There is no risk-free or low-risk way to get 24% return in China's current market. Getting 24% a year means that at least 30% of the funds will be released. Who can bear such a high cost for a long time? The answer is none.
Are there 24% products on the market? Yes, there are quite a few, but the matching risk is extremely high. To give a few examples, taking stock trading as an example, you only need two daily limit, and a little higher, you can get 24% income. Buying stock funds is another way. No matter which year, many equity funds have increased by more than 24%. It is possible to chip in to buy futures and foreign exchange, not to mention 24%, 100%. Then there is speculation in virtual currency and so on.
However, the possibility of principal loss is greater, with high risks and high returns!
Since there is no way to achieve a return of 24%, what is the actual return range? 5%- 10% is still possible. 5% can consider bank time deposits or bank wealth management products. You can buy some debt funds, index funds, P2P and so on. It is possible to reach 10%, and the current income is 80- 100 yuan. To reach 200 yuan, we can increase capital investment.
In a word, it is difficult to realize the landlord's income with low risk, and it is feasible to reduce the expectation to about 10%. It is recommended to learn more about investment and financial management to make steady profits!
If we have 200,000 to 300,000 in hand, let's take the upper limit of 300,000, and earn 200 a day, 6,000 a month and 72,000 a year. Indeed, the annualized income has reached 24%. It is difficult to achieve this rate of return in the current wealth management market, but it is not impossible. Both stocks and funds are ok. It is difficult to maintain this income for a long time under the premise of safe principal.
In fact, 200,000 to 300,000 is a bit embarrassing in the wealth management market, and the threshold of high-yield products cannot be reached, such as trust (6.5438+0 million); I don't want to invest in low-yield products, such as guaranteed bank wealth management products; Therefore, in the past few years, P2P products have catered to the psychology of a considerable number of investors at an interest rate of 8% to 15%, absorbing their own or even borrowed funds. Of course, everyone saw the ending. Except for some early investors who left for profit, most investors, especially those who took over later, were basically trapped. This fully shows that in the wealth management market, high returns correspond to high risks. If you want to get high returns, you must be psychologically prepared to take high risks. At this point, China Banking and Insurance Regulatory Commission Chairman Guo Shuqing has issued a warning:
Scientific financial management is to find the acceptable risk range from your own risk preference, and then determine the operation mode by considering your personal or family financial situation comprehensively. If you can really accept high risks, you can try high-yield products. Of course, instead of searching for a wide variety of financial products, it is better to do a simple operation, that is, to make a private loan and lend it to a friend who needs money. The annualized interest rate of 24% is also the folk monthly interest rate of 2 points, which is a common interest rate in many areas and is protected by law, and many bosses who are in urgent need of funds, such as engineering mines, are willing to accept it. Although the current environment is indeed a bit risky, it is sometimes more reliable than financial institutions, because after all, there are laws behind it. You can also ask friends to provide certain collateral or guarantor to control risks.
If the risk preference assessment is not suitable for high-risk investment operations, then lowering the expected return target will reduce the corresponding risks, reduce the difficulty of implementation, and expand the selection range of wealth management products. If you are not sure, you can use the financial planner to achieve it.
In a word, it is right to pursue high returns in financial management. The key lies in starting from one's own objective reality and being able to take corresponding risks. Regardless of your actual situation, blindly pursuing high returns is tantamount to sending money to others!
I have 200,000 to 300,000 in my hand, and I will give you 250,000 temporarily. How to manage money in 200 yuan one day?
The answer is: no matter how you manage your money, you can't have this income.
Every day in 200 yuan, it is 6,000 yuan a month and 72,000 yuan a year. Compared with the principal of 250,000 yuan, the rate of return needs to reach 28.8%. So what is the yield level of wealth management products now? Let's take a look at several mainstream financial management methods:
Monetary fund: yield 2%-3%
Bond fund: yield 3%-8%
Regular financial management of insurance: annualized rate of return is about 4.7%.
Brokers' collective financial management: annualized income is about 5%
Regular financial management of banks: annualized income of 4%
One-year structured deposit: expected return of 3.8%
One-year certificate of deposit: the interest rate is 3.5%
Smart deposits in private banks: the interest rate is 5.5%.
Compared with the above mainstream financial management methods, the yield is between 2% and 5.5%. Whether you choose the method with the highest interest rate or through the combination of refinancing, you can't reach 28.8%. Therefore, it is impossible to get the daily income of 200 yuan through financial management. Moreover, there is the so-called daily 200 yuan, and there is no such wealth management product with daily income settlement. If there is such a product, it is generally an illegal high-interest fund-raising scam. Don't believe it.
