will not the central bank will continue to cut interest rates 中南民族大学选课系统

Financial management is on the way: how can ordinary people improve their passive income? Sohu financial active income means that you have to work, to work hard to have income, once you stop, income will stop. For example, your work and salary, today’s work, today has a salary collar, and tomorrow resigned at home, there will be no wages. This is active income. Passive income is the amount of income you can get without paying too much time and energy. And when your passive income exceeds your living expenses, you’re even financially free. So, for ordinary people, passive income can start from what? A bank, bank interest rate bonds can be said to be a passive income is the most stable, although it is not ranked in the forefront of the financial benefits, but the stability and the safety of it must be the most front. We all know that interest = principal * annual interest rate. When you have enough capital, it’s a very realistic thing to eat on interest. The bank regularly is 2.75% a year, and when you have one million, you can have 27500 interest each year. Of course, when I was one million, I will not go to all the deposit if I choose is also very stable bonds, five year interest rate is 4.17%, that is to say if there are one million to buy treasury bonds, can obtain the annual interest is 41700, equivalent to 3475 yuan in revenue every month! With clear water as the representative of the @ dew, especially in government bonds, earnings management in August people’s water dew: 14923.97 yuan a month yields twelve thousand. If I had so much, I would quit my job immediately, haha… Two, private lending from P2P stability, P2P risk is actually quite high, it is less than second, but because of its interest and algorithm with bank deposits relatively close, so I put it on the second. With savings assistants, for example, the expected annualized return is 8.8%. Still in one million as an example, every year can have an income of 88000, the number of maintenance of a family of three in the two or three line of the city and the life should also be sufficient? But the risk for P2P, as we all know, some of the big P2P platform to run away, many investors chase money Wulu, so now in the face of P2P was also to be cautious. It is also facing a new round of it mighty wave crashing on a sandy shore then after a few years, I believe, the rest should be relatively better. But it will also adjust its own rate of return with the large economic environment, this is understandable, will not the central bank