65438+ million spare money and what business do you have?

Excuse me, how to manage money with 65438+ million spare money?

Today, we will answer your questions.

Bian Xiao of this station replied:

There is still a lot of spare money of 65438+ 10,000. If it is distributed, the final income should be ideal. If it suits you and the principal is safe, you can try more. After all, if you haven't bought it before, you may not have a concept of various types. By the way, what do you mean by "suitable for you" is what are the requirements for the liquidity and closure period of funds. For example, before buying wealth management, the liquidity requirements were relatively high, and later I bought the light silver cash of Everbright Wealth Management, which was very convenient. I can apply for redemption every day and get it at any time without worrying about emergencies. This liquidity is quite good.

Now the reliable and profitable business introduction 1, the car beauty business is very profitable, and now many families basically have their own cars, so this is also the reason why the car beauty business has become very good, especially in some big cities, the car beauty business is particularly hot, but the cost is actually very low. 2. Open a Taobao shop. Nowadays, many people are opening a business, but if they start their own business, it is ok to open a product with less competition without a team and funds. We can still find it if we try to find it. The fruit business is very profitable. Now people's living standards have been effectively improved, and many people eat fruit. Generally speaking, it is better for us to open a fruit shop near the community, which can often make our business very good. 4, making snacks or breakfast shops, these may be a little tired, but the income will never be low, because most people don't care about this, and the capital investment in this area will not be great. Tens of thousands of dollars can be done early, but the income return can catch up with the work. 5, open a milk tea dessert shop, find a good location, the business is still good. Now many cities are developing and building, and some new schools have been built, which can seize the good position around the schools. Generally, the store rent is not very expensive at first, and the investment will not be great, but once the school is built, there are still many students. 6. Produce green organic agricultural products. Now many college students have returned to their hometowns to start businesses. Because people are increasingly insecure about food safety, they will not be very economical in food investment. For example, some people are raising bees and mushrooms, which are basically in short supply. Children's industry 1, maternal and infant panda baby maternal and infant industry is definitely the first profitable industry I want to propose. If you think that the maternal and child industry is just buying milk powder, it is all wet! The milk powder industry has become saturated, coupled with the "black-hearted milk powder" time, the milk powder project is not recommended for everyone to try. The extension of the maternal and child industry is eye-catching but has great potential. 2, early education At present, the early education brand is doing well. There are many brands: such as Youbeile Early Education, Building Block Baby Early Education and so on. Early education! This is definitely a profitable business. All profitable projects have one thing in common, and they are all supported by policies. With the opening of the second child policy in China, early education projects will surely attract much attention. China has always had the idea that "no matter how hard you suffer, you can't be poor in education". In addition, in the face of increasingly fierce competition in life and study, many parents have great expectations for their children. Who doesn't want their children to become successful people? Parents don't want their children to lose at the starting line. They are the most determined to spend this money on children.

People who have no experience in stock trading and investment funds have 65438+ 10,000 spare money. Do you want to buy funds or stocks? My suggestion is to buy a fund. Buying funds and trading stocks are both investment behaviors involving the capital market. Both thresholds are very low, and financial management can participate, but the profitability is very different. For stock trading, 80% of investors are losing money; When buying a fund, the proportion of money will be as high as 60%. Obviously, it is safer for people who have no experience in capital market investment to buy a foundation. The specific analysis is as follows:

1. Comparison between the performance of Shanghai Composite Index and that of equity funds

As a very important index of China A shares, the Shanghai Composite Index is regarded as the representative of China stock market. So, what is the performance of the representative Shanghai Composite Index? We hit a high of 6 124 in mid-June 2007, and the performance of the Shanghai Composite Index was really disappointing. 14 years later, the Shanghai Composite Index is still "halfway up the mountain" and fluctuates above 3500 points. The Shanghai Stock Exchange Index represents the China stock market. The performance of the Shanghai Stock Exchange Index shows that most investors have not made any money and are still at a loss.

So, what about the performance of equity funds? Judging from the current fund net value, most active partial stock funds have surpassed the high point in 2007. Among them, 105 active equity funds achieved a return of more than 100%, and the return of 3 products exceeded 400%, with the highest of 422%.

By comparison, it is not difficult to find that the Shanghai Composite Index has halved and the fund's increase has doubled. This phenomenon can be explained as follows: for ordinary people, buying funds is better than stock trading.

Second, how does the fund Xiaobai buy the fund?

People who have no experience in fund investment should be particular about buying funds. First of all, we should allocate investment, including the allocation of funds and the allocation of fund types. It is suggested that 6,543,800 yuan of spare money be divided into two 50,000 yuan, 50,000 yuan to buy enhanced bond funds and 50,000 yuan to buy partial stock hybrid funds. The former has little risk and can obtain relatively stable income; The latter is risky, but it can get higher returns. Through this configuration, we can reduce the overall investment risk and get higher returns at the same time.

Secondly, when you buy a fund for the first time, you should pursue a good experience, that is, focus on "making money" instead of coveting high returns. To this end, we should set a small profit target for ourselves. It should be noted that this small goal should be set for each fund. For example, if you buy three funds, you must set a small profit target for all three funds. To achieve the profit target, we must resolutely sell and achieve a good experience while achieving stable income.

