With 300,000 cash on hand, what to invest in, it is more stable and risk free as much as possible?

I recommend a few very good small business projects for you.

Specialty plant shop.

In the face of increasingly fierce competition in the traditional flower market, traditional flowers and plants can no longer meet your profit needs, and new profit points are the goals pursued by many businesses.

The emerging hydroponic flowers and angel flower rooms are characterized by their uniqueness, alternative, fashion, and very ornamental, with the advantage of low cost, and based on a wide range of audiences, they are gradually entering the stores of various businesses.

Hydroponic flowers are not only more beautiful and high-spirited in appearance, but also change the traditional method of soil planting potted plants in the planting method, and begin to use transparent and nutritious crystal mud, nutrient solution and other substrates, and even many plants to achieve the lively scene of potted flowers and fish swimming in the pot, its unique shape is the home furnishing supplies that many families and office personnel are competing to purchase.

Store: 10-20 square meters.

Investment: about 1-20,000 yuan.

Conservative annual income: more than 50,000 yuan.

Target group: young people, students, children, and people at home.

Open an alternative pet shop.

Contemporary people like alternative things, and it is very common to have pets, if you let everyone raise alternative pets or show their alternative side in this way, it is a very easy and very popular thing, so the market demand in this area in China is very large.

Store: 5-15 square meters.

Investment: about 20,000 yuan.

Conservative annual income: more than 60,000 yuan.

Target audience: young people, students, children and anyone who loves small animals.

Alternative pets: snakes, lizards, turtles, chinchillas, spiders, squirrels, fragrant pigs, beaver rats and some new products and mini babes.

Opened a handmade chocolate shop.

Contemporary people are no strangers to chocolate, and there are many people who like chocolate, and it is developing in a straight line every year. For handmade chocolate, you can not only eat delicious chocolate, but also enjoy the process of making, enjoy the chocolate you made, and if you give your own chocolate to your beloved, what a romantic thing. Nowadays, young people like romantic, youthful, fashionable and noble colors, and chocolate represents these.

Store: 10-30 square meters.

Investment: about 2-50,000 yuan.

Conservative annual income: more than 60,000 yuan.

Target audience: young people, students, children, couples and all those who love chocolate.

I think you need to understand your investment needs and choose different investment methods while understanding your investment needs.

Whenever we talk about investing, many people think that investing is a very complicated thing. However, in fact, if you can understand your investment needs and investment strategy, investing is actually very simple, you only need to allocate your assets appropriately, provided that you can effectively manage your investment risk.

First, you need to understand your investment needs.

When you have 300,000 cash in hand, you need to know more about your financial needs. If you don't need to use 300,000 cash in a short period of time, you can invest in medium and long-term financial products. At the same time, you need to further assess your risk tolerance.

If you have a strong risk tolerance, you can participate in more active investment products. If you have a weak risk tolerance, you can put a large percentage of your money into bank savings or currency**. <>

Second, you can use a part of the cash for ** investment.

Investment is a very broad concept, and what we often refer to as investment is a public investment. **There are many types of investment, I personally recommend the passive type with relatively low risk**, this kind of **product mainly includes CSI 300 and CSI 500 index **, but also includes ** products in various industries. In addition, you can also choose to put a certain percentage of your funds into bond** investments.

3. You need to develop your own investment strategy.

Before you can invest, you need to not only understand your investment needs, but also develop your own investment strategy. Everyone's investment background is different, which means you need to choose different investment methods according to your actual situation. You should integrate the concept of asset allocation into your investment process, ensure the safety of your funds in this way, and obtain a certain percentage of investment returns under such a premise.

First of all, observe the economic trend, and then choose a very good trend, choose a part of the funds for the purchase, and to actively observe, sell high and buy low, and then you can use the reserved cash to buy bonds or financial investment products issued by banks.

You can buy education**, ****, technology**, medicine**, finance**, **** and so on. Because these ** industries are very promising. And it can also help us make a lot of money.

You can take out a part of the cash to invest, choose the right products when investing, but also to wait and see some trends, you can also consult professionals on the way. That's how you can invest.

I am interested in learning and exchanging in my financial investment and financial exchange study group.

Hehe, I think you should find a formal credit service agency and lend the money! This is an emerging way to manage your money.

First, the risk is very small and can protect the principal; Second, it hardly takes up your time; Third, the income is very considerable, with a stable annual income of more than 12%.

You can add me to talk about it in detail

**And the buckle can't be sent up.。。。 Stuffy.

Fixed annual income of 16%, return 4% every three months, risk-free funds with high safety.

Now in the market, there are mainly dividend-paying insurance and capital protection.

Participating insurance is recommended by individuals.

Capital preservation, this is originally risky, made risk-free, will inevitably reduce returns, itself it is a risky market, may lose or earn, the company to eliminate this part of the risk, can only reduce some returns, to resist future risks.

Instead of just choosing risk-free, it is better to do an asset allocation, risk-free plus risky. If you are interested, you can ****,

If you want low risk, the return will be low, like this kind of low-risk, don't choose the investment of the P2P platform, you can choose the low risk of Yue Bao, the return is relatively high.

The risk of deposit or financial management is relatively low, basically no risk, and the income is okay.

The investment risk of buying a bank or Alipay wealth management product is low, and of course you can also buy a small store and rent it out.

