Thưởng Tết 20 triệu nên làm gì | Bạn tôi cũng hỏi câu này ít nhất chục lần. Nhiều người cũng nhắn tin tương tự. Sẵn đây trả lời luôn.
20 triệu bây giờ đủ thuê mặt bằng một tháng, thậm chí thiếu, chứ đừng nói gì đến kinh doanh. Nếu không có vốn mạnh và quan hệ thì tốt nhất dẹp cái ý tưởng kinh doanh đi. Bạn không nhất thiết phải làm chủ để phát triển tài sản.
Với số tiền khiêm tốn đó thì bạn có thể làm sau đây.
1. Mua cổ phiếu. Muốn an toàn thì có quỹ index vn30 E1VFVN30.
2. Còn muốn an toàn hơn thì có quỹ trái phiếu. Trả 8-9% mỗi năm.
3. Còn không thì gửi nhân hàng. 6% không nhiều nhưng chắc.
Tại sao khi có dư tiền thì người ta nghĩ ngay đến kinh doanh mà quên đi rủi ro? Chỉ nên làm nếu tự tin và chịu dấn thân. Đa số chúng ta chỉ muốn thụ động và có công việc khác.
Hãy tích lũy tiền đủ nhiều rồi tính tiếp. Chỉ khi bạn an toàn thì mới có khả năng mạo hiểm. Còn không thì giống như đánh bài với tài sản cá nhân.
Bóc Phốt Tài Chính | 05.2.2021
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