How to invest 65438+ 10,000 yuan to earn more?

654.38+ 10,000 yuan, for most people today, there is such a savings on hand. With money, you can consider its use-how to invest 65438+ 10,000 yuan to earn more money?

Elaborate on the current investment methods, nothing more than financial investment, fixed assets investment, entrepreneurship; Combined with different investors, investment methods can be divided into conservative, steady, active and radical.

In order to maximize the investment income of 654.38 million yuan, there are two necessary conditions:

First, find a stable and sustainable investment path.

Second, insist on investing in the right path.

Below, we will combine the current investment environment and analyze in detail how to do these two points.

Considering the limited principal of 654.38 million yuan and the already high real estate price, the investment in fixed assets represented by real estate is not the best investment opportunity now. Li Ka-shing also saw this, and he kept selling properties in China.

In addition, for most people, starting a business is not realistic. At present, the whole market economy is uncertain, and it is more difficult to start a business. Without rich investment management experience, it is more reliable to find a job.

Apart from investment in fixed assets and entrepreneurship, only financial investment is the only way out. For financial investment, it is recommended that most people choose compound interest investment.

Compound interest refers to the interest-bearing method of calculating the interest generated in the previous interest-bearing periods in the next interest-bearing period in addition to the interest generated by the fund principal. As long as you have a clear life plan and long-term patience, compound interest will lead you to real success.

Compound interest effect: If you have 1 0,000 yuan in hand, take Huajin's annual investment in Gome Chinese Finance as an example, and the previous annualized income was 10%. After one year, you can get 1 0,000 yuan regardless of simple interest or compound interest, and the total principal and interest is 1 654,38+0,000 yuan; In the second year, if the interest is calculated by simple interest, the total principal and interest in the second year 1200 yuan; In the second year, if the interest is calculated according to compound interest, the total principal and interest will be 12 10 yuan. With the passage of time, the difference between simple interest and compound interest will become bigger and bigger.

Actual case: Zhao Nvshi, a white-collar worker of the company, invested in Gome's Chinese financial platform for three years by means of compound interest investment, and the annualized rate of return in the past can reach 10.0%. Using the interest calculation method of matching principal and interest and compound interest investment, the interest income in the first year is 5,499.06 yuan, and the total principal and interest is 65,438+005,499.06 yuan; The interest income in the second year is 58,065,438+0.44, and the total principal and interest is 65,438+065,438+0,300.44; The interest income in the third year is 6,000 120.45, and the total principal and interest is117,420.45.

If interest is calculated by simple interest, the interest income after three years is 16, 16 1.84, and the total principal and interest is 1 16,1.84. The income difference between compound interest and simple interest is117,420.45-116,1.84 =1258 yuan.

By comparison, we can know that simple interest and compound interest are two different ways to calculate investment interest. Simple interest refers to the interest calculated according to the fixed principal, which is a method of calculating interest; Compound interest means that in each interest period, the interest of the previous interest period is converted into interest-bearing principal, that is, interest is generated by interest, so it is also commonly known as "rolling interest". With the continuous increase of investment time, the actual amount earned each year is also increasing.