We can use the 200,000 yuan to open a small shop, such as a snack bar, which is basically a sure profit and a relatively low risk.

300,000 yuan in cash, we have to consider its inflation rate and the eventual degree of depreciation within 10 years. Therefore, if you want to invest in business, then the ultimate consideration is the marketability and the consumption willingness of the current consumer group, especially after the new coronavirus epidemic in 2020, many markets are full of certain uncertainties, which must be paid attention to in advance.

Below we just give a few more pertinent suggestions from an investment perspective.

The choice of stable investment and wealth management market.

The cash assets of $300,000 mentioned earlier, within 10 years we have to consider its inflation rate and the eventual degree of depreciation. You can't try to outperform all the inflation rate, because throughout the past 20 years, there are only a few real estate markets in China that can completely outperform inflation, so outperform part of the inflation rate, and control your rate of return as much as possible at this point in 2020 above 4% or more than 5%.

Then in the stable investment market, the current high-interest rate option is a large certificate of deposit, 300,000 yuan in cash, which has met the starting threshold of 200,000 yuan. Three-year bank certificates of deposit can be reached at a floating interest rate of 55% according to the top-level interest rate, and in addition, the five-year annualized interest rate can also reach 4% if you choose a part of bank treasury bonds, which is a certain decline compared with the same period last year.

In addition, we can also invest in banks with less risk in the stable investment market, and the one-year annual rate of return can also reach about 4%, including the current characteristic savings of some private banks and the yield on personal smart deposits can also be maintained above 4%.

As for the medium and high-risk investment market, in the next ten years, we may be able to lay out some high-quality assets for long-term holding, but the degree of loss in the early stage must be determined by personal risk tolerance. For example, in the market, we can invest in the index or the medium and long-term to choose the direction, in the next ten years, the tuyere has been very clear, that is, the field of science and technology and the medical field, including a part of the large consumption field to adopt the way of regular investment, after three years, the annualized rate of return can be stabilized in the range of 10% 30%, which is a large range of income range in the regular investment index market.

Study the manager! Buy**! Take a look at it regularly!

Can you deposit money into my card?

The three or three ladders are saved regularly.

100,000 five-year fixed, 100,000 public offerings**, 100,000 bonds.

If you only want to maintain value, it is recommended to buy low-risk products such as ** and treasury bonds; If you want to achieve rapid growth of assets and have strong risk-taking ability, you can invest in high-risk financial products such as ** and **.

On the one hand, according to the law of urban development, you can choose to buy real estate with potential. Or buy **, a ten-year long-term investment, the risk is not high.

I think I can buy a house, make a down payment, and then slowly refinance. Or deposit 200,000 in the bank and 100,000 for ** tickets. Or get a snack bar to do business.

Now there are many investment projects, real estate,**,**,**,spot**, compared to a rotten one.

Real estate: required capital - 30% 100%, profit method - ** profit, otherwise it can only be regarded as a way to preserve value.

The degree of risk - difficult to estimate, easy to lock up funds.

Trading Hours – Finding a buyer is not easy and uncontrollable.

Form of buying and selling - private or intermediary company.

Market size – generally only domestic investment.

Flexibility – slow.

The Shadow Nakai Factor - National Policy.

**: Funds required - 70% 100%, profit method - ** is a decent rate of return, ** is the capital is trapped.

Level of risk – The risk of artificially hyped is very high.

Trading hours - 3-5 hours.

Buying and selling form - single-line buying and selling limit order, the transaction must be completed after finding the buyer and seller.

Market size – regional.

Flexibility - ordinary.

Influencing factors - the market is not transparent, and it is seriously manipulated by institutions and large investors.

**: The amount of money required - 100% profit method - depending on the pattern, is generally slightly higher than the bank regular.

The degree of risk is determined by the kind.

Trading hours - depending on the type, generally 5-6 hours.

The form of buying and selling - a special person**, which I cannot control.

Market size – regional and international.

Flexibility – slow.

Influencing factors - Influenced by multiple factors.

**: Funds required - 3% 10% profit method - the return is fast and lucrative.

Degree of risk – depending on the kind.

Trading hours - 5-7 hours.

Buying and selling form - limit order, market order transaction must find the buyer and seller before the transaction.

Market size - centralized trading market.

Flexibility – faster.

Influencing factors - Influenced by multiple factors.

Spot**: Funds required - 1% 5% Profit method - two-way investment, flexible, fast, rich returns.

The degree of risk - the wind hunger eggplant laughs at the risk of personal control.

Trading hours - 24 hours.

Buying and selling form - inquiry knock order (limit order can be set, stop loss can be set).

Market size – international.

Flexibility – fast.

Global politics, economics.

If there is any flickering in the above comparison, you can check it online! It can be seen that the investment spot ** has strong flexibility, liquidity and stability And the larger the invested funds, the smaller the loss! I hope mine is helpful to you, and you can ask me again if you have any questions

Buy a few physical items ** and store it, absolutely zero risk, and the price of gold will definitely rise in the next few years.

In the face of the suppression of Chanchun residence, it is wisest to invest in shops, because commercial real estate is strongly supported, the investment is small, and the appreciation space is quite large, and the developer is cautious and managed, without bothering about it, about 200,000 can buy a shop with property rights, please ask me if you are interested.