The amount of funds directly affects investors' choice of financial management methods. If there is no money, the first thing to do in financial management is to save money, and accumulate original funds through monthly compulsory savings to lay a good foundation for long-term financial management; If you have some idle funds, you can choose the right products according to the investment threshold of various wealth management products. But pay attention to how much money you have to invest, and don't borrow money to invest, especially in high-risk products such as stocks and futures. ? Faced with all kinds of investment and wealth management products in the market, novice financial managers are generally confused and don't know how to choose or invest blindly. Once losing money, they can't accept it. Therefore, when getting started, we should first assess the individual's risk tolerance. If you have strong risk tolerance, you can choose stocks, funds and other products, but you must do your homework before entering the market; If the risk tolerance is weak, then choose a stable investment, such as Ding Dong wallet; Yu 'ebao is a good choice for beginners in financial management. Emergency fund, as its name implies, is a fund specially used to deal with emergencies such as unemployment and illness. Therefore, before investing, this part of the money needs to be reserved in advance, so that life will not be greatly affected. Generally speaking, the emergency fund is 6- 12 times the monthly expenditure, and the specific amount can be decided according to the actual situation, and the advantages and disadvantages should be weighed between the liquidity and profitability of the fund. Because there are few reservations, as mentioned above, life may be affected; If the reserve is too much, it may face the depreciation effect of inflation on assets. Beginners often encounter many problems in financial management and don't know how to solve them. At this time, it is easy to blindly follow the trend. When you see someone else bookkeeping, you also follow the bookkeeping; When I see other people trading stocks, I also trade stocks ... Anyway, it is more secure to work with experienced people when I have no experience. But some things can be followed, such as bookkeeping, but some things can't blindly follow the trend, especially in the choice of wealth management products. Once you trust other people's judgments and don't think independently, you may not only make money, but also suffer unnecessary losses. ?