User comments:

Ordinary season: ordinary people have difficulty in managing money, have no suitable direction and have too little money. I think saving is the safest and suitable for ordinary people. Although it can't beat the price index, at least it won't be wiped out.

Polishing grinding wheel: countries are starting printing presses, trying to keep banknotes from depreciating. Dream on!

Return to the wind: funds can't buy ... deceptive.

Moonlight City: Actually, gold is also risky, because no country implements the gold standard. Today's gold is valuable because of historical inertia.

Floating life is like a dream: preserving and increasing value or real estate, gold has P use. Houses not only maintain and increase value, but also have rental income. Who did you rent the gold to? Guest Comments: Cheng Quan, Special Financial Advisor of Jiangnan Evening News, Special Guest of Zhixin Finance Network

Many readers have a misunderstanding that financial management is how to invest and how to make money with money. In fact, investment is only an integral part of financial management. According to the definition of personal finance by the American Financial Planner Qualification Committee, personal finance refers to how to use financial resources and formulate a reasonable procedure to achieve personal life goals. For example, young people want to own their own house when they get married, and hope that their children can receive a good education after having children, and hope that they can have enough money to travel around the world after retirement. Stocks, gold, foreign exchange and other varieties with large price fluctuations are not the first choice for stable investors. Since last year, bank wealth management products have been questioned by Ponzi scheme, and high-yield trust products have been in redemption crisis, which requires investors to adjust their wealth management ideas on 20 13.

The first thing you have to do is to make future life goals and make corresponding financial arrangements according to these goals. At present, all investment markets are low-threshold and high-yield (1 annual fixed deposit rate above 3%). One is the reverse repurchase of national debt of Shenzhen Stock Exchange, and the other is the fixed income model of Pan-Asia Nonferrous Metals Exchange.

Bond pledged repo is a kind of short-term capital lending behavior in which both parties take bonds as collateral. Among them, the bondholder (repurchase party) pledges the bond to obtain the right to use the funds, repays the principal and pays certain interest at the agreed time, thus "redeeming" the bond, while the fund holder (reverse repurchase party) is the counterparty of the repurchase party. In the actual transaction, the bond is pledged to the third party, namely China Registration and Clearing Company, which makes the transaction safer and more convenient for both parties. The threshold of reverse repurchase of national debt in Shenzhen Stock Exchange is 1000 yuan, and the yield of 1 day (code 13 18 10) is about 3.5-4%, which is close to the yield of wealth management products of banks for more than 30 days. Banks need 50,000 yuan to start selling, which can be used as short-term bank wealth management.

The original fixed income model of Pan-Asia Nonferrous Metals Exchange has more advantages in children's education, pension, house purchase, loan repayment and other life planning. Pan-Asian Nonferrous Metals Exchange is a spot exchange, and the spot transaction will generate a delayed delivery fee, which will be paid by investors who participate in T+0 trading (buy up and buy down). Fixed-income investors get 3.75% of the daily income from the delayed delivery fee (the corresponding annualized rate of return is 13.68%). Part of the profit will arrive on the same day and can be withdrawn the next day. If you need money, you can apply on the first day and withdraw the principal the next day. Moreover, the threshold is low, and 3000 yuan (variety indium) can participate, which is very suitable for family financing and corporate liquidity financing.

For example, some netizens borrowed 500,000 yuan from the bank to buy a house and got a 10% discount (5.895%) on the basis of the benchmark interest rate of 6.55%. If the loan has equal principal and interest for 25 years, it needs to be repaid 3 189.49 yuan per month. He will participate in the fixed income model of Pan-Asia Nonferrous Metals Exchange with his own funds of 6,543.8+0.50 million yuan, and will get a fixed income of 654.38+0.687 yuan every month. Together with the provident fund paid by the unit every month, he can repay the monthly payment of the bank. After paying off the bank loan in 25 years, he still has a principal of 6.5438+0.5 million yuan at his disposal.

Another example is a new baby at home. In order to pay for their children's future preparation for marriage (going abroad), they participated in the fixed income model of Pan-Asian Nonferrous Metals Exchange with their own funds of 654.38+10,000 yuan, and obtained fixed income of 654.38+03.680 yuan every year. Twenty-five years later, the child grew up, and the original investment of 65438+ 10,000 yuan became 2.466 million yuan, which is the mystery of compound interest.

The above is an article in the financial management section of Jiangnan Evening News this year10.9 in 65438. See if there's any inspiration.

I hope I can help you.