The so-called financial product rankings will release new rankings basically every month. Different third-party websites have different rating methods and different ranking criteria, resulting in different rankings. So we can't be superstitious about rankings.
No matter which financial management method we choose, the first thing we should do is to test, or self-analyze, to understand what kind of financial management preference we have and what kind of financial management method is suitable, so that we can "prescribe the right medicine to the case" ".
For example, my personal test on the financial management platform is that I am conservative. When choosing financial products, I should choose a safe and stable financial management method.
According to financial management preferences and risks, it can be roughly divided into 5 types:
(1) Speculative type
Typical representatives: futures, gambling
Features: Ultra-high risk, ultra-high return (return rate is almost 0)
This method cannot actually be regarded as financial management, but is more of a gambling nature.
(2) Growth type
Typical representatives: stocks, stock funds, foreign exchange
Characteristics: high risk, high return
I believe that many people have been on a roller coaster. It is this kind of ups and downs. Many people became rich overnight because of stock trading, but there are also many people who returned to before liberation overnight.
(3) Income type
Typical representatives: insurance financial management, funds, bank financial products
Characteristics: long time consumption, slow returns
High security, average threshold. But there will be no short-term gains. You have to hold on to it for a few years or even more than 10 years, and you have to have enough confidence.
(4) Stable type
Typical representatives: trust and fixed income financial management
Features: considerable income, safe and stable
This The class method is more promising. With an annualized return of around 10%, it is highly safe and flexible, and is suitable for those who prefer conservative financial management and a prudent preference. For example, the Unbounded Wealth Platform, which is known for its stability, offers fixed-income financial products with high security and is suitable for novices in financial management. Moreover, through VIP exclusive registration and investment, you can also receive a 500 yuan Jingdong shopping card for free. The event ends at any time, you may wish to try: receive 100 red envelopes + 500 JD cards
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(5) Protection type
Typical representatives: life insurance, bank deposits
Features: high safety, low returns
This method of financial management is relatively traditional and closely related to life; however, based on a bank's current income of about 2%, there is a risk of not being able to beat inflation, and "money is becoming less and less valuable."
The so-called reliable financial management can actually be said to be "the financial management method that suits you." Therefore, the rankings of various publicity can only be said to be reference information, and cannot become the absolute information for us to choose the financial management method. .
That’s a lot of verbosity, I hope it helps.
In addition, you can learn about these financial management knowledge:
(1) Financial management, don’t touch areas that you are not familiar with, don’t touch it lightly, learn about it first.
(2) Don’t copy anyone else’s financial management methods. Financial management, like success, cannot be copied.
(3) Financial management does not mean making money, it must be foreseen for losses.
(4) No book or person can serve as a financial management model, so don’t rely too much on it.
(5) Junior financial management recommends personal and professional investment. Your job is real estate investment second only to real estate.
(6) Investment should not be at the expense of reducing the quality of life. Any investment that reduces the quality of life is an inferior investment.
(7) Accounting is the first step in financial management. It can help you establish scientific consumption habits.
(8) Returns are directly proportional to risks. Never believe the propaganda that low risks bring high returns.
(9) If the way of financial management is wrong, stop the loss immediately. Hesitation is a taboo in financial management.
(10) With stable income and mature financial management, appropriate debt can be incurred.
(11) Insurance is one of the channels for financial management, and it has risks! Protect yourself first and manage your finances later.
(12) You must have the ability to filter information, such as the financial information from friends, and you will not be wrong if you just ignore 99% of it.
(13) If you don’t understand the savings and financial management recommended by the bank lobby manager, you can’t go wrong by saving money obediently.
(14) Putting eggs in different baskets is an effective way to "spread risks."
(15) Critical illness insurance is an important financial plan for our helpless pseudo-middle class to drag down their families one day.
(16) When you manage money, you need to know where it goes and how to use it to appropriately reduce financial risks.
(17) Don’t rely on others to manage your finances, do it yourself and explore ways to manage your finances.
(18) For financial novices, traveling without losing money is better than the turbulence of a roller coaster, and stocks should not be touched lightly.