Three tips for "borrowing chickens to lay eggs". How to do financial planning without money? In terms of investment and financial management, "borrowing chickens to lay eggs" means using other people's capital, technology, human resources or other resources to create a certain expected annualized return. For example, banks use depositors' money to Carry out some business activities and win greater profits. Financial planners say that in fact, ordinary people do not need to wait until they have money to manage their finances. They can use some "borrowing chickens to lay eggs" skills to help you successfully manage your finances and make money generate money to win wealth. Three tips for "borrowing chickens to lay eggs": 1. Bank savings. If you have little money, it doesn't matter. There is a principle of "little money". For example, bank savings are highly secure and can provide stable small expected annualized returns. Generally, the expected annualized interest rate for a 1-year time deposit is 3%; the expected annualized interest rate for a 3-year term is 3%. Or choose a monetary fund. , with strong liquidity, the expected annualized return rate is generally around 4%, and you can invest a few hundred yuan; or you can choose Internet baby financial products, such as Yu'e Bao, Licaitong, etc., which are essentially monetary funds, and the expected annual return is The expected rate of return is also around 4%, but the investment threshold is lower, starting from 1 yuan. Financial planners say that through these methods, you can always get more expected annualized returns than current deposits. Don’t neglect financial management if you have little money. 2. Accumulate credit record. "Good credit record" is also your wealth, so don't underestimate it. If you have a "good credit record", first of all, your credit card consumption limit can be increased, which can help you when you encounter problems with capital turnover; secondly, you can easily borrow money from the bank to "lay eggs", which you can use for Business, investing in real estate, purchasing financial products, etc. The most important thing is that you have also established "good credit" among your relatives and friends around you, and they will also help you. Financial planners say that a “good credit record” is of great value to your future investment and financial management! Therefore, everyone should protect their personal "credit record". 3. Lending money to others Of course, lending money to others is not for free, but to obtain expected annualized expected returns. Of course, some people will think of loan sharking, and the profits are quite considerable. Can you lend money with little money? sure. For example, in the popular P2P online loan, you can lend money through the P2P network platform (chicken) and earn interest (egg) every month. The loan amount can range from a few hundred yuan to 1,000 yuan. By "lending money to others", you can get a higher expected annualized return. If you don’t manage your finances, your finances will ignore you! You can still manage money even if you don't have money. You can try these "borrowing chickens to lay eggs" techniques mentioned by financial planners to make good investments, let money make money, and bring you more wealth!