1, risk and return match.
According to this ratio, the monthly income of 200,000 yuan is 3,000 yuan, and the annualized income needs to reach 18%. As far as the wealth management products on the market are concerned, the money fund is the main source of stable income, with the higher income of less than 5% and the lower income of less than 4%, including the annualized income of Yu 'ebao. Banks will also have some wealth management products with a yield of more than 4%, which is relatively stable, but when it comes to wealth management products with a relative stability of 18%, Peng Kun can definitely say:No. If you find such wealth management products around you, or if your relatives and friends introduce such wealth management products with an annualized income of more than 18%, you must be cheating, or your relatives and friends think about it. In short, there is no such wealth management product.
Does that mean that there won't be any wealth management products whose income can reach 18%? Not exactly. There are ways to earn more than 18% or even 28%, but you have to bear the corresponding risks. If you want to earn 18%, you have to bear the risk of losing 18% or more. There is no stable income.
2. What wealth management products can achieve 18% annualized income?
The stock market is a good choice. When the stock market is good, you can make money with your eyes closed, but for so many years, not many people can really make money from stocks for a long time. However, this is indeed a financial management method with annualized income that may exceed 18%. The stock market is a market with unlimited imagination. After the first two big rises, as long as you don't change the stock in one hand, even if you don't change it frequently, it is basically not a problem to double 1 times a year. Good stocks can be multiplied several times, so the annualized income can reach 100% or even more. This is just the own funds for stock trading. What about those who use leveraged funds to buy stocks? This income is even more, and the annualized income of 10 leverage can easily reach 1000%.
However, you have to bear these risks accordingly. When PetroChina went public, it seemed to be more than 40 yuan, right? How are the investors who bought PetroChina in those days? 10 years have passed, haven't you solved it yet? And it's far from being solved, right? Dreaming of getting rich overnight, as a result, 10 years passed, not only did it not return, but the loss was always above 50%. Who would have thought that PetroChina could get out of this 10 bear market for many years? But I can't. This is the market.
As for other financial management methods with income higher than 18%, such as speculating in foreign exchange and gold, this thing is really not suitable for beginners. Some investors lost so much that they didn't even know him.
By the way, investing in Public Offering of Fund is also a good way to manage money. Expected annualized income reaches 18%, such as hybrid funds or equity funds. If you have little confidence in your ability to trade stocks, you can consider buying a fund. As long as it is not a bear market, when the stock market fluctuates, the fund's income will often exceed your own.
There is another way, but it can't be regarded as the category of financial management: you can do some small business, and if the income is good, it may not reach 18% per year. But the corresponding risks are the same. After all, business is not good now.
Case 2
200,000, it is really difficult or impossible to earn more than 3,000 yuan a month by financial management. I personally feel that if the current market price exceeds 5%, it should be risky, and there may be a loss of principal, not to mention that you require such a high rate of return.
1. First of all, it can't be realized by fixed deposit banks or bonds, nor can wealth management products;
2. The stock is very simple, as long as you choose the right ticket, not to mention the return of 18%. Anything higher than this number is possible, depending on your voting ability. However, no one, including professional institutions, can grasp the rise and fall of stocks. Looking at the stock market, except for the bull market, few people say that they have made money. In the past 10 years, the bull market doubled rapidly in 2007 and 20 15 years. Everyone made money, and as a result, the stock market crash came and disappeared.
You must choose the right fund. Look at the annual fund rankings. No one ranks first every year, and always goes high and low. If the fund loses more than the limit, it will be liquidated.
4. It is most possible to invest in real estate, but it seems that it is not suitable to invest in real estate in the current environment.
5. rely on relationships! If you have a reliable friend and a good project investment, lend it to him.
Suggestions: First, prepare for the loss of principal.
1. The first choice is to rely on relationships, find reliable people, and vote for the right project;
2. Don't limit the income to a short period of time, put it in a long period of time /5-8 years, and experience a bull market cycle/,which is not small. It is more reliable for ordinary people to invest in the fund first (if they have no experience, choose mixed fund managers and stable fund managers, refer to the performance of the fund from its establishment to the present, and combine the performance of the fund in the past three years or so), provided that they choose the right one and don't step on the thunder. Even at 2015-today, the stock market has experienced ups and downs, and the income in these two years has exceeded 18%. At this stage, first choose dividends and then invest. When the bull market comes, choose cash dividends or direct investment in stocks (ordinary people had better not make stocks, entering the stock market is another world, even if they make money, they may not be able to put it in their pockets).
source/LC/20 17 10 19-d-833867 . html。