Why not buy a house after 70?
A very important reason is that the era of real estate speculation has passed, and the golden decade of houses has become a thing of the past. Now the national housing prices are already very high, and there is a big bubble. If you buy a house again at this time, it is a takeover. In the next decade, the decline in house prices is the general trend. From now on, the house price is on the high side, similar to the high point of 6 124 in 2007 or 5 178 in 2005 in the A-share market, but the difference is that the house price continues to fall, the decline is very limited, and the reasonable price operation is the most reasonable.
What is good for 700,000 investment?
Now there are 700 thousand investments to choose from, and you can't hang yourself on a tree. You can choose one or two investments that suit you according to the characteristics of principal security, rate of return and liquidity of funds. Here are a few investment projects to recommend to you.
national debt
Buy government bonds with 700 thousand, which is real estate. The reason for buying government bonds is that the principal is safe, it is a zero-risk investment, and the interest rate is not low. The annual interest rate is between 4% and 4.5%, at least 4%, and there is also 28,000 interest income a year.
bank deposit
The security of bank deposit principal is very high, which is basically zero risk. 700,000 In addition to choosing a current account in a bank, I suggest that you choose 700,000 as a time deposit or a large deposit certificate according to your personal liquidity, but what I recommend most is a smart deposit in a private bank. The five-year smart deposit has a minimum annual interest rate of 5% and an annual interest income of 35,000 yuan.
Bank financial products
There are many kinds of wealth management products. I personally choose to suggest that you buy 700,000 bank wealth management products for a reason. The relative risk of bank wealth management products is very low. Compared with trust and P2P wealth management products, bank wealth management products still have advantages. Bank wealth management products also have a low-risk annual rate of return of 4%~5%, 700,000 is between 28,000 and 3.5 yuan, and the medium-high risk wealth management products are 6%, so the annual income is more than 42,000 yuan.
Investment industry
It is obviously impossible to do big business by investing 700,000 yuan, and you can invest in dry stocks; Or you can be your own boss. For example, you can invest 6 yuan in self-service car washing industry, or open a baby shop, or invest in restaurants, snack, fast food, cold drinks and so on. Food is the most important thing for people, and it is a daily necessity.
Buying and selling securities and stocks
700,000 yuan for stock trading is a high-risk investment. I believe everyone is familiar with stocks, but most of the people who come to the stock market to speculate are Man Cang. Since I recommend you to stock 700,000 yuan, I suggest that you control the risk of stock trading and make profits on the premise of controlling the risk. 700,000 shares, absorbing state-owned bank shares on dips, and holding money as bank deposits for several years. In this case, I believe that there will be good returns with high probability.
in conclusion
Through the above analysis, there are now 700,000, and it is not supported to buy a house again. I just need to buy a house. In order to improve the quality of life, I don't want to buy another house. I depend on my own financial resources to decide whether I just need it or not. In addition, I have shared five kinds of investment projects according to the security from low to high. You can make the most correct investment decision according to your own situation of 700,000 yuan.