1, overall financial position
The overall fund situation includes personal income, savings, etc. And how much money can be invested.
If a person has a stable job, high income and more savings, the range of choices will be wider; But if a person's income is not high and his savings are not much, there are relatively few ways to choose financial management. For example, some products with a threshold of 500,000 yuan 1 10,000 yuan cannot be selected.
2, their age.
People need to consider different financial management methods at different ages.
If you are between the ages of 20 and 25, you may not have much income at this time. What you need to do is to strengthen your savings. You can choose to put your money in a bank or a money fund.
At the age of 25-50, many people have their own families and their economic conditions have improved. We should give priority to protecting families, properly allocate insurance, and make other investments on this basis;
And after the age of 50, I have to make plans for my own pension. When the income decreases, we should give priority to steady investment.
3. Personal risk preference
Risk preference is actually a constraint when investors choose financial management methods. Different types of investors will choose different investment products.
For example, investment and financial management, there is a big difference between risk-loving investors and risk-averse investors. The former prefers financial management methods such as stocks and futures, while the latter prefers products such as bank deposits and national debt. Risk-neutral investors between the two prefer products like Jia wealth management platform, which is also Internet wealth management, but the risk is much lower than P2P, and the investment threshold is low and the income is stable. Now they register to send experience money, interest rate coupons, mobile phone traffic and so on.
4, the degree of mastery of relevant knowledge
The financial planner pointed out that investment and financial management is a technical activity. Regardless of the amount of funds and risk preference, you should also consider the degree of mastery of relevant knowledge when making investments, and try to choose your own familiar fields.
But if you are a novice, you should know more about the risk degree and investment threshold of different products, and you can start with some basic financial management; For investors with certain experience, if you want to change investment products, especially high-risk products such as stocks, you not only need to do your homework, but also should not invest too much. You can try it first.
5. Rational asset allocation
In the long road of investment and financial management, the allocation of personal assets will change with the changes of market conditions and personal conditions. You can't always stick to the old financial management methods, and you may miss many good opportunities and cause unnecessary losses.
In addition, "eggs can't be put in one basket", we should pay attention to dispersing funds and reducing risks. When these two points are achieved, the rational allocation of assets can be truly achieved.