Speaking with data, two million in hand to invest in the house and buy financial which is cost-effective?

2 million cash in hand, it is not recommended to invest in real estate, because the era of relying on real estate to make money has passed. Buy financial products is a very good choice, the annualized rate of return of 6% -10%, that is, 120,000 to 200,000 earnings per year.

1. Investing in real estate at the moment is likely to lead to losses.

In 2019, the state's regulatory policy on real estate is still to adhere to the housing without speculation, under such a tone, the price of housing will not have a big opportunity. Coupled with the proposal of city-specific policies, it can be expected that house prices will not see a big drop, but even less a big rise, and what is most likely to occur is a moderate rise or a moderate decline.

For investment properties, it is almost impossible to make money regardless of whether there is a mild rise or a mild fall, because house prices include the cost of purchase, transaction fees, monthly payments each month, and the cost of putting money into the property. If house prices do not rise by more than 10% per year, you are basically losing money.

2. Renting instead of paying is the secret to investing in real estate, and it's not working.

The owner of the building mentioned why the investment property will rent the house, which is our 20 years of property market bull market investment property to make money the secret, that is, everyone mentioned the rent to sale ratio of this popular vocabulary content.

There are two main ways to make money investing in property: rising house prices and rental income. The former is easy to understand, and the latter means that after putting a down payment on a house, you can eventually recoup your investment and make money by collecting rent against your monthly payments.

For example, a million dollars in real estate, invested 300,000 yuan down payment, monthly repayment of 3600 yuan. If the house rents for $4,000, it completely covers the monthly payment, which means you don't have to keep investing after the down payment. Even if home prices don't rise, you won't lose money when you sell. However, our rents have been very low, 1 million properties are more like renting 1,000-2,000 yuan, and lose the ability to rent against the monthly payment.

Investment in real estate, at this stage can only profit from rising prices.

3. Purchase of financial yields are higher than investment properties.

2 million, the better way to invest money at the moment. According to different personal risk appetite, choose different products. If the risk appetite is low, it is recommended to choose the bank type of financial management, the return can reach about 5.5%. For those with certain financial knowledge, it is recommended to choose trusts, private equity funds and other relatively high risk, but controllable products, with a return of about 10%. At this stage it is obviously higher than the investment in real estate returns.

Overall, as long as the country adhere to the policy of housing without speculation, the property market must not have a big chance, usually you can pay more attention to national policies. For financial management, the higher the return, the greater the risk, to invest in their own affordable range of financial management.