Tell me about 200 yuan.

The principal is 300,000 yuan, with 200 yuan's income every day. How to manage money to achieve 200 yuan's account every day?

According to your description, the principal is 300,000 yuan, 200 yuan per day, 6,000 yuan per month, and 7.2 yuan per year; At this rate of return, the annual interest rate is as high as 24%; I really can't find a financial product with an annual interest rate of 24%. Those with such high annual interest rates are high-risk and high-yield wealth management products.

If you put your 300,000 principal in the bank for financial management, you can't realize your dream. The annual interest rate of bank demand is 0.35%, even if the five-year fixed deposit is 2.75%, the annual interest rate of structured deposit or certificate of deposit is between 4% and 5.5%. Bank wealth management products, balance treasure and other wealth management products can not reach your annual interest rate of 24%;

In addition, similar to P2P wealth management products, the annual interest rate is between 7% and 9%, and the annual interest rate of some fixed wealth management products, trust products and bond products is between 9%- 1 1%; None of these can achieve an annual interest rate of 24%, and there is no way to realize the possibility that you can deposit 300,000 principal in 200 yuan every day.

Your principal income is 300,000 yuan per day in 200 yuan, with an annual interest rate of 24%. All I can think of is stock speculation, crude oil speculation, gold speculation, currency speculation and so on. These are high risks and high returns. Only through these high-risk and high-return financial management can the annual interest rate of 24% be realized. The key is to look at your own ability.

These high-risk and high-yield wealth management products make your profit and loss fluctuate greatly. It's easy to spend 2000 yuan a day if you don't say it if you have the ability. On the other hand, you don't have the financial ability, not to mention the income of 200 yuan every day, and you lose 20,000 yuan of principal every day, even your 300,000 principal is gone; These wealth management products are cash machines if they are capable, and meat grinders if they are not. Please think twice.

Through the above, for most domestic wealth management products, only the principal of 300,000 yuan and the annual interest rate as high as 24% can be realized, such as stock trading, gold trading, crude oil trading and currency trading. Otherwise, other wealth management products may not even realize the annual interest rate of 24%.

Finally, send you a sentence: investment is risky, and financial management needs to be cautious; The income is proportional to the risk. The greater the risk, the higher the rate of return, the smaller the risk and the lower the rate of return.

Structured deposits and wealth management products are two different products with different investment channels and risks, but the expected rate of return is not much different. As shown in the above figure, the expected yield of structured deposits with a term of 1 year is only 5%. If you deposit a structured deposit with a maturity of 300,000 yuan, the highest annual income is 300,000× 5% = 1 5,000 yuan, while the expected yield of wealth management products with a maturity of about1year is about 5% ~ 6%, which still does not meet this question. What is even more irritating is that both structured deposits and wealth management products have certain risks, and the final income may not be distributed according to the expected income.

As for Internet financial management methods such as funds, stocks and P2P, their expected rate of return is flexible, and it is not a problem to lose several times a year at most, but are you willing to bear the risk of losing all 300,000? Moreover, in the current environment, P2P, funds and stocks are all risky investment methods. I don't say that 100% will lose, but it is no exaggeration to say that 90% will lose!

Although his words may not be applicable to all financial management methods, one thing is certain: the financial management method with an expected rate of return higher than 6% is bound to be a high-risk financial management method. Besides, the income is directly proportional to the risk. I believe everyone should know how risky the annualized rate of return is in financial management!

Money can always make money, the key is how you invest it. Moreover, to put it bluntly, 200,000 to 300,000 is a bit too little, and the interest paid by the bank is stable, but the interest is too low, with a maximum of more than 10,000 points a year. Stock trading is profitable, but risky. If it turns green, it's not worth the loss.

In fact, if the subject is not too lazy, you can invest in a more reliable industry, such as tea shops and hot pot restaurants, which is much better than your financial management. But this is just a suggestion, it still depends on whether you have a business mind.

To put it bluntly, if you only rely on financial management, it will not increase much. The key is principal+intermediate operation+labor (mental and physical) = income. Money in hand is money. Right?

The principal is 300,000 yuan, and the daily interest is 200 yuan. 365 days a year, the total annual interest income is 73,000 yuan. Need to achieve an annual interest rate of 24%. Such a high capital preservation and stable annual interest rate are not available in the normal channel market. In short, some thoughts on financial management:

First, low risk, bank financing.

