With 300,000 yuan in hand, how can you invest and make money faster and better?

At present, the best investment projects of 300,000 yuan are convenience stores, unmanned convenience stores and other new retail businesses. At present, many communities have some convenience stores, and one of the important roles is to help replace white-collar office workers to receive express delivery, and at the same time will drive consumption, at present, the community is in great need of this kind of convenience stores. At the same time, a retail e-commerce company is also laying out thousands of village and store activities, through joining, providing training, etc., although it is essentially to serve him, but more of his own gains.

Two or three hundred thousand, there are still quite a lot of projects that can be invested. I don't know if you are starting a business for the first time, but if so, it is recommended to start with a small cost investment startup project. 3-50,000 to join a small store, dry cleaners are very good.

The domestic 800 billion blank market is waiting for you to excavate. The profit is high, the industry profit can reach 70-80%, far more than other ordinary industries, the operation is good, the profit is very considerable, and the general half a year can return to the cost.

It is very good to invest in a set of shops, we have this kind of small type of shops here, with an area of 4-20 square meters, and the unit price is not high, with a total price of 300,000 yuan. Or invest in a street shop with 70 years of property rights, which belongs to the more you maintain the value of the shop, you can gather the surrounding popularity, make some snacks or something, and don't worry about making money.

Only money can make money, this is the last word. But it's not that you can make money if you have money. Money needs to be liquid, and cash kept at home will not generate money.

Depositing in the bank can make money, compare insurance, but the yield is the lowest. If you want to have a high return, you have to make an investment, investment is risky, the higher the return, the higher the risk. If you don't know how to invest, you can find a professional investment company to entrust financial management, but you must choose well, risk control is the most important.

Find a suitable company to buy shares, wait for the year-end dividend, recover the principal, and if the company is profitable, there will be a steady stream of cash inflows, but this is a relatively risky one, because to advance and retreat with the company, the loss is likely to not get the money back.

If you have 300,000 funds in your hand, do the Fengshijie intelligent self-service car washing machine project. Start by making a medium-sized self-service car wash chain that monopolizes 50% of your local car wash market.

I am from Jinzhou, Liaoning, a fourth-tier city, at the end of last year, three friends invested a total of 1 million yuan, and got a hot pot restaurant, more than 330,000 yuan per capita, which is similar to your funds. Now his income, after deducting all costs, he can share more than 10,000 yuan per month, and he is expected to return to his capital in two years. This benefit is okay.

I joined a restaurant with a franchise fee of more than 100,000 points, and the remaining funds are still needed in terms of labor costs and material procurement. Relatively speaking, catering is just needed, and the more down-to-earth hot pot and Jianghu dishes I make are more popular, and they are relatively not affected by the policy.

It is impossible to determine how much income can be made from the purchase of 300,000 yuan in a year, because there are many types of investment, and the income or loss of different investments will be different, which needs to be determined according to the real-time changes in the market.

However, if the investor's 300,000 yuan buys currency**, then the one-year income can be determined, because the annualized rate of return of currency** is generally about 4%, so if the user buys currency**, the one-year income is 300,000*4%=12,000 yuan.

Extended Materials: Investment Varieties.

1. Real estate. Many people invest in real estate, and a family buys n suites waiting for appreciation.

2. Bonds. Bonds include treasury bonds, financial bonds, and corporate bonds. This is lower than **, but the return is also low.

Compound interest can be selected to calculate interest. Treasury bonds are not available to many people, and they are known for their good reputation, good interest rates, and low risk"Gilts"。The risk of financial bonds is relatively high, and the company's bonds have the greatest risk and the highest returns.

3、**。China's ** fell from more than 6,000 in 2008 to more than 2,000 in 2011, and the economy is growing without rising, PetroChina is so good that its ** is not good, Buffett is from PetroChina after earning 3.5 billion US dollars after a gorgeous exit. Some people say that China's ** is very similar to Japan's, and it will never be able to rise to a high point again, and it will only continue to hover around 3000.

It may have something to do with China's most powerful power. It is also related to the psychology of the Chinese people who are afraid of things.

4、***。It has been relatively hot in recent years. "Troubled times buy gold"In the case of the financial crisis, the European debt crisis, too many unstable factors in the world, and China's inflation is relatively strong, many people have turned to the world's common and stable value of materials.

There are many ** products of the bank, such as **bars, paper**, **t+d. Many people also do overseas ** through some channels, but it is likely to encounter black platforms, and the money is taken away by the companies that make the platform. The only trading institution recognized in China is the Shanghai Exchange.

