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如果你手里有40万，应该如何打理才能让自己收益可以达到3万左右呢？
这个其实很简单，我们可以先计算一下，40万也就是做到年化收益率8%左右，那么就有3.2万的收益。
关键就在于这个年化收益率8%左右具体应该如何实现呢？
我们先来假设一下实现年化收益率8%的一些投资品种。
第一种，投资股票，股票遇到行情好的时候，年化收益率达到8%还是没啥问题的。
第二种，投资基金，定投指数基金，指数基金是巴菲特力荐的投资品种。
长期定投还是可以达到8%左右的年化收益率的。
但前提是长期定投，比如现在这个行情，即便是定投你也拿不到好的收益。
所以这个需要你自己坚持，通过坚持以后才能拿到年化收益率8%左右的收益率。
那么40万具体如何打理呢？
怡心认为可以这样打理：
首先拿出10万块投资固定理财产品，投资年化收益率大概4%左右，10万块一年就有4000块左右的收益。
然后20万拿出来定投指数基金，长期定投，分批次定投。
把资金分成20份来投资，这样可以不断的拉低成本，从而让成本越来越低。
后面达到年化收益率8%左右的收益还是可以的。
但是整个过程需要的时间会比较长，我就是一个长期投资的过程才能实现年化收益率8%。
另外还有一种方法就是投资可转债，今年怡心只拿了20万投资，目前来看一年的收益也快4万块了。
说明可转债这个投资品种也还是不错的，每天可以买入卖出，整体收益会比较高。
今年前段时间可转债整体的收益还是不错的，只要抓住几只比较牛的债，基本收益率就上去了。
那么对于手头上有40万，已经投资了30万，那么可以拿出来10万小试牛刀，慢慢投资，后面觉得自己投资已经很不错了，这个时候可以考虑多拿点钱投资可转债了，每年拿3万多的收益还是可以的。
手头里有40万其实稍微努力一下怡心认为可以拿到5万左右的收益，就看你自己对于理财方面的研究了。
平时比较喜欢爱研究能够掌握比较多的投资品种，通过不断组合，可以将这些投资品种全部组合在一起，并且适当的进行动态平衡。
也就是说根据行情来，行情好的时候，都投资权益类基金，当行情不好的时候可以多投资稳健类基金。
尤其是今年的整体行情确实不好，即便是投资债券基金目前也亏损不少。
这个时候就需要努力看好的就是你的心态，看看你是否能够坚持长期投资了。
不过怡心认为想要40万有非常好的投资收益，而且收益还能看得见，怡心认为还是投资可转债的，可转债当天收益都可以看得到，整体来说是一个不错的投资品种。
怡心目前重心也会在可转债和指数基金上，基金的话投资指数基金更加稳健一些。
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前段时间，欧洲缺电，闹出一大摊子破事。 为了吓唬大家少用电，德国副总理跑出来呼吁：少洗澡，多工作。 人们悲观地说着：要么饿死，要么冻死。 然而，就在大家都为了能源焦头烂额的时候。 …
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今年，农业补贴如何下发？下发的标准是什么？国家有关机构对此还是有考量的。从发布的政策来看，我国近些年主要扶持的对象为农业集约大户，对于农业项目的支持力度加大，因此搞农业项目能助农民…
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