Risk-free At present, there are only two truly risk-free products on the market: one is national debt (national credit endorsement); The other category is bank deposits (rigid redemption products). More strictly speaking, there is still a little risk when the bank deposit exceeds 500,000 yuan, because the bank may go bankrupt. As for other money funds, wealth management products, structured deposits, etc. Although it is a low-risk product, it cannot be called a risk-free product. After all, they are very low.
The yield of national debt is currently 4.27% of the highest five-year period, which is only about half of your required 12%; As for time deposits, if we want to consider the possibility of bank bankruptcy, we can only choose six state-owned banks. At present, the six major state-owned banks have 2 million certificates of deposit, and the interest rate will remain at around 4.5%, which is still far from your required 12%.
Therefore, relying on 2 million yuan to earn 20,000 yuan/month without risk is not available in the current market! There are many products with certain risks that can be realized, but the risky products cannot guarantee the safety of the principal.
Risk-free monthly income of 20,000 required principal. Based on the bank's 4.5% calculation, to achieve a monthly income of 20,000 yuan (that is, an annual income of 240,000 yuan), then the principal we need is: 240,000 yuan/4.5% = 5,333,300 yuan, which means that you almost have to plant a lottery ticket of 6,666,300 yuan (the lottery ticket needs to pay 20% unexpected income tax) in order to hope to achieve a risk-free lie of 20,000 yuan.
To sum up, the principal of 2 million yuan is not enough, you have to continue to struggle. When you have more than 5 million yuan in deposit, consider this problem again.
Hello, everyone, I am "borrowing skills". As a bank employee, I focus on answering financial questions such as bank deposits, loans, credit cards, investment and wealth management and insurance.
The principal is 2 million yuan, and the monthly income is 20,000 yuan. 1 year is 240,000 yuan, and the annual interest rate is 12%. It is difficult to achieve this goal without risk, but there are ways. The specific analysis is as follows:
First of all, portfolio investment is needed to achieve the goal. At present, from the perspective of financial products and investment channels in the market, the annual rate of return of 12% cannot be achieved by purchasing a single variety of risk-free products. Therefore, portfolio investment is needed.
2. Portfolio investment needs to give consideration to both profitability and security. The subject requires an annual income of 65,438+02%, but is unwilling to take risks. The "risk-free" mentioned here should mean low risk, at least the principal security. Otherwise, it is impossible to realize the annualized rate of return of 12% without taking any risks.
The investment portfolio constructed by this investment requirement and target requirement should give consideration to both profitability and security.
Third, the idea of portfolio investment requires no risk, which should refer to the security of principal. Therefore, when building a portfolio, we must ensure the absolute security of the principal of 2 million yuan.
Therefore, this portfolio should learn from the idea of "structured wealth management products" and be given a five-year term. Details are as follows:
1. Buy a wholesale insurance product of 2 million yuan, which will expire after 5 years, with an annualized rate of return of 5%. In this way, the annual income is 6,543,800 yuan. Five years is 500 thousand yuan.
2. Advance 500,000 yuan of wholesale insurance profits to buy stocks. 2 million yuan, annualized income 12%, five years is 1.2 million yuan. We need to buy one stock, or two or three stocks, and achieve a 140% increase in five years.
At present, China's A-shares are at a low level, and there will inevitably be a bull market in five years. In the bull market, stocks with doubled share prices abound. Therefore, this scheme is feasible. Finally, I wish my friends a smooth investment and financial management, and all the best!
Hello, friends! 2 million, with a monthly income of 20,000 and a yearly income of 240,000, with an annualized rate of return of 12%! There are many ways … but you can't lie down … If you are willing to lower some requirements, for example, the average annual income is 654.38+10,000 yuan … or higher, and invest and manage money with 2 million yuan, the security will become clear and you will feel more at ease …
First of all, the current return on investment in various industries:
The above table shows the overall return on investment of large venture capital institutions. The relatively high It industry, 1 1.04% (average annualized), medical and health industry, 10. 18%, and mass cultural media, 4.08%, all belong to venture capital!
Summary: It can be seen that the expected annualized rate of return of 24%, combined with the current practice of investment and wealth management market, is hard to earn!
