Moreover, compared with the assets of most middle-class families within 6,543,800 yuan, the amount of 5 million yuan is huge, and their financial thinking should be sound. It is not recommended to invest all in high-risk areas, such as buying stock funds or stocks, which is too risky. Finally, 5 million yuan belongs to the discounted cash of fixed assets, and its opportunity cost is high, that is to say, if you continue to hold the property, you can still have some value-added or rental income; Therefore, it is not recommended to deposit 5 million yuan or buy government bonds, nor to invest in areas that are too conservative and have low yields, otherwise the loss will outweigh the gain.
Under the above constraints, there are three schemes to consider: Scheme 1: Steady financial management and diversified allocation.
Target return on investment: above 7%
In the case of uncertain investment market prospects, not putting eggs in one basket is a wise financial choice with less risk.
The current assets of 5 million yuan belong to the "patent" of wealthy buyers, which is more suitable for adopting a stable financial management style, and can be invested in the field of stable and enterprising products at the equivalent ratio of 1 to 1.
Aggressive wealth management products, you can buy 6,543.8+0,000 yuan of hybrid funds, 6,543.8+0,000 yuan of stocks, and 6,543.8+0,000 yuan of partial stock funds. All kinds of products are selected with balanced investment style and blue-chip mainstream investment varieties. The stock market has obviously picked up this year. It is expected to get out of the shock and give 50% relevant allocation. Long-term investment of 6~ 12 months should pay off.
For stable investment products, you can choose 6.5438+00,000 yuan trust products, 800,000 yuan partial debt funds and 200,000 yuan bank wealth management products. Trust products with suggested investment period 1 year, good historical reputation and relatively stable projects; In the era of low interest rate monetary policy, the yield of 20 13 partial debt funds should also be high, the style should be stable, and a higher share should be allocated.
After the above distribution, the deposit of 5 million yuan should be able to get a yield of more than 7% within 1 year, which can overcome the inflation rate and give consideration to risks and benefits. Option 2: Invest in two small and medium-sized houses in Wang Di.
Target rate of return on investment: the rent is 3.3%, and the real estate appreciation is about 10%.
Mr. Wang's 5 million comes from residential real estate and can continue to invest in real estate. This is because: with the economic recovery, the real estate market demand is strong, and in the long run, its appreciation potential should be greater and its value preservation should be stronger.
Recently, in the Shenzhen market, it was found that the residential rent did not rebound, and the average yield of the whole city was around 3. 1%. If you buy enough places and have 5 million cash in your hand, buying two small-sized apartments for rent is obviously higher than buying a large-sized apartment for rent. The rental return rate can reach between 3.3% and 3.4%.
The data shows that the current rent increase in Shenzhen still has not "outperformed" the price increase. Because the rental rate of return on investment in the property market is not high, what we really need to consider is whether there is room for appreciation of the property during the lease period.
"It is estimated that in the next two years, the appreciation space of Shenzhen real estate will be around 15%." But in the current situation, investing in real estate also has its own risks. "The biggest risk is the property tax." If Shenzhen really levies property tax, it may increase the holding cost of investment property. As the specific details of the property tax are undecided, it is expected that it will be targeted at properties with a large number of sets or a large property area. Therefore, from the perspective of avoiding property tax, it is more appropriate to buy small and medium-sized units. Option 3: Grab a "reliable" trust product.
Target investment rate of return: 8.5%~ 1 1%
Trust investment is also an ideal investment direction for current assets with a starting point of more than 6,543,800 yuan, because the rate of return is higher and there are more choices for investment period. "Now is still a good time to buy a trust." Li Wenhao, an online financial planner of CICC, although the yield of trust has dropped by more than 1%, compared with other investment channels, trust is still a better choice for cautious investors. At present, the threshold of trust products is more than 3 million yuan, the annual income of/kloc-0 is about 8%~9%, and the two-year income is about 8.5% ~ 11%.
But the liquidity of trust products is poor. Generally, the right of early termination lies with the financing party, and only a few products can be terminated by investors in advance. Before investing, investors need to have an expectation and evaluation of the time of their own funds. At present, reports on the redemption risk of trust products frequently appear in newspapers. However, if there is a problem with the payment of a trust product, the regulatory authorities will ban the subsequent product issuance, so the trust company will try its best to pay it.
How to choose trust products to avoid risks?