2 million yuan, if you save a little, you can almost realize the freedom of wealth, so don't fiddle around if you have nothing to do. If you are not careful, you will lose more than you gain. Of course, if you are a billionaire, that's another story. After all, 2 million yuan may be just like 2,111 yuan for ordinary people.

The most conservative

2 million yuan is the purchase of government bonds or the deposit in the bank. There is no problem in the security of the two, and the rate of return can reach more than 4%, which is much higher than that of money funds such as Yu 'ebao. Take the certificate of deposit with monthly interest as an example, the annual interest rate can reach 4.18%. According to this interest rate, the annual income of 2 million yuan can reach: 2 million yuan * 4.18% = 83,611 yuan, which is equivalent to the monthly interest income of 6,967 yuan.

this interest income has exceeded the average wage of private units in cities and towns in China in 2118 (the average annual income is 49,575 yuan, equivalent to more than 4,111 monthly income), and it also exceeds the per capita annual living cost of 19,523 yuan released by the National Bureau of Statistics in 2118. Therefore, as long as it is not extravagant, this amount is enough to realize wealth freedom, and it is still a product with the least investment risk. If you properly invest in bank wealth management products, you can get higher income.

invest in industry

if you don't want to invest in the above products, you want to invest in industry and do some business? Are there any industries that are suitable and not difficult to operate? As far as my personal experience is concerned, I think the following two industries should be possible, and the investment amount is just within the range of 2 million yuan.

At present, many cities have set up baby care centers, mainly for swimming, massage and appropriate educational programs, etc. This kind of centers does not require much experience. As long as the service is good and the environment is good, the business is basically stable and the income is not too low.

2. McDonald's and KFC

don't necessarily need the above two brands, but Dicos and Wallace can, too. These are all from franchise chain. If you pay attention to these national brands of fried chicken and hamburger chain restaurants around you, you should find that there are basically no cases of closure of these brand stores, because their brands have been made and have a fixed audience, especially for families with children. Will choose these brand stores (more trust in their health), so you don't need any experience to join these stores. These have a fixed model, just copy them directly and combine them with local conditions.

Summary

At present, the market economy environment is poor, and if there is no big ambition, personal advice is to choose low-risk investment and wealth management products, because this income can already cover the monthly income of many people, so even if you are unemployed in the future, you don't have to be afraid. In any case, the risk of investing in industry is always higher than these low-risk financial products.