If you know how to invest, it is possible to choose a high-quality company to hold it for a long time, and the annualized income is 30%, but it is also very difficult. If you buy the wrong company and step on the mine, you will encounter performance fraud and suffer heavy losses. If you choose index investment, you can reduce this risk. For example, if the China stock market is low and you invest in the Shenzhen-Shanghai 300 Index, you can achieve an annualized rate of return of 10% after five years, but it still can't meet your requirements.
So, I have 250 thousand in my hand. If I am not a professional investment, I am advised to choose a low-risk financial management method, which can earn about 4% every year. Then I will earn more money and have more money to manage. It's not that you can earn 200 yuan a month through this 250 thousand financial management.
There is a saying that you don't manage money, and money ignores you; But if you squander your money, you may lose it!
I am a dark horse. Let me answer this question.
The principal is 200,000-300,000, let's say 300,000. If you earn 200 yuan every day, your annual income is 73,000 yuan; This is a lot of money. A person's salary in a small and medium-sized city for one year is so much money without eating or drinking! Look again, your principal is 300,000 yuan, which is equivalent to the annualized interest rate of 7.3/30=24.3% for one year. This annualized rate of return is really high, far higher than the general wealth management products on the market!
For example, if the time deposit in the bank does not exceed 3%, it will not be said if the current demand is lower; Even at 3%, the annual income of 300,000 yuan is only 9,000 yuan, less than one-eighth of 73,000 yuan. Even if you buy trust financing, the annualized income is generally lower than 10%, less than half of 24.3%; Therefore, if you buy these conservative wealth management products, it is impossible to achieve the monthly income target of 200 yuan!
Conservative financial management is impossible, but it depends on whether you can do it well! As we all know, high risk will inevitably lead to high income, and low risk will lead to low income; If you pursue stability, you can only choose low-yield products; If you pursue high returns, you can only choose high-risk products!
For example, stock trading, we know that the whole first quarter of 20 19 is a small bull market; If you choose to buy stocks at the beginning of the year, unless you are unlucky, as long as it is not too bad, the income is basically around 30%. After all, the market rose by 30% in the same period! Or, you can get high returns by buying funds at the beginning of the year. Don't worry, let the financial manager help you. This is the stock market, and there are many opportunities in futures, foreign exchange or international gold and crude oil markets. Skilled words, 300 thousand, not to mention the income of 200 yuan a day, it is very possible to do well. However, as we said before, high returns are often accompanied by high risks; If you choose high-risk products such as stock trading, foreign exchange speculation and futures speculation. If you are not skilled and have a bad attitude. Don't say 200 yuan's income every day, let alone double it; It is estimated that the biggest possibility is to turn over the window. 300,000 yuan is really not much in these markets, and it will be finished in one day.
Therefore, when choosing wealth management products, it is best to suit yourself; If you blindly pursue high returns, it will often backfire. In the end, you are not making money, but playing with the principal.
Therefore, if there is a 200,000-300,000 in hand, conservative wealth management products will definitely be difficult to achieve; It's not difficult for high-risk products to earn daily income in 200 yuan, but you should consider your own risks and be responsible for your own funds!
The principal is 300,000 yuan, with 200 yuan's income every day. How to manage money to achieve 200 yuan's account every day?
According to your description, the principal is 300,000 yuan, 200 yuan per day, 6,000 yuan per month, and 7.2 yuan per year; At this rate of return, the annual interest rate is as high as 24%; I really can't find a financial product with an annual interest rate of 24%. Those with such high annual interest rates are high-risk and high-yield wealth management products.
If you put your 300,000 principal in the bank for financial management, you can't realize your dream. The annual interest rate of bank demand is 0.35%, even if the five-year fixed deposit is 2.75%, the annual interest rate of structured deposit or certificate of deposit is between 4% and 5.5%. Bank wealth management products, balance treasure and other wealth management products can not reach your annual interest rate of 24%;
In addition, similar to P2P wealth management products, the annual interest rate is between 7% and 9%, and the annual interest rate of some fixed wealth management products, trust products and bond products is between 9%- 1 1%; None of these can achieve an annual interest rate of 24%, and there is no way to realize the possibility that you can deposit 300,000 principal in 200 yuan every day.
Your principal income is 300,000 yuan per day in 200 yuan, with an annual interest rate of 24%. All I can think of is stock speculation, crude oil speculation, gold speculation, currency speculation and so on. These are high risks and high returns. Only through these high-risk and high-return financial management can the annual interest rate of 24% be realized. The key is to look at your own ability.