Then, look at the practical financial plan:
Scheme 1: Very low risk, low risk (PR 1-PR2) scheme, suitable for cautious, steady and above friends with risk preference! Mainly by controlling the product risk level, to control the risk from the root, and strive to reduce, the principal and expected income, interest, affected by risk factors!
1, three-year certificate of deposit, 1.5 million yuan, deposited in three banks to ensure the safety of the principal, deposited in four banks, the principal interest is protected by the deposit insurance system, and this part can be earned!
2. The remaining 500,000 yuan is used to buy innovative deposits, of which 400,000 yuan is used to buy products that pay interest regularly, by file and by installment, and pay interest on a monthly basis, so that you can have disposable living funds every month! 65438+ ten thousand yuan is used to purchase and innovate demand deposits, which can be withdrawn at any time! These two products are directly produced by commercial banks!
Option 2, mortgage, guarantee, very perfect, the evaluation is above 7 points, trust products! Suitable for friends who are steady and have the above risk preference! This product has a high degree of matching with large funds, standard collateral and higher degree of risk control! There are currently 1 10,000 cases!
To sum up: From the current market practice, 2 million yuan is very low-risk or medium-low-risk financial management, focusing on product selection, controlling risks from the source, and appropriately dispersing, combining and optimizing the allocation, which is different, which will help to further grasp the aspects from multiple angles and make financial management have more stable expectations! The schemes and products listed in this paper can be deeply understood by friends, and personalized selection and combination can be made, so as to enjoy the good return of investment and financial management!
Two million people earn a risk-free monthly income of 20,000 yuan and an annual income of 240,000 yuan, which requires an annualized rate of return of 12%. The annualized rate of return of 65,438+02% is risk-free and nothing needs to be done, so they can make money lying down. The only recognized risk-free product in the market is national debt, and the highest interest rate of national debt is 5-year national debt, which is only 4.27%, which is far from satisfactory. If you can take a little risk, real estate can meet the annualized income requirement 12%. Let's calculate it together.
1. Can the annual income of residential commercial housing reach 12% in the past 10 years? Take the national average house price as an example. In 2009, the national average selling price of residential commercial housing was 4,459 yuan/square meter, and in 20 18, the national average selling price of residential commercial housing was 8,544 yuan/square meter. In 2009, the down payment was 2 million and the loan was 4.66 million. The total house price is 6.66 million yuan, the loan interest rate is the benchmark interest rate, the loan term is 30 years, and the sales tax is calculated at 3%.
Therefore, the total profit = 665438+ million+1.998 million-800,000-21.000-19.98-38 = 4.6 million, and the annual profit is 460,000 yuan. The annualized rate of return is 23%, much higher than 12%.
2. What is the compound annual growth rate of house prices? It can achieve annualized income 12%, down payment of 2 million and loan of 4.66 million. The total house price is 6.66 million yuan, the loan interest rate is the benchmark interest rate, the loan term is 30 years, the sales tax is calculated at 3%, and the rental yield is calculated at 3%.
According to the annualized income 12%, the house needs to make a profit of 7.2 million yuan after 30 years, assuming that it needs to be sold to N million yuan, and the sales tax is 0.03N N N.
Profit = n-666-0.03n-19.98-424-80+199.8 = 720, n =17.63 million yuan.
The compound annual growth rate needs to be 3.3%, which is equivalent to the house price 1 10,000 yuan/square meter this year, and it will be sold to 26,500 yuan/square meter 30 years later, which can meet the annualized income 1.2%. Although house prices may not rise as fast as in the past, economic growth, land finance, land purchase and urbanization will continue to push up house prices. I think it is very possible to increase house prices by 3.3% every year.
I can tell you for sure that there is no wealth management product on the market that allows you to get 12% annualized income without risk. Except for some special circumstances in a special period, we can only make some low-risk investments and the rate of return will be much higher.
Special circumstances Because my family worked in a bank, when I was very young, in the early 1990s, there was a time when the bank's deposit interest rate was very high. I remember that the annual yield of bank time deposits reached 15%. At that time, many people put their money in the bank, but after about a year of implementation, they made adjustments.
