How should ordinary graduates invest 50,000 yuan?

How can ordinary graduates invest 50,000 yuan? This can be divided into several parts, traditional wealth management (bank wealth management) can be invested with 10,000 yuan, and the interest rate is about 4%; Internet financial management, now that Internet technology is so developed, Internet financial management is also a good choice. For example, ** regular investment, *** regular investment, etc.

The investment is not higher, you can invest for ten yuan and so on. If you are safe, invest in currencies ** or ***. You can buy government bonds.

Deposit bank fixed, you can inquire about the current fixed interest rate of major banks, choose a more reliable bank account opening, can be a fixed passbook, or a bank card, and now the bank card can also handle regular business. If you can't manage your money on your own, you can choose this model to manage your finances.

Bank savings, security and liquidity are very good, but the returns are really pitiful. Moreover, bank deposits are calculated with simple interest, so it is not recommended to use this method, or do not put too much. Bank wealth management is mostly fixed-yield products, backed by bank credit, and the security is also very high, and the yield is higher than that of treasury bonds and savings.

However, the starting point of purchase is generally 50,000 yuan, and the liquidity is poor, and it must be held to maturity, which is not particularly friendly to investors with limited funds.

At the beginning, you can set up a stall with a small business for 50,000 yuan, and if you want to go to work, you can invest in some assets and buy some bonds.

One-year bank wealth management products, in general, the expected rate of return of such products is mostly between 5% and 6%, and the minimum investment threshold is high, and the number of 50,000 is relatively small, but it is not nothing. Although wealth management products do not promise rigid payment, most of the assets allocated by low-risk bank wealth management are highly liquid assets. Risk is directly proportional to return, and low-risk investments can only bring low returns.

There is not only a single category of low-risk products to choose from, but building a low-risk portfolio is also a good option.

I think you can invest in a small business, for example, open a milk tea shop, as long as you rent a storefront, and then learn some milk tea recipes, you can open it, the cost of a cup of milk tea is actually very low, but the average price is more than 10, you can imagine that the profit is very high.

If it were me, I would definitely invest in **. I graduated in 12 years, and I read some financial books in college, which started my financial enlightenment. After graduation, the salary balance of the first month began to be a regular investment, 15 years of bull market in the lucky small profit, after 7 years of deep cultivation, they have established a set of trading systems that can improve the probability of profit, first of all, the requirements are very clear, one year later to return the original number, that is to say, to obtain as high a return as possible on the basis of capital protection, and the real focus is to be able to increase financial experience.

Since you want to increase your financial experience, you must first know what financial products suitable for ordinary people include, what are the risks and returns, and then choose the products that are suitable for you to invest.

You can choose the regular investment method of financial management, which can maximize the control of the cost of holding the position, that is, the risk is controlled. Fix the amount of regular investment every month and automatically subscribe for ** shares, if you change your mind, you can also cancel the regular investment, which is suitable for long-term stable investment and can obtain unexpected returns.

If you want to pursue higher returns and be more conservative, then you can allocate 80% or more of your funds to low-risk fixed income products, and 20% or less of your funds to medium and high-risk floating income wealth management products, just like insurance. The advantage of this allocation is to preserve the principal, even if there is a loss in the fixed income category, then the income of the low-risk fixed income wealth management products can also offset the loss, so as to protect the principal from losses.

50,000 yuan is deposited in the bank, if you want to buy a computer, buy a computer, buy a mobile phone, and go to Europe to play for half a month in a good mood, it's basically about the same, and it's okay to invest in this kind of thing, 50,000 yuan in Zhihu, an environment with a per capita monthly income of 50,000, is really not capital, ** investment.

Look for entrepreneurial projects among familiar friends around, and those that are recognized by the friends who are interested in them on a small scale, such as a petty bourgeois bubble tea shop or something. If you are interested, you will participate and learn a lot. Because it is a small shareholder, the risk will not be particularly large, and the previous background investigation is in place, and the effect should be worth looking forward to.

