Idle 20,000 spare money to seek investment direction, a little spare money how to invest

**Regular investment may also lose money, because it is related to the bank's investment, the bank takes the money to invest**, if you lose money, will you have money? Of course, if you make money, you will get a little more. Generally speaking, **good,**regular investment earns more, and the risk will be a little smaller than your own investment**, but the return is definitely not as good as your own investment**.

In addition, it is generally not recommended to buy a bank**, and the bank lobby manager is often there to complete the task, not to help you make money. It is better to find a better broker to buy**. Good standard:

1. The company's analytical ability is strong; 2. The broker is responsible. The rest is up to your luck and mind. In 09, when it was good, my classmate's investment doubled.

But this situation is a good situation. No, a company with twenty or thirty percent revenue is remarkable.

I'm a **broker.

Buy** good.

If you have experience, try buying**.

Students in school know that managing money is good.

The funds of 2w are not large, **It's not good to do now, mind choosing carefully, and now the investment value of spot ** is very large, and the margin trading capital requirements are not large.

2w funds do the worst plan to lose 20%.

It's better to say that it's not good, depending on it, and it's normal to make a profit of 20% in a good week.

1. Deposit in the bank: you can deposit a fixed term but the interest rate is not high and the time is long, you can go to the bank to buy 30 or 50 days of wealth management products, the interest is relatively high, and the time is not long;

2. Purchase wealth management products: There are many third-party institutions for wealth management products, and it is important to choose reliable units and suitable varieties in order to make their money more valuable, such as P2P, sweet orange wealth management and other financial management, and the general risk is relatively low basically at about 5 points;

3. Purchase relatively high-risk bank bonds or: these are operated by specialized institutions, which are risky but generally have high returns, and you don't need to operate them yourself;

4. **:** is the principle of high selling and low buying, you can make a profit of up to 20% per day, and the same loss is the same, and the investment is still good when you choose, especially for spare money;

5. Open a store: If the spare money is slightly larger, we can choose to invest in a store or an investment project, and choose a reliable and stable project to increase stable income.

Financial management is to manage money, "if you don't manage money, money will ignore you". Income is like a river, wealth is your reservoir, and spending money is like flowing water. Financial management is to manage the reservoir well, open source and reduce expenditure.

Bank deposits. The security flexibility is good, but the yield is low, and it generally does not outperform the CPI.

Currency**. The security is almost the same as the deposit, but the yield is higher, the flexibility is close, and the disadvantage is that it generally takes 1-2 working days to arrive, but at present, many currencies** can already achieve T+0 transactions.

National debt. Treasury bonds are generally liquid and can be withdrawn in advance, but the yield needs to be discounted.

Bank Finance. Fixed income bank wealth management products, the yield is generally higher than deposits and treasury bonds, but the liquidity is poor, must be held to maturity, security in most cases do not need to worry, because there is bank credit in it.

Insurance. Wealth management insurance is suitable for a limited number of people and occasions, and needs specific analysis of specific problems.

Real estate. The threshold is high and the income is high, but the current slowdown in earnings growth tends to be stable.

P2P Wealth Management.

These are fine.

Reconsider. 1. Low-yield stroke insurance. Buying a house out of bai

Rent and other purchases of such hard assets

The profit rate is very low, and there is a risk of discounting the value of the DAO property.

2. Low yield and low risk. The yield on bank wealth management, deposits, treasury bonds, commodity bases, and bonds is slightly lower, and the highest is 5 6%.

3. Medium return and high risk. Investments for the purpose of appreciation, such as the appreciation of house purchases, generally carry a premium when buying a house due to their own transaction attributes, so the risk of discount is relatively large.

4. Medium return and medium risk. There are certain risks in trusts, asset allocation for large customers, etc., with a maximum rate of return of about 15%, and high requirements for asset amounts.

5. High return and high risk. , **, public offering, etc., the income is very high, but the risk is higher, especially this kind of bankruptcy.

6. High return and medium risk. **, private equity, etc., the return is very high, but the risk is also relatively high, if the mentality is right, as far as the current China ** is concerned, there are still opportunities.

7. Medium return and low risk. There is a popular saying in the market: you will outperform 50% of people if you don't choose stocks, and you will outperform 75% of people when you don't choose stocks, so the regular investment index is a good way, and the risk is low, the disadvantage is that the investment cycle is relatively long, and the yield is about 10 25% in the past.

At present, the domestic economic downturn is an indisputable fact, real estate is also under heavy pressure have been auctioned, at this juncture, investment is more risky, only by following the trend to make money, and** should be a good investment direction. If you don't understand, you can look for me

1. Appropriate investment instead of all of them are used for investment Although there are nearly one million idle funds, it is recommended not to use all of them for investment, but first of all, when allocating a certain amount of reserve funds and emergency funds, for possible unforeseen needs, or ordinary living expenses, this part of the money cannot be used for investment.

-About 60% of the funds are used for stable fixed income investments3, bank wealth management products, and bond investments.

4. A small amount of ** investment.

And for **, it's not impossible to invest. In fact, in the long run, at least for a few years, ** is still a good investment channel, but the disadvantage is also more obvious, that is, the risk is relatively large.

You can purchase wealth management products offered by banks. It's better to buy the one that is less risky.

Go to the big city and buy a house and wait for the value to appreciate.

Take a few hundred yuan to invest in micro-business, and save the rest.

Buying a house, a house in a first-tier city.

Dining bar This one is pretty good.

It's better to find a solid business than to invest in any kind of investment.

Again, there can be low-risk, high-income investments.