This situation will basically not happen in the future, because the domestic economic market has reached a balance, and the interest rate of banks will only be lower and lower in the future, and there will be no sharp increase.
Low-risk joining There are some big brands joining in the market at present, all of which have capital to join and are fully managed, and only need to give a part of the deposit. The company will help you get started. If the contract expires or you choose to give up the operation, the brand will deduct the expenses such as decoration and return it.
At present, the relatively stable products in this respect are Blue Ocean House and famous products. Because of the large scale and sufficient operating experience, the closing rate is still very small. At the end of the day, they will directly call 20%-35% of the day's turnover to the affiliated investors.
Generally speaking, the risk of this investment method is relatively small, but it is not completely risk-free. After the preliminary investigation and risk control, the annual income difference can only exceed 12%.
Some large companies will raise funds internally before listing, on the one hand, in order to expand the scale, on the other hand, in order to stimulate the work motivation of core employees.
However, such opportunities are rare and must be based on a full understanding of the company. If the company is not listed, it will pay dividends according to a certain net profit. If it is ready to go public, the company will also recover its shares. Even if you don't recycle it, you can get corresponding dividends after listing, and you can also trade stocks.
This kind of investment has a high return and a strong wind, but compared with the early investment, it is still very secure. Because many large companies have developed to a certain stage, they can basically see whether they have a future.
A monthly income of 20,000 means an annual income of 240,000 and an investment of 2 million principal, which is equivalent to an annualized rate of return of 12%.
At present, the only absolutely risk-free investment and financial management is national debt. However, the yield of national debt is currently less than 5%, which is far from the yield of 12%.
Other things that are almost risk-free are bank time deposits. As long as it does not exceed 500,000 yuan, even if the bank goes bankrupt, it will make compensation. You can deposit 2 million in more than four banks. But even the current bank deposit with a fixed term of five years has a yield of only 5.3%!
It can be said that the annualized rate of return of low-risk investment and financial management in current society is not higher than 6%. If the annualized rate of return is higher than 6%, it is definitely risky.
In other words, if you want to make money with 2 million yuan without risk, you can earn at most 10000 per month through investment and financial management!
If you want to earn 20,000 yuan in a risk-free month, you must first increase your own funds to 5 million yuan.
1 strive to make money or start a business, and finally accumulate its own funds to reach more than 5 million yuan. In this way, according to the current highest interest rate of bank time deposits, there can be a risk-free income of 20 thousand yuan per month. Don't rush to rest, work harder and reach the small goal of 5 million yuan.
Investment index funds can increase their value to 5 million yuan in about 10 years. Compared with high-risk investments such as stocks and futures, index funds are high-yield and low-risk investments.
Do marketing or anchor or other part-time jobs, as long as you don't need your investment, you can try, or you can earn 20 thousand a month without risk.
Hello, friends!
With 2 million yuan, I want to earn 20,000 yuan a month without risk, that is, 240,000 yuan a year, which is equivalent to an annualized rate of return of 12%. Such a wealth management product with a safe rate of return cannot be realized, but it may be realized if it is invested in the stock market. Let's analyze it.
Safe wealth management products cannot be realized. If you invest 2 million yuan to buy safer wealth management products, it will not be realized at all. At present, relatively safe wealth management products include savings-type treasury bonds, bank certificates of deposit, private bank deposits and other products.
At present, the annual interest rate of 3-year savings bonds is 4%, and that of 5-year savings bonds is 4.27%.
At present, the annual interest rate of bank certificates of deposit is relatively high. Generally, the annual interest rate of 3-year certificates of deposit for 2 million large banks is 4. 125%, and the annual interest rate of 3-year certificates of deposit for 2 million small and medium banks can reach 4.2625%.
At present, the annual interest rate of new deposits in private banks is relatively high. Now there is a five-year deposit with an annual interest rate of 5.8%, and another one with an annual interest rate of 5.5%.
It can be seen that the highest annual interest rate of relatively safe wealth management products is 5.8% of the five-year deposits of private banks.
