We have 3 million yuan on hand. As for whether to deposit in the bank or invest, let's first calculate according to the regular interest of 4. 125%: 300 * 0.04 123750, annual interest 123750. If your living expenses are less than 1237500, I think you can deposit interest in the bank, regardless of inflation, and you have reached the level of financial freedom.
If your living expenses exceed 1237500 yuan, it means that you can't support your life for a long time just by this interest. You must rely on work or other labor to increase your income and make up for the lack of interest.
If your living expenses are above 12.375, and you only want to live on interest or wealth management income, then at least part of the principal of 3 million needs investment to generate higher income. For example, if you invest in stocks with relatively high dividend yield, or invest in entity enterprises, you must ensure that the income is higher than the bank deposit interest, so that the income of 3 million will be higher than the bank's regular interest, and life will be better.
According to the principle of not putting money in one basket, I think investment should mainly include the following aspects:
1, set aside 6 months of living expenses, which is also an emergency fund. Make sure that when dealing with special circumstances, you have food in your hand and don't panic.
2. Invest in your own health to prevent accidents and buy corresponding insurance products for your family. As the saying goes, illness means that illness is harmful to individuals and families. Once you are admitted to the hospital, your money will soon be gone. Therefore, you should buy corresponding insurance to ensure that your property will not suffer heavy losses when it is affected by the disease.
3. Invest in products with stable income, such as bank deposits. This part of the funds can be used under large circumstances, and the income is relatively stable.
4. Invest in some high-yield products. Even if the principal of these funds is lost, it will not have much impact on the living conditions of families and individuals, and obtain high returns with high risks.
Therefore, for the 3 million in hand, we should also judge according to our own situation, but I think several aspects of investment should be balanced, even in the worst case, it will not have a great impact on our lives.
I hope my answer is useful to you. I'm Ma Xiaoshuo. Welcome to pay attention to communication.
Because the questions and information given in the topic are relatively simple, it is not good to give too many specific suggestions. In the current environment, the economic situation in the first half of 2020 will definitely be greatly affected, with short-term impacts on tourism, aviation, catering and real estate. Of course, some people see opportunities, such as investing in online office, online education and online medical care. However, looking back, the epidemic came suddenly. As long as it is successfully passed (at present, it will probably be in April), the national fiscal policy and monetary policy will be overweight in the second half of the year. In fact, China's economic development has been sustained and stable. (that is, how to develop, how to layout or what, just adjust the strategy to deal with emergencies: survive first, then recover, and then seek development. ) Now that we have dug a hole, those who can't get through will be eliminated. Crossing it is an opportunity!
(Sorry, digression) Back to the topic, I can say that there are many projects that make money, and of course there are more losses, such as self-media, catering, planting, breeding, 5G Internet of Things industry, virtual reality, cross-border e-commerce, logistics, etc. You said that no one makes money, but there are many factors that affect profit and loss, such as your understanding of a certain industry, the mode of making money, and the project. In short, are you familiar with this industry? Do you have the resources? Can you provide suitable products or services to solve customers' needs, make customers pay the bill, and ultimately bring you benefits? Everything else is fake. The pig standing in the tuyere will fly for a while, but it will still fall after the wind passes. Don't blindly believe in or pursue big hotspots and big vents. Of course, some people can follow the trend to make money, but more people die. Therefore, it is suggested that the subject should first look for opportunities from his familiar fields and have resources to invest or cooperate with others. For example, if he is a wholesaler of fruits, he can consider investing in stalls in wholesale markets for subletting, investing in cold storage, stocking some varieties of fruits after planting trees, or investing in small factories to clean and package fruits (in fact, it is simply the supply chain of the industry).
However, no matter what the subject wants to invest, whether it is investing in himself or others, before investing, it is suggested that the subject must first confirm clearly whether this 3 million is idle money or money raised by all parties, so that the project he wants to invest can make money. If it is spare money, it is the best, at least in terms of investment period and capital cost. It will not be said that half of the investment withdrawal will lead to capital fracture, nor will it be said that the previous investment income is too low and the interest cost pressure is high. Then you have to think about two very important questions! Very important! Very important!
First, the main question is how much I expect the annualized income of 3 million, that is, how much money I want to earn through these 3 million years. This is very important. If you just want not to depreciate, the personal recommendation letter is for investment banks to protect capital, manage wealth and national debt. There is no pressure to basically annualize 4 points. Running cpi 40 thousand a year is no problem. More radical wealth management products or trusts, 5 to 7 points or even higher annualized. Basically guarantee capital preservation or meager profit.
Second, the topic owner must also think about how much risk he is willing to take, that is, the loss of principal. There are gains and losses in business investment, and he always takes into account the worst case, that is, if the investment fails, what you can bear in your heart is that the 3 million has lost tens of thousands. The idea is as above, whether to protect the capital or accept the loss of 6.5438+300,000, or even 500,000 or all. Different loss levels are very important for your investment projects, investment methods and capital operation, so you must think clearly. If you think clearly about the appeal, I believe that it will be very helpful for you to use this 654.38+0 million, and the expected return and expected loss are very important for investors to make decisions. Determine the profit and loss, then you invest in the project, and then optimize the funds invested in the portfolio project, which will be safer and more likely to make money.