These high-risk and high-yield wealth management products make your profit and loss fluctuate greatly. It's easy to spend 2000 yuan a day if you don't say it if you have the ability. On the other hand, you don't have the financial ability, not to mention the income of 200 yuan every day, and you lose 20,000 yuan of principal every day, even your 300,000 principal is gone; These wealth management products are cash machines if they are capable, and meat grinders if they are not. Please think twice.
Through the above, for most domestic wealth management products, only the principal of 300,000 yuan and the annual interest rate as high as 24% can be realized, such as stock trading, gold trading, crude oil trading and currency trading. Otherwise, other wealth management products may not even realize the annual interest rate of 24%.
Finally, send you a sentence: investment is risky, and financial management needs to be cautious; The income is proportional to the risk. The greater the risk, the higher the rate of return, the smaller the risk and the lower the rate of return.
As the landlord said, let's first calculate the annual rate of return to achieve this income. Suppose the landlord invests 300,000 yuan, 200× 365 ÷ 30 = 24.3%. So what is the concept of 24.3% yield?
20 15 the supreme court issued the provisions on several issues concerning the application of law in the trial of private lending cases, which stipulated the boundaries of usury. The court did not protect the 24%-36% interest, but the parties voluntarily performed it, and the court did not raise any objection. Therefore, it is obvious that the products with 24% income have reached the category of usury in the strict sense, and the yield of your wealth management products can be compared with usury, which shows its safety.
Such a high-yield product is not risk-free. Stocks, funds and foreign exchange can all achieve such a rate of return, provided that you have the ability to choose the right product, which is very difficult. Warren Buffett has been in business for 45 years with an annualized compound rate of return of 20.5%.
Guo Shuqing, chairman of the China Banking Regulatory Commission, was quoted as saying: "If the yield exceeds 6%, it will be questioned; if it exceeds 8%, it will be dangerous; if it exceeds 10%, it will be prepared to lose all the principal." Therefore, investment cannot simply pursue high returns.
You can choose some stable products, such as bank time deposits, with a yield of 3% ~ 5%. The yield of bank wealth management products is 4% ~ 5%. Of course, there are also products with high returns and high risks. Regular online financial management, the yield is also 4% ~ 5%. Although these products are far from the requirements of the landlord, the safety factor of financial products in the normal range is also guaranteed.
People 10000 yuan in the bank for a year 100 yuan, you want to earn 200 yuan just for 200000 yuan a day? Be careful to pursue high returns, even the principal is gone!
If you want to earn 200 yuan in one day, you will earn 73,000 yuan in 365 days. Even if you have 300 thousand, the annualized interest rate is 24.3%
Are there any wealth management products with annualized interest rate as high as 24.3% on the market at present? Yes, but it's very risky!
For example, the following funds:
The highest rate of return of this fund can reach about 65%, much higher than your expected rate of return of 24.6%, but at the same time, we should also see that the interest rate of this fund has been at a low level for a long time in recent years, and it is even in negative growth at present. Therefore, this high-yield product is often accompanied by high risks. You may get a high income for a while, but you may lose all the principal at any time.
At present, several kinds of your products are popular in the market:
The first is bank deposits.
At present, bank deposit is the safest way to manage money. At present, most banks' interest rates are below 4%, and some banks' five-year deposit rates can reach more than 5%. The interest of 300,000 yuan a year can be about 6.5438+0.5 million yuan, and the interest of one day is 4.65438+0 yuan, which is about 654.38+0 yuan less than your expected 200 yuan.
The second is the money fund.
At present, the overall rate of return of the money fund is not very high, and the annualized income is around 3%. 300,000 yuan, you can get about 9,000 yuan a year, with an average of 24.65 yuan per day, which is less than you expected 176 yuan.
The third is bank wealth management products.
At present, the income of most bank wealth management products is between 4% and 7%, so we take a median of 5%, so the income of 300,000 1 is 1.5 million, and the average daily income is 4 1 yuan, which is about less than you expected.
The fourth is p2p.
At present, p2p is relatively high, and the annualized income of each platform ranges from 6% to 20%, and some platforms can even reach more than 25%. However, the annualized income exceeding 12% is basically risky and may break out at any time, so we take a relatively safe income level 10%, and the annual income of 300,000 is 30,000.
Then why should I list these financial management methods for you? Only tell you one truth, at any time, high risk is bound to be accompanied by high income, and may even be a liar. Relatively safe wealth management products have relatively low returns, and low risks and high returns cannot be achieved at the same time.
