This is indeed a problem that puzzles most people. Give you 200,000 investment references on how to manage your finances.

one

200,000, equivalent to urban white-collar workers with a monthly salary of 20,000. After deducting five insurances and one gold, you get 1.6 million every month.

Before making an investment decision, you must make a good estimate of your own risk. Well-known Israeli psychologists Kahneman and Tvoski have done a classic psychological test of risk preference.

Test 1. Choose between options a and b:

A. make sure to win 1000 yuan;

50-50 chance. If you win, you will get 3000 yuan; If you lose, you will get full compensation or 0 yuan.

Test 2. Choose between options a and b:

A. determine the loss 1000 yuan;

B 50: 50 chance, losing 3000 yuan, winning 0 yuan.

This test shows two problems.

1. In the test 1, if you choose A, you are a conservative investor with low risk tolerance. On the contrary, choosing B shows that you have strong risk tolerance and are an enterprising investor.

2. People are irrational when making choices: in the case of profit, people hate risk, while in the case of loss, people like risk.

After passing the first test, you can basically determine your risk preference and then move on to the next step.

two

How to determine idle funds

There is a premise that the 200,000 idle funds do not include the necessary funds for daily and emergency needs. Before making investment decisions, emergency funds must be separated from investment funds.

Daily living funds

Mainly used to ensure daily expenses (rent, utilities, food, clothes, daily necessities, etc. You can record all the expenses for one month, and then set the premium of this expense as 5% of the total expenditure (of course, the higher the disposable income, the lower the premium ratio).

For example, if your daily expenses are 4,000 yuan per month, friends with mortgage burden may have more money. Then, the money should be: 4000+4000x0.05=4200 yuan.

Emergency reserve (risk reserve)

Mainly used to deal with emergencies, such as illness, unemployment, capital turnover and other emergencies. On the premise of stable income, this money can be used for current savings according to 50% of daily expenses, which is convenient to access.

That is 4000x0.5=2000 yuan.

One thing to note is that for most office workers, if this fund can't guarantee your normal expenses for four months after you lose your job, don't leave your job hastily unless you can find a job immediately.

floating capital

Apart from daily expenses and emergency reserves, the rest is idle funds for investment and financial management. Never invest your daily expenses and emergency reserves, let alone make all your money unsafe.

three

The point is, how to invest with idle funds?

Assuming that your idle funds are 200,000 yuan, you can make the following investment arrangements according to your risk preference.

Conservative investor

Idea: Capital preservation beats inflation, regardless of making money.

1 and 15% are equipped with large platforms and well-known P2P.

At present, the average income of P2P platform is about 7%~ 13%. Below this income, there is no investment value. Above this investment range, there may be the risk of Ponzi scheme and platform running away.

Be sure to choose one with a good reputation and a big platform, and pay attention to the background of state-owned assets. "State-owned background" has now begun to be clearly marked.

There are also fund custody and fund depository, and the selection order is: fund custody > fund depository > none.

2. 10% gold allocation: there will be opportunities for gold in 20 17 years, and bank paper gold and gold ETF are worth choosing.

Remember, as long as Trump is on the stage, gold has enough reasons for you to invest, but pay attention to the cost. After all, gold is only used for hedging. The icing on the cake is not bad.

3, 20% to buy government bonds.

Needless to say, the security of national debt, the average income is also around 3%~5%, conservative investors must choose.

4, 5% is used to participate in new shares. Generally, you can insist on two daily limit after winning the prize.

Playing new shares can be said to be lying down to make money, but there is a certain threshold and the operation is somewhat complicated. But the average income can reach 10% or more, or even 20%. Why not?

5, 25% to buy bank fixed income wealth management products.

The returns of these investment products are generally between 4% and 6%, with average returns and low risks, which are necessary for conservative investors.

6.5% invested in blue chips

Conservative investors are not advised to invest too much in stocks, but they should not give up the stock market. They can choose some blue-chip stocks, such as banks.

Specifically, you can look at the blue-chip stocks held by the Shanghai and Shenzhen 300 Index Funds. Fund managers' stock selection is quite professional and worth a look.

7, 20% long-term investment index fund, Shanghai and Shenzhen 300 is the best.

In the long run, index funds are basically stable. It is recommended to make a long-term fixed investment or hold a large amount of funds for a long time.

The key to making money for index funds lies in the net value of funds, that is, the share of funds held. With the least capital and the most shares, you can make a profit.

Radical investor

Concept: The proportion of high-risk investment products is between 40% and 70%, and low-risk wealth management products must be allocated above 30%. Can not participate in speculative activities, ordinary people are not recommended to participate in concept stocks, spot futures, crude oil and other fields.

1, 30%: invest in blue chips and hold them for a long time.

You can refer to the positions of some funds to choose, and don't choose blue-chip stocks with excessive stock prices, such as Maotai. Pay attention to the price-earnings ratio, 10~25 times is the best, too high will lead to bubble risk.

We must pay attention to the cash flow, profitability and main business of listed companies.

2.20% is equipped with large platforms and well-known P2P.

3.20%: Invest in undervalued non-blue chips.

In the case of good fundamentals such as cash flow, choose a listed company with relatively large scale and good profitability. For stocks with P/E ratio of 10~25 times, if the P/E ratio exceeds 30 times, consider the bubble risk and choose carefully.

Pay attention to the business composition of listed companies.

4. 10%: long-term fixed investment index fund;

5, 10% to buy government bonds;

6, 10% to play new shares;

four

Do nothing.

1. Regardless of your risk preference, you must pay attention to your principal. Unfamiliar territory means high risk and insecurity.

2. Lottery, gambling, etc. Don't participate, there is a 99.9% chance that you will go bankrupt.

3, P2P must not choose a small platform, and don't be awakened by the salesman's words.

4. Trust your eyes when investing in stocks, don't trust the so-called stock evaluation agencies, and don't think that someone will recommend you to make money for free. Remember, if his stock is a sure bet, why should I tell you!

Take good care of the old people at home, visit them often, and don't let some unscrupulous salesmen take advantage of them.

five

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