At present, the interest rates of three-year time deposits of banks and big banks: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and China Bank are around 3.2%. National joint-stock banks: hundreds of banks such as China Everbright Bank, China Guangfa Bank, China Merchants Bank and Ping An Bank, with a three-year term of 4. 1%, and local banks: Jinzhou Bank, Wuhan Bank and local credit cooperatives have deposits of about 5%.

These interest rates are much lower than 24%, but the risk factor is very low.

Second, medium risk, Internet finance.

Internet finance has many wealth management products above 5%, such as the bank selection of Jingdong Finance, and these risk factors are still relatively low.

And those products with high interest rates account for 8%- 15% of P2P financing, which is more risky and more importantly, there are too many uncontrollable factors.

Third, high-risk funds and stock markets.

Securities funds, such as index funds and CSI 500 funds. These funds will make money when the index rises or the stock rises and lose money when it falls.

The same is true for buying stocks in the secondary market, depending on personal ability.

Summary: Income and risk are in direct proportion, and there is no high-yield product with guaranteed capital. You are looking at the interest, others are looking at your principal.

People 10000 yuan in the bank for a year 100 yuan, you want to earn 200 yuan just for 200000 yuan a day? Be careful to pursue high returns, even the principal is gone!

If you want to earn 200 yuan in one day, you will earn 73,000 yuan in 365 days. Even if you have 300 thousand, the annualized interest rate is 24.3%

Are there any wealth management products with annualized interest rate as high as 24.3% on the market at present? Yes, but it's very risky!

For example, the following funds:

The highest rate of return of this fund can reach about 65%, much higher than your expected rate of return of 24.6%, but at the same time, we should also see that the interest rate of this fund has been at a low level for a long time in recent years, and it is even in negative growth at present. Therefore, this high-yield product is often accompanied by high risks. You may get a high income for a while, but you may lose all the principal at any time.

At present, several kinds of your products are popular in the market:

The first is bank deposits.

At present, bank deposit is the safest way to manage money. At present, most banks' interest rates are below 4%, and some banks' five-year deposit rates can reach more than 5%. The interest of 300,000 yuan a year can be about 6.5438+0.5 million yuan, and the interest of one day is 4.65438+0 yuan, which is about 654.38+0 yuan less than your expected 200 yuan.

The second is the money fund.

At present, the overall rate of return of the money fund is not very high, and the annualized income is around 3%. 300,000 yuan, you can get about 9,000 yuan a year, with an average of 24.65 yuan per day, which is less than you expected 176 yuan.

The third is bank wealth management products.

At present, the income of most bank wealth management products is between 4% and 7%, so we take a median of 5%, so the income of 300,000 1 is 1.5 million, and the average daily income is 4 1 yuan, which is about less than you expected.

The fourth is p2p.

At present, p2p is relatively high, and the annualized income of each platform ranges from 6% to 20%, and some platforms can even reach more than 25%. However, the annualized income exceeding 12% is basically risky and may break out at any time, so we take a relatively safe income level 10%, and the annual income of 300,000 is 30,000.

Then why should I list these financial management methods for you? Only tell you one truth, at any time, high risk is bound to be accompanied by high income, and may even be a liar. Relatively safe wealth management products have relatively low returns, and low risks and high returns cannot be achieved at the same time.

Let me give you a real example. I contacted a client before. He saw a wealth management product of * * * charging treasure from an official WeChat account. This * * charging treasure project claims that the daily income can reach more than 0.8%, and then this friend invested 20,000. As a result, he did get 1 120 yuan in the first week, but the money didn't hit him. It just shows in his app account that this friend added another 30,000 yuan investment after tasting the sweetness, with a total investment of 50,000 yuan. As a result, a month later, his app couldn't get on, and then he found that this so-called financial platform didn't even have a official website. Only then did I find out that it was a fraud platform. So far, although he reported to the police, 50,000 yuan has not been brought back.

Therefore, when managing money, we must take risks seriously. At any time, high returns are bound to be accompanied by high risks. The return within 5% of the principal is relatively safe. For 5% to 8%, the loss of income must be considered. For 8% to 12%, part of the loss of the principal and the yield exceeding 12% must be considered, so all risks that the principal cannot be recovered at any time must be prepared.

In short, financial management is risky and investment needs to be cautious.

You can buy online lottery tickets, and the general rate of return can reach 97%, which is equivalent to doubling.