will continue to cut interest rates? Private lending is the same as P2P, and private lending, in general, annual interest rate will be around 12%. Private lending faces the same thing. My colleagues have experienced this, so you must polish your eyes, pay attention to control risks! Three, stock funds, stock funds, if the short term speculation, I think it is not enough to be passive income. Because in the short run, it may be up or down. From the second half of last year to the second half of this year, basically one!

理财在路上:普通人可从哪些方面提高被动收入?-搜狐理财  主动收入是指你必须要付出劳动,付出努力才有的收入,一旦你停止,收入也就停止啦。比如你的工作和薪水,今天上班,今天就有工资领,而明天辞职在家了,就不会有工资啦。这个是主动收入。   被动收入是指你没有付出太多时间和精力,就可以获得的源源不断的收入。而当你的被动收入已经超过你的生活开支的话,你就算是达到了财务自由。   那么对于普通人来讲,被动收入可以从哪些方面入手呢?   一、银行利息 国债   银行利息可以说是最稳定的一种被动收入,虽然它收益在理财中排不在前列,但是它的稳定性与安全性一定是最靠前的。我们都知道,利息=本金*年利率。当你的本金足够多的时候,靠利息吃饭就成了一件非常现实的事情。   银行定期一年是2.75%,当你有一百万时,每年可以有27500的利息。当然了,当我有一百万的时候,我肯定不会全部去存定期,如果我选择也很稳定的国债时,五年期的利率是4.17%,也就是说如果有一百万买国债,每年可以获得的利息是41700,相当于每个月有3475元的收益!   以@碧水白露 为代表的,特别钟爱于国债,看人家的碧水白露8月理财收益:14923.97元,一个月国债收益一万二。如果我有那么多,我马上就辞职啦,哈哈。。。   二、P2P 民间借贷从稳定性上来说,P2P其实风险挺高的,它排不到第二位,但是因为它的利息算法和跟银行存款比较接近,所以我把它放在第二位。以   攒钱助手为例来看,预期年化收益是8.8%。依然以一百万为例,每年可以有88000的收入,这个数维持一个一家三口在二三线城市及以下的生活应该也算是足够了吧?   不过P2P有风险的,大家都知道,一些大的P2P平台跑路,众多投资客追钱无路,使得现在在面对P2P的时候也要慎之又慎了。它也面临着新一轮的大浪淘沙吧,相信再经过几年,剩下来的应该就是相对更加优质的啦。但是它也会随着大的经济环境而调整自己的收益率,这个无可厚非,央妈不是也会不断地降息吗?   民间借贷其实跟p2p一样,而且民间借贷一般来说,年利率会在12%左右。民间借贷一样会面临着跑路这回事。我有同事就亲历过这个,所以大家一定要擦亮眼睛,注意控制风险!   三、股票 基金   股票基金如果是短线炒的话,我觉得还不足以算是被动收入。因为短期来看,它可能是涨涨跌跌。从去年下半年到今年下半年,基本上一直就是处于一个较宽幅的震荡中而已。短期炒作费时费力,而且还可以赔了进去。   它的魅力在于长期投资,可以通过长期的增长获得利润或者是分红,这个才可以算作是被动收入。以前记得听过一个段子,还是关于美国老太太的,她平常也喜欢逛超市呀,她会注意上市的生活用品哪个卖得比较好,然后每个月就去买它的股票,几年下来,据说市值已经相当可观!   这个例子说明什么呢?说明要长线投资基金和股票,也说明如果决定选长线的话,以自己的渠道去了解一些上市公司经营的真实情况,这个从某种情况下来,要好过看报表。只管去买,终会获得回报!   四、房产包租   当个幸福的包租婆是不是每个女人的梦想?嗯嗯,我也这么想过,我想有十二套房子,每个月都可以收一年的房租,想想就开森呀。   如果你有房产 商铺 写字楼等,都可以出租,这个绝对属于一本万利的,一次性投入,可以换来几十年的回报!如果前些年趁着房产还没有那么贵的时候,多买上几套,现在就真得可以梦想成真了呢。可是我没有那眼光啊!看看@姗姗话题#当包租婆是种什么体验 努力当个幸福的包租婆~ ,我们也只有羡慕嫉妒的份啦!其实可以用于出租的不止是房产啦,汽车也可以出租,闲置的台式电脑可能都可以出租给某些宾馆。只要你脑洞大开,一切闲置的东西都可以出租对不对?   五、实体投资   这一条可能需要投入的资金量会稍大,当你身边有一些项目或者是有一些企业需要投资入股时,可以考虑啊。至少能签一个每个有固定分红的那种合同,这个也是一次投入,年年拿利的好事啊!   还有一些就是开加盟店,开分店,每开一个店都要每年固定地给你交一定的加盟费,是不是也是坐着收钱?一个群里就有这么一位老板娘,开奶茶店已经开了三十多家啦,也许我们只是羡慕别人现在的成就,但是在创业之初,也定有超人的眼光与魄力!   很多自己做生意的人最终也是没有成功,所以在选择的时候也要多加了解才好呢!   六、知识产权   最仰慕的同事家的孩子,从小学开始就对电脑有着特别的兴趣,主要是软件。初中的时候就建立了自己的网站,到高中毕业时已经有了几万名会员。有会员交会费,购买软件,也有些广告商去做广告。据说他的网站赚得钱已经超过他父母的总收入(老爸是外企高管)。真是知识改变命运啊!   还有一种更加容易实现的就是当知名博主,或者是出书,只要书能够畅销,那收入也是源源不断的。在这方面我们小她里也有成功案例@小花小花 她就出书了呢!   还可以拥有自己的专利,专利授权使用费,也是比较可观的啊。   再再亲民一些的,证书挂靠大家都知道吧?一年三四万应该来说并不太难!相关的主题文章: