What is the approximate income of 65438+100000 yuan in financial management for one year?
How long the income is uncertain mainly depends on how users manage their money and what wealth management products they buy. Specifically, it can be divided into the following situations:
1 Purchase time deposit
If the depositor buys a one-year time deposit in the bank at a price of 6,543,800 yuan, the one-year interest = 6,543,800 yuan+ten thousand * deposit interest rate. Different banks have different interest rates for one-year time deposits. Take the one-year time deposit of China Construction Bank as an example. At present, the interest rate is 1.9%, so the annual income of 65438+ ten thousand yuan is 1900 yuan.
Step 2 buy a money fund
The annual income of most money funds in the market is between 2% and 2.2%, that is, 654.38 million yuan is saved for one year, and the interest is between 2000 and 2200 yuan. Of course, different money fund products have different trends and slightly different returns.
Take the net-worth money fund as an example, its income is mainly determined by the net value of the product. Suppose that when the investor just bought the product, the net value was 1, and the share of holding the product was 654.38+10,000 copies/1 = 1, and it was redeemed one year later, and the net value rose to 1. 1, then the redemption fund =
3 Purchase other fund products
Including bond funds, hybrid funds, partial stock funds, stock funds and so on. It is similar to the way money funds calculate interest, but the investment targets are different, so the risks are different and the returns are different. Generally speaking, money funds are the least risky, followed by bond funds and stock funds are the most risky.
4. Buy government bonds
At present, the national debt issued is generally three-year and five-year. If investors fail to redeem, they will lose the corresponding interest income. For example, the three-year savings bonds interest rate is 2.9%. If you buy 654.38+million savings bonds, the interest due in three years is 8,700 yuan, with an average of 2,900 yuan a year.
5 buy stocks
Compared with the above-mentioned wealth management products, stocks are the most risky and may get the highest returns. If users have rich investment experience and are full of luck, it is also possible to earn 20% a year. On the contrary, it is also possible to lose more than half. Therefore, for novices who have no investment experience, it is generally not recommended to buy stocks.
The above are some contents of 65438+ 1 billion financial management, I hope I can help you.