5、**。** Refers to a certain amount of funds that are set up for a certain purpose. It mainly includes trust investment, provident fund, insurance, retirement, and various wills. What people usually refer to as ** mainly refers to ** investment **.

6. Short-term wealth management products of banks. For a few days, a few days, and a few months, the annualized expected return is about 5%. But it is"Annualized"。It is more suitable for companies or individuals with a large amount of spare funds in the short term.

7. Trust. At least 1 million, suitable for those who are relatively wealthy.

8. Collection of coins and antiques. There is a certain amount of income, but it may be for a long time, and the income is not guaranteed.

9. Private lending. At present, there are some institutions that do private lending, and the income may be around 5%.

Short-term investment refers to investment that can be realized at any time and is not prepared to be held for more than 1 year (including 1 year), including **, bonds, **, etc.

When there is more than 300,000 money in hand, users can invest by applying for fixed demand deposits, buying **, **, bonds, etc. Among them, the more prudent investments include bank deposits and currency purchases**.

Wait. If the user has a certain amount of financial knowledge, then the user can buy the corresponding product according to the trend. It should be noted that the higher the return, the higher the risk, so users need to invest cautiously.

Extended Materials

1. Origin. The term "financial management" was first seen in the newspapers in the early 90s of the 20th century. With the expansion of China's first-class bond market, the increasing enrichment of commercial banking and retail business and the increase in the overall income of citizens year by year, the concept of "wealth management" has gradually become popular.

Personal financial management varieties can be roughly divided into personal assets and personal liabilities, such as common assets, bonds, deposits, life insurance, etc., which belong to personal assets; Personal housing mortgage loans and personal consumption credit belong to the varieties of personal debt.

Second, the specific content.

Financial management, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow of an individual's life.

and risk management. Contains the following meanings:

1.Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

2.Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

can affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

3. Financial management channels.

Domestic institutions that can provide customers with financial services mainly include banks, ** companies, and investment companies.

1.Bank Finance.

Wealth management products provided by China's commercial banks.

Generally, it is a large certificate of deposit.

Asset management products, etc., the brokerage company or the company's hairstyle are not financial management.

2.Corporate Finance.

Wealth management generally includes, income certificates.

asset management products, etc.

3.Insurance and financial management.

Insurance and financial management are more inclined to long-term, focusing on solving the education planning and pension planning after a long period of time, and at the same time solving the problems of accident and medical protection.

4.Invest in corporate finance.

Investment company wealth management generally includes trusts**.

**Investment, jade, jewelry, diamonds, third-party wealth management, etc., require a higher starting capital, suitable for high-end financial professionals.

5.E-commerce financial management.

Abstract: Due to the central bank's interest rate cut, the bank's deposit interest rate has basically been reduced, and the interest rate of 300,000 funds deposited in the bank is too low, how to turn it into a stable investment? What is the good thing to invest 300,000 yuan?

300,000 investment and financial management plan.

1. Reserve fund for the family.

If there are already children in the family, the initial expenses must be much larger than before, such as baby milk powder is not a small amount, in addition, the child is frail and sick, sick and hospitalized, the cost is also quite large. Therefore, during this period, it is also necessary to prepare the family's living reserve and risk reserve to meet unexpected needs. This part of the funds can be placed for about 6-12 months of family living expenses, which is about 50,000-80,000 yuan.

A prudent investment of about 10,000 yuan.

The main direction of investment, it is recommended to allocate stable investment. For example, there was a bank wealth management product investment before, and the yield of the bank's wealth management Bitan pure product was about the same, which was relatively stable. In addition, it can also be configured with fixed income wealth management, which has a slightly higher income than bank wealth management products.

Prudent financial management is the foundation for ensuring the solid growth of family wealth, so it is the foundation of family investment. The proportion of allocation can be maintained at about 40%-60% of the family's investable funds. Before the letter.

3. Allocate risk-based investments.

At present, the more suitable risky investment is mainly ** or ****. For such high-risk, high-yield investments, financial planners recommend that the proportion of investment be about 40%-50% of the investable funds under the premise of a "bull market". If it is usual, it is recommended not to miss 40%.

Allocation**, you need to pay special attention to the diversification of risks, it is recommended to find professionals to help find a portfolio, and control the proportion of funds invested.

4. Configure family education**.

Children's education is an important part of the family, and providing an additional education in the future** is also more helpful for the baby's future education. It is recommended that at present, you can start to buy some children's insurance alone, or do ** regular investment, a few hundred yuan per month, and insist on long-term investment can also form a future education**.