In the blink of an eye, 2021 has reached its third month, how is your investment arranged? In the face of the federal reserve led by the central banks of the major countries are desperately printing paper money, everyone has a hunch that money in their hands will definitely become less and less valuable, but they are entangled in how to invest this year.
The fast rise and fall of the new year in 2021 can be seen by everyone, and there are two points that need to be reminded here:
First, we should reduce the expectation of returns, not greedy. For example, most investment products can have a 10% return is very good, do not greedy for more than high.
Second, according to the different actual situation of each person to do different configurations, decentralized layout, it is best not to touch the high leverage.
How to allocate investment? As a person with more than 20 years of investment experience, today I provide some investment ideas on the representative questions of netizens from all over the world.
1. How to invest 500,000 yuan?
If you now have 500,000 cash to invest, this number is definitely worth a lot, but for ordinary people, it is also a small capital that needs to accumulate a certain amount of time, so the bullet is not easy to come by, and it needs to be reasonably arranged, which requires a clear long-term investment idea.
Because of the amount of money, it is basically difficult to buy a house on this budget. In the target city we are talking about, the big city with more than a dozen inflows of people in the north, Shenzhen and Hangzhou, this fund is not even enough to pay a down payment. And the mortgage to buy a house, after the down payment also has to invest every month, which is beyond the set range of half a million cash. As for the other half a million cities where you can buy a house or a shop, it is also an area that we believe lacks investment value for a long time, so it does not need to be considered (if you have different opinions, please leave a message to discuss).
Secondly, if you choose gold for investment, there is no interest and dividends, and second, gold is very cyclical, and it may rise or fall within ten years. It does not conform to the idea of long-term continuous appreciation.
Therefore, the most suitable investment is actually to enter the stock market by buying funds, because there are many options for stock funds, and it is frugal. We have always advocated betting on one or two stocks, because corporate information disclosure is always problematic, and the physique is uneven, and it is quite risky at any time. However, we are talking about long-term investment, fortunately, time can be spanned by ten years, then it can iron out a lot of short-term ups and downs and even digest the impact of the big fall, so from the perspective of the general trend, you can consider a combination of new energy vehicles. It's hard to say in two or three years, but within a decade, it's likely that the stocks of these five companies will have doubled several times. Specifically, you can use the 3+2 configuration idea, which are Xiaopeng Automobile xpev, ideal car LI and NIO three, as well as Tesla TSLA and BYD 002594.
New energy vehicles are the direction in China, and there will be tens of millions of sales in the future. Even if Tesla is the only one, accounting for half of the market, the remaining half of the market will be a domestic new energy vehicle brand segmentation. These three have been listed, such as tiger wings, at least one or two will be able to run out in the future. It wasn't unusual for stock prices to rise tenfold at that time. Even if the other three or four are not very good, the return on the total investment within ten years is believed to be more than three times the probability of the moment, can be satisfied.
2. How to invest 1 million to 5 million?
If you have more than 1 million cash to invest, then it means that you already have considerable strength, and you have investment experience, so in 2021, we think it is impossible to invest in a big year, and the timing of special opportunities is relatively small, and it is necessary to reasonably adjust investment expectations. It is recommended that it is best to diversify investment, the following is 1 million as an example, if more is deduced according to the proportion.
In addition to maintaining cash for three months of living expenses (such as 60,000), you can take out the remaining half of the funds (470,000) and invest in some medium- and high-risk products, such as equity funds. This effectively brings out the value of the funds. Cash is not easy to come by, and reasonable operation can make your assets maintain and increase in value without depreciation. For investing in the stock market, here are a few suggestions: First, grasp the general trend of China's industrial development and choose the right stocks. Second, don't be afraid of stocks falling, if it's a valuable company, the stock price plummets when it's your chance to buy. Third, do not be afraid of short-term losses, the so-called school to pay tuition, investment is a science, to learn more, see more, try more. Be bold and careful to play with the stock market.
The remaining half of the funds are also 470,000, this part of the cash can be deposited in the large amount of deposit certificates of large state-owned commercial banks, the interest rate of large certificates of deposit is 40% to 55% higher than the ordinary deposit interest rate, and the three-year 1 million yuan can get about 4.26% interest. An option with a similar risk factor is the Treasury Bond, a five-year savings-style Treasury bond with an interest rate of 4.27 percent. Large certificates of deposit and treasury bonds have the advantage of paying interest on an annual basis and are very safe unless large banks go bankrupt or the country's credit fluctuates. These are all interest-payable on an annual basis, and there may be more than 100,000 gains a year. Of course, if you are more active, this part of the funds can be allocated to bond funds.
In short, more than one million funds are divided into three parts, 3% are kept to live, the other half is used defensively to maintain monthly cash flow, and the other half of the funds invest in the stock market to seize the next economic growth opportunity.
3. How to invest 50,000?
We say that investment is not more money and less money, the key is to have a certain amount of principal and clear investment ideas, and be prepared to take risks. A friend said that I have not long been working, my savings are limited, if it is only 50,000 yuan, how to invest?
First of all, congratulations on having such an investment mindset! Secondly, the most direct advice is that you invest this fifty thousand yuan in yourself! Spending money on a practical skills class after work – whether it's a chef or a programmer, even an art design. Today's young people can have a professional technology, is the foundation of life. The so-called art industry has a specialization, and the skills are not pressed. In this era of rapid development, let yourself have one more skill, one more opportunity to gain benefits, especially with the advent of the mobile Internet era, information dissemination is getting faster and faster, and communication between people is becoming easier and easier. After so many things happen in 2020, each of us must have a sense of self-worth, but also increase our income, which is also responsible for our wealth and responsible for ourselves. We have to learn different skills, we have to learn to play different professional roles, and we can't rely on a single skill to keep a job old.
In fact, in some countries, this has long been the case, as long as there is a skill, whether it is repairing cars or raising flowers, or even mounting and pasting paintings, it is possible to live well. The current Internet age also tells you that as long as you have skills, you can use them anywhere. For example: now vibrato, kuaishou, video number, everyone sends videos, do live broadcasting, rely on their skills. As long as you have the skills, you don't have to worry about no fans, no traffic. In the future era, this kind of work that can show skills through the screen and make money will certainly be able to withstand the impact of the mobile Internet, and the hourly revenue can also increase.
Therefore, with 50,000 yuan to invest in yourself, now 50,000 is enough for you to learn a technology, with technology to not worry about no work, the second is to have multiple eyes, accumulate professional skills and network customer resources, in preparation for you to have more investment capital in the future!