Why emphasize the good experience of "making money"? Because the experience of making money is good, there will be continuous interest in investing in funds. If you lose money when you buy a fund for the first time, your first impression of the fund will be bad. This impression will make you stop investing in funds, thus losing the opportunity to participate in and share the long-term growth of China's capital market. This is very unfavorable to increase the property income of individuals or families.

Answer hello! I hope the following answer will help you: 1. More and more people drive the internet to get a car. When they don't have a job, they often choose not to work in the company, but to become a network car driver and realize their skills. Nowadays, online car rental has occupied most of the weight in the car rental market. If you have a car and have no job, you can choose to be a network car driver. If you want to be an online car driver, you need to meet certain conditions and register online. Even on the way to work, it is cost-effective to earn some gas money. I don't want to work, but I can do these five businesses. Not very impressive, but the profit is very good. Some time ago, my friend Xiaohua shared her income. Aside from the cost of car rental, rent, meals and gas, there is still 1.5 million left. Although hard, but more than ordinary wage earners. Therefore, when your pockets are empty now and you don't know what you can do, it is a good choice to choose to be a network car driver, which is much better than working. If you don't want to work, you can do these five businesses, but the profit is very good. 2. On-site maintenance In first-tier cities, the demand for on-site maintenance is increasing. White-collar workers usually dig deep into their own fields, and home appliances will not be repaired at all when they encounter problems. Some time ago, the air conditioner at home broke down, so I asked a repairman to come and fix it, negotiated the price at least in 500 yuan, and asked the repairman how much he could earn. Even when I was told that the gross profit margin reached 50%, I found that there was really too much room for making money, so blue-collar workers with technical ability earned more than ordinary white-collar workers in one day. If you want to transform to on-site maintenance, you might as well start from basic work and join a professional company. After receiving training, you can go to work. If you don't want to work, you can do these five businesses, which are not very eye-catching, but the profits are very good. 3. If you have writing skills or video production skills, you can increase your sideline income by doing self-media, such as making short videos or writing to make money. I remember that on 20 18, it was a bonus period from the media, but anyone who can lay out from the media earned a lot of money and the business was very good. My friend earns a monthly salary of100,000. During that time, I made a lot of money and gained a lot of fans, bringing a lot of fans from the media. If you don't want to work, you can do these five businesses, which are not very eye-catching, but the profits are very good. If you like to write or shoot short videos, you can make yourself more and more powerful and make money by the way. For example, many people in Tik Tok are now making Tik Tok windows, cashing in some low-priced goods or making money directly on Tik Tok. No matter whether you have face or talk about capital, as long as you are talented, you can get a place. Others usually like to write book reviews, and gain income by reading and writing their favorite book reviews, such as submitting book reviews on Douban and WeChat official accounts, which can also be quickly realized. If you don't want to work, you can do these five businesses, which are not very eye-catching, but the profits are very good. The above sideline businesses are small businesses worth doing by every ordinary person. They look ordinary at ordinary times, but they are actually quite profitable, at least much better than working. Wish you a happy life! I hope my answer will help you and be adopted by you! Please give me a compliment if it is convenient. Thank you very much I think 42-year-old people don't want to work, and it is out of date to continue to learn some skills, because they don't look for young people in their twenties or thirties, both mentally and physically, so there is a saying that "people in their forties don't learn skills" So what should I do when I return to the countryside at this embarrassing age of 42? I think it's better to do things in a down-to-earth way in the countryside, and don't be arrogant. As for how to do it, the author will elaborate here: First, you can go back to the countryside to do catering. With the continuous development of society, the conditions in rural areas are getting better and better, so when people in rural areas eat, most of them don't cook by themselves, but go to restaurants to order food and rice. In recent years, when some city people go to the countryside to play, it is inevitable that they will go to rural restaurants to eat. So in general, it is naturally a good choice to open a farmhouse in the countryside now. So at the age of 42, is it too late to cook in the countryside? I don't think it is too late. Take my friend as an example: after his family came back from the city the year before last, he rented a concierge in a rural town and started a business of selling breakfast. His breakfast is mainly scones and chaos, which belongs to a small business. According to a friend, the recipe for making sesame cakes was specially learned from a foreign city, and the cost of the recipe at that time was tens of thousands of yuan. Don't look at this small sesame seed cake, but under the careful management of my friend, his business is booming day by day. Because baked wheat cakes and chaos are delicious, people in 2.5 yuan line up to buy them. In this way, one year's breakfast, my friend brought a 200 thousand car for the New Year. It seems that my friend's biscuit business has really made a profit. Otherwise, my friend didn't want to buy a car after working for more than ten years, and put it in the car a year earlier. Doing business by yourself is really much better than working. But on the whole, friends' experience in selling baked wheat cakes can be used for reference, and can't be completely copied, because friends naturally make money by "having the right place at the right time" and operating in good faith. However, I think it's safer to go back to the countryside to do catering business at the age of forty and not go anywhere to work.