Bank interest can be said to be the most stable passive income. Although its income is not in the forefront of financial management, its stability and safety are definitely in the forefront. We all know that interest = principal * annual interest rate. When your principal is enough, it becomes a very realistic thing to eat on interest. The fixed annual interest rate of the bank is 2.75%. When you have 1 million, you can earn 27500 a year.
Of course, when I have1000000, I certainly won't deposit it all on a fixed term. If I choose the same stable national debt, the five-year interest rate is 4.27%, that is to say, if I buy a national debt of/kloc-0.00 million yuan, I can get an annual interest of 42,700 yuan, equivalent to a monthly income of 3,558 yuan!
Second, P2P/ private lending
In terms of stability, P2P is not ranked second, but because its interest algorithm is close to bank deposits, I put it in the second place. If the expected annualized income is 8.8%, or take 1 million as an example, you can earn 88 thousand a year, which should be enough to support a family of three in the second, third and lower cities, right?
But P2P is risky, so we must choose the right platform in the face of P2P. It is also facing a new round of big waves. I believe that in a few years, the rest should be relatively better. But it will also adjust its rate of return with the big economic environment. That's understandable. Wonn't Yang Ma keep cutting interest rates?
Private lending is actually the same as p2p. Generally speaking, the annual interest rate of private lending will be around 12%. Private lending will face the problem of running away. Some of my colleagues have had this experience, so we must keep our eyes open and pay attention to controlling risks!
Three. Stocks/funds
If stock funds are short-term speculation, I think it is not enough to count as passive income. Because in the short term, there may be ups and downs. From the second half of last year to the second half of this year, it has basically been in a wide range of shocks. Short-term speculation is time-consuming and laborious, and it will also lose money.
Its charm lies in long-term investment, which can earn profits or dividends through long-term growth, and this is also considered passive income. I once heard a joke about an old American lady. She usually likes to go to the supermarket. She will pay attention to which daily necessities sell better, and then buy its shares every month. After a few years, it is said that the market value has been considerable!
What does this example show? Explain that you should invest in funds and stocks for a long time, and also explain that if you decide to choose long-term investment, you can learn the real situation of some listed companies through your own channels. This is better than reading statements in some cases. Just buy it, there will be a reward in the end!
Fourth, the real estate charter
Is it every woman's dream to be a happy charterer? Yeah, I think so. I want to have twelve houses, and I can charge rent for one year every month. Think about it.
If you have real estate/shops/office buildings, etc. You can rent them. This is absolutely profitable, and one-time investment can bring decades of returns! If I had bought more sets a few years ago when the property was not so expensive, my dream would have really come true now. But I don't have that vision!
In fact, it is not only real estate that can be rented, but also cars. Idle desktop computers may be rented to some hotels. As long as the brain is wide open, all idle things can be rented, right?
Verb (abbreviation of verb) entity investment
This article may need more funds. When you have some projects around you or some enterprises need to invest in shares, you can consider it. At least you can sign a fixed dividend contract, and it is also a good thing to make a profit every year!
There are only franchisees and branches, and every time you open a store, you will be given a certain franchise fee every year. Do you also sit and collect money? A certain group has such a proprietress who has opened more than 30 tea shops. Maybe we just envy others' achievements now, but at the beginning of our business, we must have superhuman vision and courage!
Many people who do business by themselves are ultimately unsuccessful. Just know more when choosing!
Intellectual property rights of intransitive verbs
The children of my most admired colleagues have been particularly interested in computers since primary school, mainly software. I set up my own website when I was in junior high school, and by the time I graduated from high school, I had tens of thousands of members. Some members pay membership fees, buy software and some advertisers advertise. It is said that his website earns more money than his parents' total income (dad is a foreign company executive). It is knowledge that changes fate!
Another is to be a well-known blogger or publish a book. As long as the books sell well, the income will continue. You can also own your own patents and patent licensing fees, which are also considerable.