and diversifying risks;

1, trust product. 654.38+0000 has just started, with professional management and risk control, mortgage, guarantee and complete political trust. The annualized rate of return is mostly between 7% and 9%. If the income is reinvested in installments, the annualized rate of return may reach 10%.

2. Fund portfolio investment. Stock-based, index-based or bond-enhanced, hybrid funds, etc. The fluctuation range of interest is very wide, which can reach 0%~ 100% or even more.

Although the risk of a single fund is high, different fund portfolios adopt scientific investment schemes such as fixed investment, which is equivalent to two or three times, which disperses the risk and the annualized rate of return may reach 0%~80%.

Summary: 65,438+0,000,000 cash may achieve an annualized rate of return of 65,438+00% or even higher under the condition of effectively diversifying risks.

To sum up:

Risks and benefits are relative. Through rational planning, optimized product selection, effective risk management and diversified investment,

Now 1 10,000, it is indeed possible to earn 10% or even higher.

There are too many ways. I will tell you only one today, which is suitable for this year, and that is stock investment.

First of all, this year's market is more than 27 million points so far. Due to the global epidemic, the spread of virus leads to the depression of value investment, and there may be a golden pit in China's market in the short term. Many stocks are in the bottom stage of oversold. So which stock do you need to build a position on to invest in the stock market? I think 1 million can be divided into two parts for investment.

First of all, among the excellent white horse stocks, choose a stock with growth prospects this year to buy. Second, at present, the country's economic policy is to vigorously develop emerging industries such as science and technology and 55G, so we can find good targets in the stocks opened by the second phase of the National Fund to buy. Then the next thing to do is to endure for a year. In the meantime, you can also buy new shares and convertible bonds. After one year, your account profit will definitely reach more than 10%.

Hello, I'm Yu Yang, and I'm glad to answer your question:

First of all, I have banking experience. If it is a low-risk investment, the general financial management is around 5% all the year round, and I don't want to talk about stocks because those risks are too great. Through some relatively low-risk financial management, such as R2 level, your general income is basically 1 000 yuan, reaching 7~8 points, which is already very good.

Moreover, the persistence of the epidemic is really bad for your investment entity, so I don't recommend you to start a business.

I recommend you to do Internet self-media because the investment cost is relatively low at first. You can use a mobile phone alone, which is your equipment cost.

Then if you have cash, you can build a team and realize it faster. Moreover, with the development of 5G, 2020 is the first year of 5G. Our company is doing offline and then online transformation, because our company mainly does offline education and training and is affected by this epidemic.

So I suggest that if you say you have no experience in business, that is to say, you have no experience in business and entrepreneurship. I suggest you choose low-risk or bank financing, because cash is king at the moment, and you must remember that cash is king at special times.

I hope my answer is helpful to you.

thank you

I recommend that you invest in broad-based index funds, such as SSE 50 Index, CSI 300 Index and CSI 500 Index. There may be a risk of loss in the short term, but after a round of bull-bear conversion in 3-5 years, there will be a rate of return of 30%-50%, and the annualized rate of return will be at least 10%, provided that you learn the fund knowledge, understand the fund and insist on investing.

Automatic investment plan

Low risk and low return, high risk can make high return. If the annualized rate of return is 10%, you can consider investing in index funds, but you must insist on investing for a long time to achieve the annualized rate of return of 10%.

Relatively stable investments are: 30% buy wealth management products with stable income, 60% invest in index fund ETF, and it is best to launch it four times a quarter. Of course, this investment is based on the long-term planning of 10.

10% low-risk interest rate income, if any, Lily of the Valley requires piggyback. [Cover your face] [Cover your face] [Cover your face]

The interest rate in the United States is already zero. What are you thinking about? It is reasonable to annualize 5%, which is half of your requirement. According to Lily of the Valley's professional experience and cognitive experience, the baby really can't.

If you can accept the fund, you will vote for it, but you still have to look at it in the long run. 1 year Lily of the Valley is uncertain, really uncertain, too difficult [tears] [tears] [tears]

Brother, how did you earn 1 10,000? If it is the second generation

If you haven't done business, don't invest, put bank insurance. If only the annual return 10% is required, it will be simple. It is no problem to ask a business friend to trust him. The year before last, my friend lent me 380,000 poor investment equipment. In two years, I paid him 33,000 every month, and his income doubled in two years. Friends who do business are honest, so that they can win. Not money, but family!

The return of ten points is not low, and the bank's bulk deposits are only four points in three years, 3.6 points a year. See the figure for details.

The safest thing is the fixed investment of the fund. Now that the stock market is at a low point, it is ok to insist on fixed investment. After one or two years, the stock will rise to 15 or even double the income, with extremely low risk.

The other is to buy high-quality star funds. But this is a three-year average, and it is not difficult to earn 30.

1 million is not much, although I don't have it, it's actually too little. A while ago, a star fund only subscribed for 5%, and a company bought 900 million. As a result, I only bought 45 million. One million is really too little sometimes, so don't put too much pressure on it.