Don't vote for 400 every time you vote for 200. If you don't win, it will be 800,1600,3200,6400,12800,25600,512400. Otherwise, you won't have money to double your vote here.

In fact, if you miss the fifth time, you should pay attention. All kinds of positive and negative elections should be random. The probability of not gambling ten times is11024, but if you play every day, the probability of losing all in three years is greater than one.

If you are lucky, you can win every time. Your three-year income is 200*356*3*0.97, which is equal to 207 192 yuan, which is equivalent to doubling the principal income, but the probability of your failure is infinitely close to 100%. It will take you three years to gamble on such a big risk.

So you might as well play poker directly, the probability of winning is 50%, and it saves time.

I am a dark horse. Let me answer this question.

The principal is 200,000-300,000, let's say 300,000. If you earn 200 yuan every day, your annual income is 73,000 yuan; This is a lot of money. A person's salary in a small and medium-sized city for one year is so much money without eating or drinking! Look again, your principal is 300,000 yuan, which is equivalent to the annualized interest rate of 7.3/30=24.3% for one year. This annualized rate of return is really high, far higher than the general wealth management products on the market!

For example, if the time deposit in the bank does not exceed 3%, it will not be said if the current demand is lower; Even at 3%, the annual income of 300,000 yuan is only 9,000 yuan, less than one-eighth of 73,000 yuan. Even if you buy trust financing, the annualized income is generally lower than 10%, less than half of 24.3%; Therefore, if you buy these conservative wealth management products, it is impossible to achieve the monthly income target of 200 yuan!

Conservative financial management is impossible, but it depends on whether you can do it well! As we all know, high risk will inevitably lead to high income, and low risk will lead to low income; If you pursue stability, you can only choose low-yield products; If you pursue high returns, you can only choose high-risk products!

For example, stock trading, we know that the whole first quarter of 20 19 is a small bull market; If you choose to buy stocks at the beginning of the year, unless you are unlucky, as long as it is not too bad, the income is basically around 30%. After all, the market rose by 30% in the same period! Or, you can get high returns by buying funds at the beginning of the year. Don't worry, let the financial manager help you. This is the stock market, and there are many opportunities in futures, foreign exchange or international gold and crude oil markets. Skilled words, 300 thousand, not to mention the income of 200 yuan a day, it is very possible to do well. However, as we said before, high returns are often accompanied by high risks; If you choose high-risk products such as stock trading, foreign exchange speculation and futures speculation. If you are not skilled and have a bad attitude. Don't say 200 yuan's income every day, let alone double it; It is estimated that the biggest possibility is to turn over the window. 300,000 yuan is really not much in these markets, and it will be finished in one day.

Therefore, when choosing wealth management products, it is best to suit yourself; If you blindly pursue high returns, it will often backfire. In the end, you are not making money, but playing with the principal.

Therefore, if there is a 200,000-300,000 in hand, conservative wealth management products will definitely be difficult to achieve; It's not difficult for high-risk products to earn daily income in 200 yuan, but you should consider your own risks and be responsible for your own funds!

There are indeed some young people who are not enterprising and dream beautiful dreams every day. Even if you have 300,000 yuan in your hand, you can only earn 30,000 yuan a year at the interest rate of 10%, which is an average of 82 yuan every day.

If you want to earn 200 yuan in one day, the annual interest rate needs to be at least 24%. Even our P2P financing can give 10% to 15% interest.

Now tell me what kind of financial management can yield 24% a year? And you can pay interest every day.

If that's the case, I can't think of any other way to manage money besides pyramid schemes.

Of course, formal financial management methods are not without, such as stock funds or buying stocks. If there are several daily limit boards. It's easy and can be done, but after all, it's too risky. For most people, it is easy to reach the daily limit without reaching the daily limit, and they are immediately locked up.

Another daily limit after the daily limit is not a draw, but also a loss 1%. Do you know that?/You know what?

Guo Shuqing, chairman of the China Banking Regulatory Commission, pointed out at the Lujiazui Forum that when the income exceeds 6%, you should put a question mark; It is dangerous to earn more than 8%; If the income exceeds 10%, it will bear the risk of principal loss.

Don't be greedy, especially in financial management. Under normal circumstances, our family income is divided into four parts, daily expenses, accident prevention, high income and long-term security.

High-yield investment should use your best financial management method, if you have little contact with financial management? Or buy a structured deposit or a large deposit, 200,000 to 300,000, and generally have a return of 4%. If you are lucky, it is not bad to find a small and medium-sized bank that is short of money and can give a 5% return.

