Divide from income and risk
Low-risk investment, with an annual rate of return of less than 6% and an annual rate of return of more than 6%, basically needs to bear risks.
Medium risk investment, the annual rate of return is between 6% and 8%. This investment needs to bear some risks, and the principal may be lost.
High-risk investment, the annual rate of return is between 8%- 15%, and this investment principal is a high probability of loss.
The investment with extremely high risk, if the annual rate of return exceeds 15, the investment risk is too great, and the probability that the principal may lose money is a deceptive trap, so beware of investment.
Therefore, according to the investment rate of return, the investment with annual rate of return 10% is definitely a high-risk investment. High-risk investment is the loss of principal and needs to bear relatively large risks.
The investment of 50,000 yuan cannot be redeemed within 5 years, and the annual rate of return is 10%. Can I invest?
According to the current investment and wealth management products, if they can't be redeemed within 5 years and the annual rate of return reaches 10%, this high probability is a closed-end fund.
Only high-risk closed-end funds can have such a high annual return. For example, the funds raised by these closed-end funds are all for investing in some high-risk financial investments. When the financial market is open, closed-end funds can achieve an annual return of 10%!
If the financial market situation is not good, even the fund companies will lose money in a big mess, not to mention the annual rate of return of 10%, which may eventually lead to a loss of 10%, wasting five years and losing money.
Therefore, I personally think that whether this can be invested is negative. If you want to challenge this high yield, you can invest. For those who don't take risks, I personally don't recommend investing. Don't invest blindly.
Risk is directly proportional to income.
Any investment is the same. High returns face high risks. The annual rate of return of this investment reaches 65,438+00%, and the risk of investment is also a relative loss of 65,438+00%.
Because now high-risk investment is expected income, expected income is floating, which may or may not be realized.
In short, we should understand these reasons, and don't think that we can invest just because we see the annual rate of return 10%. We must consider all aspects comprehensively, and then decide whether we can invest from the aspects of yield, risk and principal security.
Based on the above analysis, regarding whether this investment project is worth investing, I suggest that those who are willing to take risks can invest, and those who are unwilling to take risks should not invest and stay away from these high-risk and high-yield investments.