Investment strategy of 0.1 million RMB

A few years ago, 0.1 million yuan may be an astronomical number for many people, but now many families have saved 0.1 million yuan or even more than 0.1 million yuan. Therefore, how to take advantage of the 0.1 million yuan at hand has become a question they must consider.

For different families, the deposit destination is completely different. Some invest in buying cars, and some families suffer from housing mortgages, which make room and accommodation uneasy. Simply repay the loan in advance; other families have made another investment of 0.1 million yuan.

Of course, these practices are widely used by many families. For many citizens, they may be more concerned about how to keep the 0.1 million yuan generating as much money as possible. A more realistic possibility is that how can you increase the value of 0.1 million after your hands resist the 3% inflation rate this year?

Bank financial experts said that 0.1 million yuan, if the money is used more effectively, can achieve security, commercialization, profit take into account, get twice the result with half the effort. While ensuring the security of funds, the company seeks the maximum appreciation space for funds, taking into account the ability to monetize funds.

Depending on the household investment preferences, you can simply divide the financial management methods into three investment methods: primary, moderate, and aggressive. Under normal circumstances, several investment methods should be able to achieve your value-added goal.

Balanced Investment Solutions

Recommendation 1: dividend-based insurance + currency-based funds


　
The dividend-based insurance company pays 20 thousand yuan at a time, and selects 10 years for the insurance period. In terms of investment return, the principal security can be ensured-fixed interest return of about 2600 yuan + distribution of more than 70% yuan of profit from insurance companies. Solid
Interest settlement is exempt from interest tax, and is protected by full-period survival and death insurance. There are many types of dividend insurance on the market. This case is based on a two-dividend insurance sold at a bank outlet.

　
In addition, RMB 80 thousand is used to purchase currency funds and use currency market funds to replace demand deposits. When liquidity and low risk are ensured, the Fund yield in the currency market is generally about 2%. Monetary Funds are generally not charged for redemption.
Cost, low management cost, flexible conversion, high security of the principal, and tax-free. Recently, when both the stock market and the bond market fell, the average return of the six currency funds in the Chinese currency market was
0.16%. For one-year fixed bank deposits with an interest of 1.98%, 20% of personal interest tax must be paid. Compared with this, the Monetary Fund has obvious advantages.

　Recommendation 2: dividend-based insurance + national debt


　
0.1 million out of 40% yuan, that is, 40 thousand yuan to buy dividend-based insurance. The purchase of dividend-based insurance is a relatively safe way to invest, with no dividends, protection, and Health Assurance. Expectation of short-term investment insurance
The annual rate of return is 3% to 6%, and the medium and long term is 5% to 10%. The remaining 60 thousand yuan can be used to buy government bonds in the secondary market, second, there is a guaranteed ROI each year.
In general, the annual return rate is between 3% and 4%. Although the annual ROI of a secure and guaranteed-performance investment scheme is not very high, it is estimated to be around 3% to 10%, but the risk is relatively small. After several years of investment of 0.1 million yuan,
It is also very impressive.

 

Moderate investment plans

Recommendation 1: Balanced Fund + Trust

The investment in open-ended Funds is RMB 50 thousand, which is less risky than stocks. In terms of financial management, this solution should first choose a balance fund with a share investment ratio of about 40%.

According to research data released by Morningstar, in the past ten years, the profits of different types of funds in the U.S. fund market were: 8.97% for stock funds and for balance funds.
7.44%. Bond Fund 5.92%, this data shows that balanced funds can effectively reduce investment risks and take into account the advantages of growth opportunities. It is understood that the balance Fund has an investment in stocks, bonds, and Other Assets
However, its recent performance is stable and more popular among investors. Among all open-ended funds in China, the balance Fund accounts for 1/3 of the total, making it easier for Medium-and mediocre investors to choose from. We recommend that you focus on
Fund with excellent annual performance.

In addition, you can purchase some good trust products for $50 thousand. For example, Jiangsu guotou launched the Power Trust program twice last year, which is mainly invested in two national power projects, with an annual revenue of about 4.2%. This year, some provincial sdks will launch a series of trust projects with a threshold of about 50 thousand yuan, mainly investing in stable and low-risk trust plans for power generation, urban construction, and municipal public utilities.