Seeing this topic: 200,000 to 300,000 yuan to earn 200 yuan a day, Jin feels that things are not that simple. Isn't it difficult to manage money? In any case, it is difficult for the principal of 200,000 to 300,000 to reach the daily income of 200 yuan! The difficulty lies in two points: 1, high yield, and 2, stable daily income.

The principal is 200,000-300,000 yuan, but the daily income is 200 yuan, that is, the annual income is 73,000 yuan, so the annualized interest rate is 24.33%-36.5%. What does this annual interest rate mean? The annual interest rate of the existing regular wealth management products with the highest income is around 20%, and some of them reach 24%. More than 24% is rare and the risk is extremely high. If you are not familiar with it and there is no financial check, it can be said that losing money is a common occurrence.

Generally speaking, bank deposits range from 0.35% to 5%, and the term varies from flexible to 3 years and 5 years. This is the safest way to manage money.

Fixed investment funds, etc. , can reach 6%, but we must confidently choose the fund type to see who is operating the fund. The income of such products is floating, and the income can not be guaranteed at once. Most wealth management products such as brokers and bonds also have 6% income, but the income is not guaranteed;

The revenue of P2P platform that broke out frequently before can reach 10% or even higher, and the risk is not high, but it is precisely because of this that P2P is in chaos. Now that government supervision is in place, investors can study on their own, and choosing a reliable platform can still guarantee the income.

Wealth management with a yield higher than 10% is already a high-risk product, so you need to worry about whether you will lose money at all times. Both stocks and foreign exchange are high-risk financial management. You can see someone doubling overnight, and you can also see someone leaving. Everyone made a profit in the bull market and lost a dog in the bear market. To sum up, it should be around 20%. So we can imagine how difficult it is to earn 200 yuan at an annual interest rate of 24.33%-36.5% a day!

If the money is deposited in the bank, the annual interest rate of 300,000 certificates of deposit is 4.5% or even 5%. After one year, you can get 1.35 million yuan, with an average of about 37 yuan per day, but you can only get interest after one year expires. Within one year, 300,000 principal is not with you, and you can't get interest every day.

If you put a balance treasure of 30,000 yuan, you can have 2 yuan a day, 300,000 yuan a day and 20 yuan a day. Actually, it's not bad, but it's hard to imagine that 300 thousand yuan wants a stable income of 200 yuan a day.

Stock trading and foreign exchange earnings are very high, but it can't be said that they can be stable in 200 yuan every day, but sometimes they earn and sometimes they lose, and finally they are combined to calculate earnings. There are basically no wealth management products with stable income. Except for deposits, all wealth management products can't protect the principal and interest, and more income means greater risk. This is an unchangeable law of investment and financial management.

Suppose you have 300,000 yuan. If you can earn 200 yuan a day, that is, the daily interest rate is 0.07%, which translates into an annual interest rate of 0.07%×365=24.33%!

Wealth management products are generally stable at around 5%, as Guo Shuqing, chairman of the China Banking Regulatory Commission, said: "In the process of cracking down on illegal fund-raising, we should try our best to make people realize that high returns mean high risks. If the yield exceeds 6%, there will be a question mark. More than 8% is dangerous. If it exceeds 10%, it is necessary to be prepared to lose all the principal. "

Although this is aimed at illegal fund-raising, it also helps us to measure the reasonable rate of return of wealth management products. If it exceeds 8%, you should be prepared for the risk of possible losses. Therefore, it is impossible to achieve an annualized income of 24.33% by buying wealth management products.

You can consider high-risk investment, such as stock trading, but unless you are a stock god, it is basically impossible to have stable income every day.

When investing, you should take a long-term view and not think about the return every day. You can think in another way, "If you don't make money today, you will earn 400 tomorrow", "If you lose 100 today, you will lose 100 tomorrow, and you will earn 800 the day after tomorrow" ... The result is the same as you want, but you should learn to delay your satisfaction and learn to be in the darkness before dawn.

In addition, it must be reminded that high-risk investments should minimize non-market risks, such as foreign exchange. There are market risks, but policy risks are more important. The state does not allow them. In addition, there are many foreign exchange scams in the market. If you are involved, even if you persist in the darkness before dawn for 65,438+000 years, it is useless, because these scams are set to not bring you dawn.

You should ensure that your market is compliant and regulated!