Even if you lose a little in the end, this tuition fee will be very valuable.

1.Part of it is placed in the bank's Internet deposit as its own reserve.

2.Some of them can be fixed when the ** is low.

3.Or continue to work hard and study to increase the principal of financial management.

The best investment is to spend on yourself, constantly improve your own ability, and the later return is a lifetime, so the investment you do when you are young is to invest in yourself.

Under normal circumstances, entrepreneurs tend to overtrust the opinions of others, especially close friends, believing that the words of relatives and friends represent the truth of the market, and they do not need to investigate the market, which leads to investment failure. When making investment decisions, don't trust anyone's advice and advice, after all: if you want to know what pears taste like, you have to taste them for yourself.

This is an eternal truth, and investors should keep it in mind.

I think the problem of investment for ordinary graduates is the same as that of general investment, but there are also its differences, and then make specific investment decisions according to your own actual situation. Of course, investment should pay attention to three points: 1. Don't blindly pursue high income, otherwise the risk will be greater; 2. Don't be blind; 3. Avoid risk diversification.

Whether graduates earn their own money, or their family's money, should be cherished. First of all, we do a quantitative analysis and see a stable income of 50,000 years. 50,000 investment, moderate credit benefits and risks, for example, choose a 12-month period, converted to an annualized rate of 13%, so, after a year of investment profit is 50,000 * 13% = 6,500; If you choose more flexibility with a 4% calculation for 7 years, the income after one year is about $1,800.

It's the age of the webYou and I both know that the Internet age is a growing industryOn the one hand, the state recognizes online banking, and on the other hand, online banking will be regulated in the direction of sustainable development.

I think you can set aside a third of it for ** investment。But the market is risky, and you have to be cautious. It's better to use it to make **.

Now the diversification style of funds, there are 3 places to choose, **company, bank, **company. Understand its gains and losses, expenses after purchasing. Of course, you don't need to use money, or you can use high-risk products in the next few months, and you don't need to take out a loan to buy it**.

In short, you have to be mentally prepared that any investment is risky. High returns correspond to high risks. You must objectively measure your risk tolerance, and don't be greedy, otherwise the bamboo basket will be empty.

There is not much money, it is recommended to put the currency of Yu Bao **, be more stable, read some investment books, learn technology, and then make investment.

You have just graduated, safety first, this money is already a lot for a recent graduate, the meaning of financial management is that the net worth continues to grow, not much nonsense, the scientific dialectical financial management method is given to you, I hope to help you with some help.

1.Invest in Internet treasure, there is no minimum subscription limit, you have to save a sum of money here, this expense is to help you reduce the pressure in your daily life, to ensure that after a year, let your father see enough principal, you don't need to save too much here, 10,000 yuan at most.

2.In taking out a part of the investment, the current product styles are diverse, and the product is divided into private placement and public offering, you don't have to care, choose**you are only in 3 places,**company,bank outlets,**company,any other place, The market, ** risky, investment needs to be cautious, I'm afraid you didn't know before you went to college, here I want to give you a sound advice, you only buy the principal-guaranteed type**, high security, low risk, will not lose the principal.

3.You still have 30,000 yuan, this 3w yuan, you can try to find a good P2P financial management company, this is a kind of clean, the current market situation is like this, the industry is just emerging, the streets and alleys are full of salesmen of this kind of company, good and bad, many criminals to take this opportunity to make some money on the cusp, so if someone recommends you, you must first be cautious, there are many good companies, their company addresses are set up in a very expensive location, for this kind of company, can not just lead and look at the surface, This kind of company has a high annual income, which is more than 8%, and if you can ensure the safety of your funds, it is also feasible to make such an investment.

3), P2P companies are relatively risky, you can choose bonds, the yield is worse than P2P companies, the income is similar to bank wealth management products, 1000 up, the risk is 0, this does not need to be introduced, go to the bank outlets and ask yourself. By following this simple investment strategy, you will certainly not lose money.