1: 40% of the funds will be used for the fixed investment of the fund (high risk, high return and medium liquidity).
What exactly is a fund that can make a fixed investment in Baidu? I don't recommend buying stocks, which is not suitable for small white investors, but the risk of the fund is relatively small, so how to make a fixed investment? You can use the mobile app to download Tian Tian Fund Network or Ant Wealth, and then register an account on it. There is a fixed investment function next to the purchase interface, and online banking can pay. For fund investors, I suggest choosing 50% equity funds and 50% index funds. Index funds can choose CSI 300, SSE 50 and CSI 500. Of course, you can also configure it yourself.
What are the benefits of a fixed investment fund?
The advantage is that the longer the time and frequency of fixed investment, the smaller the risk and the smoother the income curve, because the monthly investment of fixed investment is certain. For example, if you buy at a high level, the share of buying will be less, the price will fall, and the share of buying will be more, and the average price of buying will eventually approach a low level. When the fund finally returns to a high level, you will still make a profit, so the impact and risk of buying at a high or low level are not great. According to the trend of previous years, suppose you choose the Shanghai and Shenzhen 300 Index Fund. Although you have experienced many ups and downs in bear market and bull market, the final rate of return is huge. Let's take 190 Shanghai Composite Index 100 as an example. Although bulls and bears alternate, it still reaches 4300, an increase of more than 43 times, with an average annual growth rate of 16.8. It is equivalent to your investment in 1990 of 1 000 yuan, and now you make a profit of 430,000 yuan. Some friends will think that the replacement of bulls and bears is afraid of buying at a high level, so I suggest that Chinese cabbage choose an index fund to vote, so that the income curve will become very smooth in the 25 years from 1.990 to 20 1.05. Let's assume that they started investing 25 years ago. Through the principal and interest calculation formula, the value is 1 14000, which is much less than 43 times, but the risk is greatly reduced, and you only deduct 400 from your annual salary, that is, you can buy a car 25 years later by investing in 33 yuan every month, so a monthly salary of 4,000 yuan is not suitable for investment and financial management? I do not think this is necessarily the case.
With the convenience of Internet finance, it is not difficult for a basic investor to achieve an annual return of 65,438+00% through study. Let's assume that a person's average annual salary increase is 8%. If your return on investment is 65,438+00% per year, then you will outperform the salary increase. Under the benefit of compound interest investment, the investment equivalent to you now will be more valuable than the investment equivalent to you after five years of work.
How long is the fixed investment period of the fund?
In fact, fixed investment is a lifelong investment, which I will also mention at the end of the article. I don't recommend ordinary investors to do band. First, intraday trading needs to pay a huge handling fee. Usually subscribe for 0.6 points and redeem 0.4 points, which adds up to 1 point, and the transaction cost is much higher than that of stocks. Second, funds are different from stocks. If you make a fixed investment, you must be patient. Don't pay attention to it every day, because it will waste your energy and toss your mind, and you may not be able to predict success. However, if there are problems with the fund, such as management changes, frequent dividends, and declining fund rating, then you can change to a better base. The important thing is to stick to the fixed investment, otherwise you will lose all your efforts. Don't move unless you need money urgently.
2.20% is used for money funds (low risk, low return and high liquidity) (it varies from person to person, and the more unstable the return, the higher the proportion can be). The liquidity of money funds is very high, similar to bank demand deposits, but the yield is much higher than demand deposits, generally at 4-5 points. At present, there are many kinds of money funds in the market, including Alibaba Yu 'ebao, Tencent Licaitong, Tian Tian Fund's active treasure and other money funds purchased online, and so on. It is suggested not to charge them. . . At least for me.
3.65,438+05% will be used for Lucky Treasure, Tencent Wealth Management or JD.COM Wealth Management (medium and low risk, medium and high liquidity). At present, the agreed rate of return of products such as Zhaocaibao personal loan and small and micro enterprise loan is about 6.5 points, and the principal and interest are well guaranteed. If you pursue higher returns, you can consider the insurance products of Zhaocaibao. Investment-linked insurance is not a fixed rate of return, and the expected annualized rate is around 7: 00, with little risk. At present, personal loans and corporate loan financing in Tencent Licaitong and Ali Lucky Treasure have been removed from the shelves and replaced by insurance financing of insurance companies. The annualized expectation is about 4.5-5.5%, and the income is low, which is close to bank financing. Personally, as a substitute, you can also choose bond funds. The debt base mainly holds corporate bonds. Judging from the historical income, about 6%, the excellent debt base can be more than 8%. However, due to the fluctuation of fair market interest rate, the price of debt base will fluctuate. Although it will make money in the long run, it will even lose money because of price fluctuations in the short term. In addition, due to the influence of subscription fee and redemption fee, the liquidity is low, and it is generally recommended to hold it for more than 65,438+0 years.
