Tips for investing 300,000 euros
Let’s start by saying that, being a nice sum, you can think that you can live on income with 300000 euros: a lot depends however on the lifestyle and on the expenses that every month is necessary to face. If you are alone, you will probably be able to live with 1000 euros a month . If you manage to cover all the expenses with this sum and also save something, then you might even think about leaving work and living on a pension with 300,000 euros.
In general, to understand if you can live on income by investing a certain amount, if the expenses amount to 10,000 euros, we will have to invest around 250000 euros to be able to generate an adequate income .
With € 300,000 it is therefore possible to obtain a discrete financial income, which can contribute to considerably improving the standard of living of a person, but it can hardly completely replace labor income , unless you want to live very carefully.
Investing 300,000 euros: prudent profile
If you don’t like the risk and you belong to the “prudent” group, then you are one of those savers who want to know how much they can make 300,000 euros invested with caution . The first thought, of course, goes to the bank . But how much does the bank give you, monthly or annually, for such a sum? Unfortunately, the savings today make very little.
Despite being a good capital, in fact, government bonds, deposit accounts and deposit certificates, as well as all postal savings products, have low returns , which are unlikely to exceed 1% per annum .
Invest in stocks
The global stock market grew on average by 7% per year. Investing 300,000 euros in shares and other financial transactions could lead to very attractive returns . Shares, bonds, commodities, funds and so on.
Investment in financial markets is particularly suitable for creating an income. With 300,000 euros you should aim for a return of around 4% net per year to reach your goal.
One of the secrets is diversification . If you have a capital of 300,000 euros, it is better not to launch into a single asset: rather, better to look at products that combine multiple instruments within a single quota.
Equity funds
The investment funds dealing directly raise capital and invest in a portfolio of securities, which then divided into individual shares. In this way, whoever owns a share owns a minimum of all the assets that the fund has bought.
The private funds targeted are usually made of stocks, bonds, or both. Government bonds of industrialized nations, such as the German Bunds , are the safest instruments. At the other end of the scale we find the few-euro shares traded on the markets of emerging nations , while in the midst of these two extremes there are hundreds of facets.
Finding the right funds is difficult and requires considerable expertise, so if you are inexperienced, this part should be delegated to an expert. Despite this, the advice we give you to see make your 300,000 investment profit is not to lose interest and to set regular deadlines, so as to remind you to check the progress of the portfolio and to hear your consultant.