Financial management methods for office workers

1. The most basic financial management method is to first learn to keep accounts, which is the foundation of financial management. Only through accounting can you discover the reasonable and unreasonable items of your income and expenditure, so that you can increase revenue and reduce expenditure. As the saying goes, there is a money tree outside and a cornucopia at home. The cornucopia is not only about a good wife and mother, but also about your financial management skills.

2. It is necessary to join reasonable insurance and have certain protection. Maybe some people think that insurance is just investment. I personally think that some insurances have an annual rate of return of more than 10% and can protect your property and safety. Such as some growth insurance, education funds, accident insurance and health insurance.

3. Bank deposits, although bank deposit interest rates are very low, you can’t put all your eggs in one basket. You have to put a small part of your money in the bank! As the saying goes Said: A cunning rabbit has three holes. This is the truth.

4. If you don't have a windfall, you won't get rich. Put about 30% of your funds into efficient investment. The direction can be for the Internet, for individuals, or for enterprises. For example, some reliable investment platforms on the Internet can earn monthly profits of more than 3 cents (that is, 3 cents for 1 yuan, and 300 yuan for 10,000 yuan). ), there are also private loans by private owners, with monthly interest ranging from 1 cent to 3 cents. There are also some operating enterprises with a large funding gap, and the annual return on your investment will generally not be less than 20%. It should be noted that investment needs to be cautious, as there are risks, and it is up to you to decide.

5. The use of credit cards. Credit cards are a kind of payment provided by banks to users. Microcredit payment tools. In fact, using the money from credit cards to invest in online platforms can not only realize cash out, but also serve as an investment and generate good returns. I have a friend who uses a credit card worth 100,000 yuan to invest in the card. Invest the money in a platform, and then you will have a profit of more than 2,000 yuan a month later. When the credit card has to be repaid, you can repay the money to the card without spending a penny. .

Ways for financial management for office workers

The domestic institutions that can provide customers with financial management services mainly include banks, securities companies, and investment companies.

1. Bank financial management<. /p>

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<. /p>

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

Financial management by investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party financial management, etc. It requires a relatively high starting capital and is suitable for high-end financial management people.

5. E-commerce financial management.

In addition to financial management at offline outlets in the 21st century, you can also use financial search engines on the Internet to search for financial products and compare risks and returns from multiple parties before investing.