This depends on how much working capital you have in your hand, in terms of the amount of DU investment, zhi** can be more or less due to the strength and interest of investors; Stock A.

Tickets can also be more or less; Real estate, on the other hand, is larger. In terms of the rate of return (calculated by the amount of investment), ** is generally higher than ** and real estate, the characteristics of "small profit and big profit" are more significant, and the relative risk is also larger. In terms of capital flexibility, ** using the margin system, you only need to pay less than 10% of the total contract value; ** You must invest all the money, and you need to pay interest to raise the money; In addition to bank loans, real estate requires a huge amount of capital.

It is recommended that no matter what investment you make, you should plan and estimate it reasonably and minimize the risk within your own ability!

You can lend me 500,000 and give you interest.

Invest in me! Let you earn a thousand dollars.

Film and television investment, can I learn about it privately?

I have a wellness program with good prospects, have you seen it?

With 2 million idle funds in hand, what is better to do some trading, and the income should reach more than 10%? Hello! Xiaowen feels that if you have 2 million in your hand, you can cut these idle funds into several parts, and then choose different types of risk projects to invest, these projects are allocated differently according to different risks, because you don't understand your risk appetite, so you can't accurately "tailor" asset allocation, but Xiaowen can recommend several financial management methods for you, and the income can meet your satisfactory requirements.

If you do investment and financial management, it is recommended that you need to conduct a serious investigation of the project when you do it! Investors want to invest safely, and the annual rate of return is more than 10%, if investors are not attached to the requirements of the annualized rate of return, then you can consider bank wealth management, many banks have financial products for large capital users to enjoy. However, it is necessary to pay attention to distinguish whether it is the bank's own product, do not buy trust and insurance sold on behalf of the bank, and at the same time pay attention to whether the product is principal protected to ensure the safety of the principal.

In addition, if investors require an annualized rate of return of more than 10%, then investors can try P2P financial management, which is more reasonable and the annualized return of online loans is about 13%. Definitely meet your 10% yield requirement. However, investors are reminded to choose a safe and secure investment P2P online loan financial management, such as an annualized rate of more than 20%, the risk is relatively high.

If you don't have a lot of experience, you need to choose this type of platform carefully.

Secondly, in terms of security, we should try to focus on fund custody or bank depository, the documents must be complete, and the risk control and risk reserve funds must be perfect. Platforms like Sanyibao hope that investors are interested in taking a look, and the reputation in the industry is good! You will say that 2 million can be invested**Ah, it is also a good way, remember that there is no experience in manipulating**, it is best not to get involved, the risk is too great.

Xiaowen suggested that investors can consider diversified and diversified investment, using part of the funds for VIP wealth management of banks and part of them into P2P wealth management; If you want to **, you can use a small part to play and feel the **** mood; Invest in some bonds and ** types and other good returns**; If you are married, set aside expenses in advance to reserve for your children's education funds, and both husband and wife should supplement the purchase of accident insurance and medical distress insurance as soon as possible. The remaining funds can be used as a part of the fixed deposit to ensure that there is no worries.

Summary. Ten million, there are more things that can be done.

Understand finance, **buy**, and do private equity ......

Understand **, do some business, open a company.

Understand processing, open a company factory ......

Now that there are 10 million idle funds, what is the best thing to use them for?

Ten million, there are more things that can be done. Understand finance, **buy** Songla, and do private Zhaohua fundraising......Understand **, do some buy and guess oak selling, open a company to understand processing, open a company factory ......

Ten million is really not a small number. It's so stupid to have so much money, you can do whatever you want, go to the bank and be an uncle, and the bank is enough for an ordinary family's expenses...Reputation....There is also a virtual hall remaining.

What do you invest in when you start a business? <>

New energy vehicles are very popular.

It doesn't matter what you do, it's what you do.

What if it's Karn?

I'm short-sighted and not fit for business. If I really have so much money, I can go directly to the bank to find a manager of the stool bank and invest in the whole portfolio. Travel around the world, spring flowers bloom <>

What business is good to do now New energy vehicles, there are a lot of ppt, and there are only a few rounds of investment in a few rounds of rock digging wheels, we have 10 million, not less, go and invest!

With the continuous development of social economy, in real life, we will encounter all kinds of problems, especially for idle funds, how to invest, but also many friends are very puzzled about this, in fact, we have to know, now we have idle ** in our hands, then we can invest**, we can also invest in our own industry, do not think of getting rich overnight, it is very impossible to get rich overnight.

First of all, we have to understand the problem of the ruler Xunbai, that is, when we have idle capital in our hands, we can take it, to manage money, and we can do some relatively low-risk financial management, such as our **, or some bank savings products, of course, if we can invest **and**, this is also very good, when we invest, we can carry out decentralized financial management, we can deposit a large amount of money in the bank, the annual interest rate is relatively high, Generally, it can reach the level of the corresponding financial interest rate.

In addition, if we want to use our own idle funds to invest in other industries, it is also possible, no matter what kind of industry we are engaged in, we must invest in the industry that we are familiar with, because only by understanding the relevant content of this industry, can we better help us, do not blindly listen to others, to invest in areas that we are not familiar with, because there will be many traps in unfamiliar areas, which will lead to huge economic losses. We can ask our friends in real life if they have made investments, and if others have good investment projects, we can also follow others to invest.

To sum up, we can obviously know that if we have idle funds in hand, then we can invest accordingly, we can manage our finances, and we can also invest in the industries we are familiar with, of course, it is best to control the corresponding risks, only in this way can we better protect us.