Recommendation 2: Balance Fund + partial stock fund + currency fund

The specific fund types can be selected as follows:

RMB 20 thousand million to purchase a currency market fund. Investors can use the advantage of zero redemption fee to perform frequent operations and earn the Fund's net floating balance. In addition, 80 thousand RMB in cash should be used to gradually purchase Partial stock funds and balance funds, and more balance funds should be bought Based on the term "conservative and positive.

Balanced funds can invest heavily in stock markets, bond markets, and currency markets. When there are multiple stock markets, they mainly invest in stocks. when the market is poor, they can invest in bond markets and currency markets respectively, obtain Capital Benefits and
Collect fixed income. Partial stock funds are investment funds with stocks as investment objects. They are the main types of investment funds. They invest in different stock combinations and are the main institutional investors in the stock market. For example, last year's open-ended fund
The top three are stock-based funds, and the peak value growth is at the top of 34.40%. Note that equity funds are closely related to the stock market. Investors Should Pay Attention to the stock market dynamics when making investments. Open
Fund is a medium-and long-term investment type and is not suitable for short-term speculation. Short-term investment funds are expected to return at an annual rate of 2% to 15%, up to 5% to 20% in the long term.

Based on the above 0.1 million yuan investment, we can expect an average annual return rate of more than 10%.

 

Aggressive Investment Solutions

Suggestion 1: foreign currency trading

Foreign exchange investment is a global investment skill. Generally, market volatility at night is more intense than during the day. To do well, you need to focus on the three major markets in the evening: London, New York, and Asia. This type of investment is suitable for those who know about foreign exchange trading and are concerned about the international situation.

Compared with stock investment, foreign exchange transactions have relatively low risks. The normal daily volatility of the exchange city is between 1% and 2%. in case of major events but around 5%, the average return on earnings is quite impressive, currently, the revenue of foreign exchange trading is quite high. It is common to earn 20% to 30% yuan a year. Even if it is not good, it is okay to earn 5% to 10% yuan a year.

Suggestion 2: Investment Securities + investment-connected Insurance

30 thousand yuan investment purchase investment connection insurance. The remaining 70 thousand yuan is used to buy stocks. We recommend that you pay attention to the blue-chip sector and select investment opportunities from the perspective of industry leaders. The stock market is suitable for medium-term investment.
With outstanding return on investment. As an amateur investor, it is difficult to "know" multiple stocks at the same time. Therefore, you should concentrate on a few stocks during investment. The following principles are for your reference: 1. hold stocks at the same time.
Never exceed 3. 2. 60% of the funds are used for midline operations, and 40% are used for short-and mid-term operations. 3. Do not touch stocks above 25 yuan or over 40 yuan after recovery. 4. shares that have increased by more than 80% in the past six months
Do not touch the ticket.

This investment scheme is highly risky, but the return rate may be very impressive. With reference to the several waves of market conditions last year, more than 20% of the profits are also possible.

Suggestion 3: Investment in securities + currency funds

The investment in the stock market is RMB 80 thousand, which is highly risky. Therefore, we must be prepared and able to bear the ideas. The remaining part of the fund is RMB 20 thousand to purchase the money market fund. The money fund does not need any redemption or other service fees, and the conversion is flexible. The security of the principal is also very high, and it can be tax-free.

1. This investment scheme requires investors to be familiar with the securities market, otherwise there is a high possibility of losses to the principal. "Long term is gold, short term is silver", should be long or short is still in the personal. If your investment cycle is medium-and long-term, you may wish to make a long-term investment, which may be an unexpected result. The expected annual return rate of short-term investment stocks is-12% to 25%, and the medium-and long-term return rate is 3% to 12%.

2. Do not forget to leave a liquidity for yourself at any time in case of any need. The money market fund is the liquidity fund. The above scheme focuses only on investment. When considering the comprehensive financial proposal, it is necessary to consider accident and health insurance.