If it is possible to invest in the stock market, it is possible to invest in the stock market with a yield of 12%. Now, if you invest in the stock market, you can insist on value investment and hold it for a long time, so the risk is small and you can get relatively stable income.
Now, if you invest in the stock market, you can choose blue chips with high dividends to invest, which may reach an annualized rate of return of 12%. For example, if you bought Maotai stock a few years ago, you can definitely achieve an annualized rate of return of 12%. According to the calculation, if you bought Maotai when it was listed, it is now at least 100 times. Therefore, it is possible to achieve a return of 12% by investing in the stock market.
Now, you can study the stocks of the four major banks. At present, the share prices of the four major banks are much lower than their net assets, and the annual dividend yield is about 4.5%. Net assets can also increase by about 65,438+00% every year, and the increase of net assets will definitely lead to the rise of stock prices. And holding stocks, you can also play new shares, and if you win the lottery, you can get some income.
If you hold the stocks of the four major banks for more than 10 years, the annualized rate of return may exceed 12%.
To sum up, if you have 2 million yuan, you want to earn 20 thousand yuan a month without risk. If you can't achieve this rate of return through safe financial management, if you invest in the stock market, it may come true.
Thanks for reading!
It can be clearly said that there is no annualized rate of return 12%, and there is a risk-free investment of 241,000 months a year.
At present, the only truly risk-free investments in the market are bank deposits and government bonds, and the interest rate of government bonds is slightly higher than that of banks in the same period. However, whether it is government bonds or bank deposits, including certificates of deposit and smart deposits, the annual interest rate of 3-5 years is generally not higher than 5%, which is far from the annualized rate of return of 12%.
Bank deposits protect capital and interest, but wealth management products and insurance products are not. If 2 million yuan is deposited in one bank, it can be deposited in four banks respectively. According to the deposit insurance system, even if the bank goes bankrupt, the principal and interest of a single natural person within 500 thousand yuan of a bank can be paid, which is very safe.
For financial investment, the annualized rate of return of 12% is very high, and usually high returns are accompanied by high risks. In the past, investing in real estate was considered as a relatively low-risk and high-yield investment, but now the golden age of real estate cooling in the property market has passed, and the property market is not the best choice. If you have 2 million yuan, you can consider trust investment and financial management with higher returns and relatively lower risks.
At present, there are 2 million cash in hand. How can I earn 20 thousand yuan a month without risk? It seems that this problem is not too big, but it is very difficult to implement.
First of all: let's look at the concept of risk-free. The so-called risk-free, not zero risk. With Qian Shengqian's method, at present, from the formal channels, China Banking Regulatory Commission, China Insurance Regulatory Commission and China Securities Regulatory Commission, it can not form a risk-free written expression.
Therefore, at present, the most stable bank, time deposit, dare not indicate in writing that there is no risk. He can only tell you in another way that the risk is relatively low.
It can be seen that as long as there are risks in investment and financial management, there is no good channel to achieve risk-free and maximum income.
Secondly: let's look at 2 million, what is the concept of realizing 20 thousand income every month? The monthly income of 2 million yuan is 20 thousand yuan, which is the rate of return of 1%, that is, the annualized rate of return should reach 12%. If we simply look at the monthly rate of return, it is not very high, but it is very high through the annualized rate of return.
We can see that the annualized rate of return can reach 5.5% for bank time deposits and five-year deposits, which is far from the annualized rate of return 12%.
Let's take a look at the annualized rate of return of online investment and financial management, which can reach about 8%, but there is still a certain distance from the annualized rate of return of 12%.
Finally, how to achieve an annualized rate of return of 2 million 12%? Through all the above comparisons, we find that in order to achieve the goal of annualized rate of return 12%, from the comparison of all financial products at present, there is no investment financial product suitable for you.
There are certain risks in investment and wealth management products that are suitable for you, such as stocks, stocks, derivatives, futures, gold investment, foreign exchange, US stocks and so on.
Generally speaking, at present, you have 2 million cash in hand, and you want to earn 20,000 yuan a month, which Qian Shengqian's method can't achieve. It takes a long process to achieve this goal through physical store investment or entrepreneurship.
Investors are advised to make risk-free returns according to the actual situation.