(In my humble opinion, investment needs to be cautious)
It can be divided into two parts, one is saved as a guarantee and the other is used for investment. This is safer. After all, investment has a certain risk factor.
This depends on whether you have the awareness and ability to take risks, have the experience and mind to invest, and have investment channels. If you have it, invest it. If not, then deposit them in the bank. And if it is a small county, 3 million can negotiate with the bank, and even give you a position, hundreds of thousands a year, plus interest, more than 200 thousand a year is ok, which has exceeded the vast majority.
The safest way is to eat bank interest completely. The highest annual income may be between 4-5%, and you can get interest income of12 ~150,000 a year, which is quite beautiful for most ordinary wage earners. There is almost no risk in obtaining a stable income.
Of course, in order to pursue higher returns, distribution can be made appropriately.
40% is used for fixed income investment, and the income is about 4%.
30% is used for steady investment, and the income is about 8%.
30% venture capital with higher return, about 12.
This kind of distribution or properly adjusting the proportion distribution can get more benefits, of course, the small heart should also have a certain risk tolerance.
[yi tooth]
First of all, to calculate the hard spending needs of you and your family, this part must be reserved in advance so that you have no worries. The reserved money can be used for money funds and short-term financial management, with a yield of about 3 points, and the money can be taken out in a short time;
Secondly, the rest of the money should be distributed according to their risk preference and risk acceptance ability;
Finally, portfolio management, regular financial management, insurance, funds and stocks can all be options. For example, 30% of the funds are used to do regular financial management, or to buy life insurance, and strive for annualized income of 5 points; 30% of the funds are used to buy funds, preferably closed-end funds, which are easier to cross the bull and bear markets and achieve positive returns; The remaining 40% can be properly speculated. Those who have experience in stock trading or believe in their ability can take a chance, and those who have no experience in stock trading can buy floating wealth management products.
In short, you can't put all your money in one basket, you must know your risk tolerance. High returns mean high risks.
It is recommended to spend 3/2 of the funds to buy a suite. If it is the best property in a first-tier city (it can be a little remote), don't buy shops casually, especially those with small areas that can't operate independently (I 15 bought a small shop in a first-tier city in Guangdong and left it idle for more than two years, which is the biggest mistake in my investment history). I suggest that you don't buy stocks of companies you are not familiar with casually, because I took a detour and stumbled here. The last part can be used for fixed investment funds, which can be index funds, stock funds or hybrid funds. On the premise that if the fixed investment is stock funds or hybrid funds, we must pay attention to the income situation in the past 3-5 years, and choose a fund company with large scale and influence to raise funds, which will make people feel much more at ease. If you invest in index funds, you don't need to refer to the performance of previous funds, because index funds follow the market index, such as CSI 300, CSI 100 or CSI 50. These index funds follow these indexes, and it is of little significance to refer to performance. This kind of fund basically does not need the management of fund managers, so the subscription fee is also very low, but in the era of sharp fluctuations in the stock market, its advantages are revealed. For example, in 2009, I decided to invest in a hybrid fund, and experienced the market of 15 rising from 3,200 points to more than 5,600 points. /kloc-in 0/5, I redeemed all the funds because I bought a house, and only that hybrid fund brought me more than 60% income. Funds are also the most suitable for most office workers to manage their finances. The holding period is 3-5 years, and the income is usually higher than most wealth management products on the market.
Personal financial management experience, I hope it will help you.
I don't know your specific financial situation, but children can only choose one, and adults can have both. According to Standard & Poor's family asset allocation, currencies should be classified, that is, 65,438+00% of short-term currencies should be deposited in bank cards for 3-6 months. Life-saving money accounts for 20%, and some funds are used to incite high insurance to deal with sudden serious illness, medical care, accidents, etc. The money used to make money accounts for 30%, and the income and risk coexist, which is used to invest in stocks, funds, bonds and so on. 40% of the money used for capital preservation and appreciation is used to buy real estate, annuity insurance, money funds, etc. The principal is safe and the income is stable, which is used to support the education of the elderly and their children. Therefore, it is necessary to make adjustments according to the current assets, and you can pay attention to me specifically. I'm also sharing financial tips. Although it won't make you rich or expensive, I hope it will make you safe.
Must be deposited in the bank, but not all.
The first is to buy an insurance for yourself and your family.
The second is to buy index funds. Because the index fund is scheduled to vote, it saves worry and trouble, and the valuation is not high.
The third is to leave some for daily use and put them in Alipay or WeChat. The income is good and there is no delay in using them.
Finally, put large deposits in banks or buy government bonds in banks.
Of course, you have to consider the specific proportion yourself. My suggestion is 1.2.3.4 (Insurance 1, Fund 2, Alipay 3, Bank 4).
Well, I hope my advice can help you [smile]
Use it to buy a house. It is better to make long-term investment than to deposit it in the bank. On the one hand, we can wait for the house price to rise, on the other hand, we can rent it and collect rent. Choosing a second-hand house in the city center will be good, easy to rent and not expensive. Of course, if the stock trading technology is good, you can also consider it.