If you had 100, how would you invest it?

For those who lack funds, in order to realize the ideal of entrepreneurship, they must grasp several points: 1Steady:

Although starting a business is risky, and starting a business is also risky, but in terms of relative conditions, don't be misled. It is necessary to choose the most stable projects, industries with prospects for development and expansion and relatively insurance, such as clothing, food, housing, and transportation, which have more circular consumption, China's more than one billion people, and the money spent on food, clothing, housing and transportation every day can be said to be like the water of the Yellow River gushing endlessly. Objectively speaking, the ** type is more suitable for entrepreneurs with lack of funds, that is, to open a store.

As soon as the store door opens, business will come, whether it is more or less to look at the operation, depending on the wisdom.

2.Low: If you lack funds, don't choose high-end consumer goods to operate, otherwise the subsequent additional investment and the consequent increase in operating costs and expenses will overwhelm you and enter a vicious circle.

There are still a considerable number of people in China who have not become rich, and it is possible to achieve the purpose of making money by targeting these people and dealing in cheap goods, with small profits and quick turnover, low costs, and low requirements for operating conditions.

3.Fast: No matter what business you do, raw materials or goods must have a certain inventory, and no matter how small the inventory is, it needs to be scientifically managed.

Don't buy more, to be fine, good sales of the appropriate more, the mainstream of the goods to go to the volume, with the profit, do not blindly seek the best low and blindly buy a large number of goods. Otherwise, the turnover is not effective, just like running with a boulder on your back, others have already come back to carry the second piece, and you are still halfway, and the speed beats you.

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Hello, 1 million yuan in cash, to be honest, this figure will overwhelm me, a student who has not yet stepped out of college. I come from a working-class family in a small city in the south, and the topics of **,**, investment, and financial management seem to have not entered my life yet. The past 2008 is an extraordinary year, the global economic crisis has brought huge downward pressure to the domestic economy, and the chain reaction of real estate, employment, **, financial management and other markets has also been fully rolled out.

Thinking rationally, my general idea is to organize my life and diversify at the same time. The specific investment should be invested in business, because I don't know much about investment, and my risk tolerance is not enough, and my risk appetite tends to be cautious. First of all, I will buy an insurance policy for my parents and myself, which will cost about 30,000 yuan.

Because I haven't considered settling down in ** yet, I won't consider buying a house. I will deposit $270,000 in the bank first, of which $70,000 will survive in case of emergency, and the other $200,000 will be deposited for 3 years. Although the bank interest rate has been greatly reduced due to the economic crisis, I vaguely believe that in the next three years, as the economic situation improves, the bank's interest rate will also increase, and the interest after three years will be my stable income, and the sum of these principal and interest will become my down payment for buying a house in the future.

Then I took out 200,000 yuan to my parents so that they could live a more comfortable life. In a small city like ours, the two of them have worked hard all their lives, and they should have a little savings, but I would also advise them to make some small investments, such as making a local commodity ** or buying a part of the city's bus company, etc., of course, they are more familiar with these investment areas than me, and I will also advise them to invest cautiously. Next, I will spend 300,000 yuan to open a small ** store in Beijing, which has always been my dream, and it is also the most important part of my 1 million yuan capital allocation, one is because I have a certain interest in opening a store and starting a business, and the other is that I have made some attempts in this regard.

The last 200,000 yuan I will choose to invest in a chain trinket supermarket similar to Lechuantian, such a chain jewelry store is to save time and worry, and the second is that it will generally have more room for profit, and it can also diversify investment risks. That's my $1 million allocation. I think that for people of my age and situation, it is better to take a long-term view, and not to act arbitrarily and blindly invest in combination with my own actual situation.

Zhang Cuihong, Wealth Management Manager of Wealth Management Center of Puyang Branch of China Construction Bank in Henan Province, commented: Liang Minle is a very practical, simple and filial girl. For people of her age and status, in the face of 1 million yuan, she did not lose her center of gravity, but made an arrangement very rationally:

Buy insurance first Leave an emergency fund Plan the down payment for buying a house in three years according to your age Be filial to your parents and make industrial investments with the remaining funds after everything is in order. A decent outline of asset allocation for young Chinese women is very good.