Inventory of ten thousand yuan double N possible not to ignore the small property – Sohu financing ten thousand yuan, it is easy to think more than 20 years ago that the "million households", think that year, a primary school teacher in normal, monthly salary is two hundred or three hundred, ten thousand yuan is equivalent to almost do not eat or drink four years of savings. The small owners can make up for themselves according to their monthly income. What is the level of the ten thousand yuan family at that time?. Ten thousand yuan, it seems now, may be just a small amount of money, but the essence of financial management is "not to finance small and ignore" and "take time for benefits."". How do you take care of these ten thousand pieces, and after a few years, you get different returns. When the base is relatively small, if you want to get rich rewards, you can choose the high risk and high profit mode of financial management, financial management or extend the time, the only way to maximize returns. This article will be shared for 10 years. N may be the most lazy choice — the bank demand 10 thousand yuan to double the current interest rate of 0.35 in one year, then ten thousand yuan so whether it is put in the bank, after ten years of 1*1.0035^10=1.03556 million, ten years rose more than 355, ten years of income is 3.55% of the most simple — regular bank current interest rate a period of 1.5 years, then ten thousand yuan in the bank, each store once a year, after ten years of 1*1.015^10=1.1605 million, ten year period rose 1650 yuan, ten annual income is 16.5% if it is a period of three years to 2.75, every three years to save time, nine years after 1* (1+0.0275*3) ^3=1.2684 million, nine years rose 2684 yuan, income is 26.84% of the most robust choice — Treasury debt for three years 4.92, five year bonds 5.32, ten thousand yuan to buy two five year bonds, after ten years 1+1*0.0532*10=15320, revenue 5320, ten annual income is 53.2% above, is to put the money in the bank, basically do not have to worry too much, the biggest advantage is that as long as the bank does not fall, 10 thousand dollars you ten years later, with all can get back. We can see that even the only bank, different ways of storage method, the final revenue will be fifteen times the difference, if your base enlarged, then the income difference between the absolute value can be described. 355 and 5320, is there a feeling of being intimidated? Because of the risk of financial products, financial products, the expected annual yield is not the same, there are many online financial products in recent earnings can query their fiscal honey in the choice of financial products must be clear contract, their products are guaranteed, because the annual revenue is expected, the expected risk is important. It is said again, you remember! Guaranteed financial products annualized income in 4.5%, there should be no problem. Ten years later, 1*1.045^10=1.5529, earnings 5529, minutes to catch up with treasury bonds have? Although the annual income is more than the national debt year!

盘点一万元翻倍的N种可能 勿以财小而不理-搜狐理财  一万元,很容易让人想到二十多年前的“万元户”,想当年,正常的一个小学教师,每个月工资也就是二三百块,一万元可是相当于不吃不喝将近四年的积蓄啊。各位小主可以尽情按照自己现有的月收入来脑补一下,当时的万元户现在是个什么水平。   一万元,现在看来,可能只是一笔小钱,但是理财的精髓就是“勿以财小而不理”和“拿时间换效益”。你如何打理这一万块,若干年后,你得到的回报也是不同的。当基础比较小的时候,如果想得到丰厚回报,那么可以选择高风险高利润的理财方式,或者是延长理财时间,只有这样才能收益最大化。本文以10年为期进行分享。   1万元翻倍的N种可能   最懒惰的选择――银行活期   目前利率一年期0.35,那么一万元就这么放在银行里不管它,十年之后   1*1.0035^10=1.03556万,十年期涨了355块多,十年收益是3.55%   最简单的选择――银行定期   目前利率一年期1.5,那么一万元放在银行,每个转存一次一年期,十年之后 1*1.015^10=1.1605万,十年期涨了1650元,十年收益是16.5%   如果是三年期呢2.75,每隔三年去转存一次,九年之后1*(1+0.0275*3)^3=1.2684万,九年涨了2684元,收益是26.84%   最稳健的选择――国债   三年期国债4.92,五年期国债5.32,一万元买两个五年期国债,十年之后1+1*0.0532*10=15320,收益5320,十年收益是53.2%   以上几种,都是把钱放银行里,基本上不用自己太操心,最大的优势便是只要银行不倒,你的1万块钱十年之后,连本带利全部能够拿回来。可以看出,即使是只放银行,不同方式的存法,最后的收益会相差十五倍,如果你的基数放大,那么收益绝对值相差可以按天壤之别来形容吧。355和5320,有没有被吓倒的感觉?   理财产品   理财产品因为风险高低不同,预期的年化收益也不尽相同,网上有很多理财产品近期的收益可以查询,财蜜们在选择理财产品时一定要看清楚合同,自己的产品是否保本,因为年化收益只是预期,预期就是存在风险的,重要的事情说一遍,大家记住便是!   保本理财产品年化收益在4.5%应该是没有什么问题的。十年之后1*1.045^10=1.5529,收益5529,分分钟赶超国债有没有?虽然年化收益比国债年利率要低,但是这里有个复利的算法,这便是复利的魅力所在!   如果选择不保本的理财产品年化收益平均应该在6个点左右,十年之后   1*1.06^10=1.7908,收益7908元,收益是79.08%,如果年化收益达到7.3%,那么1万块十年是可以翻倍的!   P2P   P2P因为最近频繁跑路而进入我们视线,但是作为理财达人,怎么能够因噎废食?选择P2P平台是也切忌不可盲目。拿攒钱助手为例来说,目前一年期预期收益是9.3%,十年之后1*1.093^10=2.4333,收益14333,收益达到143%   股票基金   如果觉得十年翻倍还不足以超越CPI,而且这1万块钱,你真的没有更好的去处了,不妨大胆尝试基金和股票。我们取风险最高的股票为例,我们不去想着企图能抓到一只妖股,就以格格的亲身经历为看,曾经有一只股票,我买了没多久碰上它连续12个涨停,记住,十二年涨停只是十二个交易日而已,不是以年为计。   1*1.1^12=3.1384,收益21384,扣除手续费用收益三周达到200%有木有?这是不到二十天的收益。   你完全可以用大把的时候来研究熟悉的股票,然后用短短的时间就可以拿到其他任务理财手段都无法企及的收益!   对于理财手段来讲,各种变异的基本上都不会脱离以上种种,当然了除了银行和保本之外,都是存在风险的,我们算收益时都是按理想状态正收益计算的,买错股票,股票退市的也不在少数哈。   当然了,除了直接拿钱生钱之外,我们还可以拿钱生点别的,比如我把1万块钱拿去跟别人合伙,每年可能都会有50%或者更多的回报。比如我把1万块钱拿去给自己投资,学了一门很容易找到兼职的技能,利用闲暇时间挣点外块,可能一年就能赚回一万块!   你不理财,财不理你。你的选择决定了你的结果。但是你在选择之前要明确知道结果,并且确定结果是自己可以承受的就好!相关的主题文章: