有哪些理财方式让你可以躺着收钱?!

作者: 发布时间:2017-12-09 17:18:40  来源: [手机访问]
导读: 理财方式千千万,每个人情况不一样,想要获得针对的回答,的确需要具体情况具体分析,不过接下来我还是随便推荐一些我熟悉的产品,各位客官随便看看就好,有满意的
有哪些理财方式让你可以躺着收钱?!

理财方式千千万,每个人情况不一样,想要获得针对的回答,的确需要具体情况具体分析,不过接下来我还是随便推荐一些我熟悉的产品,各位客官随便看看就好,有满意的自行抱走。

1.余额宝类似宝宝:余额宝本质是天宏余额宝货币本质上是一款货币基金,微信理财通亦是如此。

货币基金的出现,将安全性、流动性和收益性有机的集合在了一起,使人们在安全性极高的前提下获得还不错的收益。较余额宝有部分优势的还有其他几款产品。

2. 可转债基金:可转债的优势极其简单,下有保底,上不封顶。熊市类债券,牛市换股票的两头赚钱方式,使得可转债非常难亏本,而国内最老的可转债基金兴全可转债,成立10年多累计收益率382%,年复利15%左右,表现非常稳定,可以说是长期投资者的优秀选项。注:本回答推荐的是可转债基金,而不是直接标的的可转债,且是推荐长期持有。作为标的的可转债,没有足够投资经验和非市场专业人士还是不要碰了。

3.信托:中国的信托目前已经变了味道,已经变成除了银行外的具备合法放贷款的金融机构,通俗的说就是放“高利贷”的。这一轮信托的发展主要是受四万亿的刺激,房产基建大发展,而房地产是银行限制贷款的行业,于是房地产纷纷向信托融资,信托迎来大爆发。

2008年-2012年,是信托发展最黄金的时期,也是投资信托最好的时机,那时信托动辄13%的收益,还几乎没有违约,性价比极高。

近几年信托的收益逐年降低,从三年前的最高的17%到17年平均收益只有7%,收益率降低幅度很大。信托的投资期限较长一般为1-2年,起投金额100W投资金额较大,目前性价比已经不高了。

4.特定的P2P项目:P2P风险高不高?相较于市场上大部分产品来说,必须高啊,但是作为行业的前身,民间借贷如此多年,违约事件似乎也不是天天可见。因此我很赞赏在知乎里另一位朋友对P2P贷款,以垃圾债的思维做风险覆盖来投资。不过我们今天还是针对普通投资者来个接地气的答案,这就是人人贷的U计划。根据时间长短,收益为7%-11%,风控较普通投标更严格,且近似以平台信用担保,有托管方,较高的收益,可以说是P2P中少数的好产品。注:无论在任何情况下,P2P都是高风险投资,因此切忌投资太多,切忌切忌。

5.国债,企业债逆回购。这是超短期资金的最好去处,如果你今天有人借你10亿,但是只允许在你账户上呆一天,第二天就还钱,那么在余额宝都不能为例的情况下,逆回购给了你单日最大收益的机会,当日资金轮转带收益的特性,使得逆回购有极强的流动性。另由于利率和市场利率一样在日内波动,虽然在大部分时候逆回购收益率不如别的产品(略低于或高于余额宝类产品),但是在特殊事件(例如钱荒)、特殊时点(半年末,年末)会有一些远超其他产品的短期收益可能,所以逆回购是一个良好的理财补充门类。

最后说一句老生常谈:理财有风险,投资需谨慎。

有哪些理财方式让你可以躺着收钱?!

理财投资

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'理财方式千千万,每个人情况不一样,想要获得针对的回答,的确需要具体情况具体分析,不过接下来我还是随便推荐一些我熟悉的产品,各位客官随便看看就好,有满意的自行抱走。1.余额宝类似宝宝:余额宝本质是天宏余额宝货币本质上是一款货币基金,微信理财通亦是如此。
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