4.25% will be used for P2P financial management (high risk, high income and low liquidity). I personally like it. The yield of the selected P2P platform can be stabilized at around 10. At present, there are many P2P platforms to choose from online. At present, the largest P2P platforms in China include Pleasant Loan, Dianrong.com and Renren Loan. Choosing those large P2P platforms, or having a thigh-high father like lufax, is usually less risky. For example, the interest rate of the scattered bid in Renren loan is very high, but it does not guarantee the safety of the investor's principal. Although the interest rate in call auction is low, it is guaranteed by a cooperative guarantee company.
Then combining the above four investment methods, we can get an annual income of 0.25 *10+0.15 * 7+0.2 * 4.5+0.4 *12 = 9.2.
Through the above calculation, we can get diversification, and the annual rate of return after further smoothing is 9.2%. According to the rule of 72, 72/9.2=7.8 years, then the assets will probably double in 7.8 years.
Then let's assume that the reader is 25 years old, and through hard work, the annual salary growth rate is 5%, and the return on investment is 9.2%. As wages increase, investment will also increase at the same rate (5%). On this premise, let's calculate the assets at the age of 45.
Since the annual balance is 2700* 12=32400 yuan, assuming that the monthly balance ratio remains unchanged (consumption and wages increase proportionally with age), the investment in the first year will increase from 32400 * 1.090 after 20 years of compound interest. In the second year, it was 32,400 *1.052 *19 =190175 yuan, and the investment in the twentieth year was 32,400 *1.05 20 yuan. Then the return value of the annual investment of "32,400 *1.05n yuan" from the first year to the twentieth year after 20 years, where n is the year and1.05n represents the year-on-year growth rate of wages.
Although our annual investment increases with the increase of salary, the final value of our annual investment is getting earlier and earlier, and the total return on investment in the last 20 years is 2,795,600 yuan! This shows that even if you are 45 years old or an ordinary working class, you will have a lot of assets through your persistent investment at this time. After the age of 45, if you have 2.8 million assets, you can earn about 300,000 yuan a year by investing, and you can retire early on the investment income.
Although this model is not very detailed, it also ignores some expenses, and I think most people can only reach 50% of the savings ratio, so the total value will vary from person to person, and wage growth will gradually slow down with age, which is usually higher in the first few years and lower in the next few years. However, because it is more troublesome, it is not explained in detail. The relationship between compound interest, time and final value is mainly explained by the above calculation.
It must be noted that this table is only for respondents over 45 years old, and the lever behind it will get bigger and bigger until it reaches a horrible number. Interested friends can do the math themselves.
Obviously, according to my financial plan, it is not difficult to achieve an annual rate of return of around 10, but many people don't know how to manage money and don't believe in its magic. They always think that the poor should go to work and manage money. The result is often lifelong poverty. Finally, my suggestion is: while working hard and raising my salary, I should also actively learn the knowledge of investment and financial management, and adjust myself to my own mode according to my plan before practicing. If you want to retire early, start today.
PS: Investment and financial management is actually a very interesting thing, and it is by no means as simple as what I just said. If you are 22 years old now, you can actually make investment plans for your children's education, buying a house and buying a car. The earlier you plan, the lower the cost. Give an example of educational investment planning (children graduate from undergraduate to graduate). If you are 20 years old and have a baby at the age of 30, the baby will be 65400. With inflation, tuition fees have been rising. According to the data of previous years, assuming the annual growth rate is 5%, the annual tuition fee for non-special majors is 6000 yuan, and that for masters is 10000 yuan. In addition, monthly living expenses 1500 yuan annual accommodation fee is 3,000 yuan 10 month. The annual expenditure of undergraduate course is 6000+1500 */kloc-0+3000 = 24000 yuan, and the annual expenditure of master degree is 30000 yuan. If the family's annual income is 72,000 yuan, the burden of undergraduate education will reach 33.3%, and the burden of master's education will reach 42%. Generally, the burden of family education will exceed 30%, which is a very stressful value. Let's see, you've been investing in future children's education since you were 20. If you want to completely buffer the high education expenditure in these seven years by your upfront investment, then calculate the total amount first. 24000 *( 1.05 28+ 1.05 29+ 1.05 30)+30000 *( 1.05 3 1+ 1.05 30) That is, every month in 520 yuan, that is, from now on, you can invest in 520 yuan Education Fund every month until 28 years later. It's just like buying education insurance, but the difference between managing your own money and managing the money of insurance companies, but the rate of return of insurance companies ... You know, you can also plan your future pension, buy a house for your children, prepare to travel around the world, and reserve medical care. All these big expenses are planned, and they will be lighter in the future. Do whatever you want. The last sentence: remember that compound interest is amazing. As long as you beat inflation, your income will rise with time ~ so the sooner you manage your money, the better!