When going to a bank or securities company for financial management, you need to open a corresponding financial account. Generally speaking, financial management accounts opened through banks can handle savings products, bank financial products and fund products, and large banks can also purchase them through the banking system. Since bank branches are widely distributed, investment and financial management accounts opened through bank channels can be processed at bank counters.

1. Bank financial management. The financial products provided by my country's commercial banks are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.

2. Securities company financial management. Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences.

3. Insurance financial management. Insurance financial management is more long-term, focusing on solving education planning and pension planning over a longer period of time, while also solving accident, medical and other security issues.

4. Investment company financial management. Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party financial management, etc., and requires relatively high starting capital.

Notes

1. Review your own asset status. Including existing assets and expectations of future income, knowing how much money can be managed is the most basic premise; setting financial management goals. It is necessary to qualitatively and quantitatively analyze financial goals from specific time, amount and description of goals;

3. Clarify what type of risk preference is. Do not make assumptions about risk preferences that do not take into account any objective circumstances. For example, many customers put all their money in the stock market without considering their parents, children, or family responsibilities. At this time, their risk preferences deviate from what they can bear. scope;

4. Carry out strategic asset allocation. Make asset allocation among all assets, and then choose investment types and investment timing. The core of financial planning is the process of matching assets and liabilities. Assets are the previous stock assets and the ability to earn income, which are future assets. Debt is family responsibility, to support parents, raise children, and send them to school.

Goals, goals have also become our liabilities. We must have a high-quality life and dynamically match your assets and liabilities. This is the core concept of personal finance. It can be seen that financial planning should be a must for everyone, and it does not depend on the amount of assets.

Baidu Encyclopedia - Financial Management

Baidu Encyclopedia - Financial Planning