Let me give you a real example. I contacted a client before. He saw a wealth management product of * * * charging treasure from an official WeChat account. This * * charging treasure project claims that the daily income can reach more than 0.8%, and then this friend invested 20,000. As a result, he did get 1 120 yuan in the first week, but the money didn't hit him. It just shows in his app account that this friend added another 30,000 yuan investment after tasting the sweetness, with a total investment of 50,000 yuan. As a result, a month later, his app couldn't get on, and then he found that this so-called financial platform didn't even have a official website. Only then did I find out that it was a fraud platform. So far, although he reported to the police, 50,000 yuan has not been brought back.
Therefore, when managing money, we must take risks seriously. At any time, high returns are bound to be accompanied by high risks. The return within 5% of the principal is relatively safe. For 5% to 8%, the loss of income must be considered. For 8% to 12%, part of the loss of the principal and the yield exceeding 12% must be considered, so all risks that the principal cannot be recovered at any time must be prepared.
In short, financial management is risky and investment needs to be cautious.
Structured deposits and wealth management products are two different products with different investment channels and risks, but the expected rate of return is not much different. As shown in the above figure, the expected yield of structured deposits with a term of 1 year is only 5%. If you deposit a structured deposit with a maturity of 300,000 yuan, the highest annual income is 300,000× 5% = 1 5,000 yuan, while the expected yield of wealth management products with a maturity of about1year is about 5% ~ 6%, which still does not meet this question. What is even more irritating is that both structured deposits and wealth management products have certain risks, and the final income may not be distributed according to the expected income.
As for Internet financial management methods such as funds, stocks and P2P, their expected rate of return is flexible, and it is not a problem to lose several times a year at most, but are you willing to bear the risk of losing all 300,000? Moreover, in the current environment, P2P, funds and stocks are all risky investment methods. I don't say that 100% will lose, but it is no exaggeration to say that 90% will lose!
Although his words may not be applicable to all financial management methods, one thing is certain: the financial management method with an expected rate of return higher than 6% is bound to be a high-risk financial management method. Besides, the income is directly proportional to the risk. I believe everyone should know how risky the annualized rate of return is in financial management!
The principal is 300,000 yuan, and the daily interest is 200 yuan. 365 days a year, the total annual interest income is 73,000 yuan. Need to achieve an annual interest rate of 24%. Such a high capital preservation and stable annual interest rate are not available in the normal channel market. In short, some thoughts on financial management:
First, low risk, bank financing.
At present, the interest rates of three-year time deposits of banks and big banks: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and China Bank are around 3.2%. National joint-stock banks: hundreds of banks such as China Everbright Bank, China Guangfa Bank, China Merchants Bank and Ping An Bank, with a three-year term of 4. 1%, and local banks: Jinzhou Bank, Wuhan Bank and local credit cooperatives have deposits of about 5%.
These interest rates are much lower than 24%, but the risk factor is very low.
Second, medium risk, Internet finance.
Internet finance has many wealth management products above 5%, such as the bank selection of Jingdong Finance, and these risk factors are still relatively low.
And those products with high interest rates account for 8%- 15% of P2P financing, which is more risky and more importantly, there are too many uncontrollable factors.
Third, high-risk funds and stock markets.
Securities funds, such as index funds and CSI 500 funds. These funds will make money when the index rises or the stock rises and lose money when it falls.
The same is true for buying stocks in the secondary market, depending on personal ability.
Summary: Income and risk are in direct proportion, and there is no high-yield product with guaranteed capital. You are looking at the interest, others are looking at your principal.
Is there a way to invest in high risk?
The stock market is the easiest to get started and the easiest to enter. It is not unusual for 200,000 yuan and 300,000 yuan to get a return of 100 yuan in the stock market, but it is also very difficult to achieve a return of 25%. First, buy high-quality stocks, and the principal will increase rapidly in the short term; The second is to buy US stocks. There is no daily limit for US stocks, but more than 30% will automatically fuse.
To sum up, this method is basically gambling, and the possibility of daily profit is very small.
Futures market, stock index futures market, etc. They are all highly leveraged. Doing this operation well requires enough courage and professionalism. In other words, if you can afford to lose, you must also have the ability to win. If you can achieve an annualized rate of 24%, you can also be regarded as a fighter and a leader in the investment community.
Others include real estate speculation, usury and private investment. But we have to say that the principal of 200,000 to 300,000 yuan is too little to do these things, and the risk is great. In addition to investment risks, it may also touch legal risks.
Under normal circumstances, it is still cost-sharing financial management. If you want to try high-risk investment, you can take out a small amount of principal and try it first, and practice with a peaceful mind. The income from financial management is basically below 9%, so you can't aim too high, and you will lose your wife and lose your soldiers.
(family fortune password: golden sickle)