1, learn something first, anything can only be well controlled if it is understood and familiar. It is convenient to study now. Many textbooks and videos on the market are free.
2. Use of planned funds. The most difficult thing about financial management is not the variety, but the investment method that suits you. For example: I tell you that an index fund is good. You invest with the living expenses, I invest with the funds that I don't need for ten years, and then fall again two months later. If you use this money, you can only sell it at a loss. It has doubled in two years. Can you say that this fund is not good? It's just that this product is not suitable for you.
3, a small capital experiment, Xiaobai at the beginning, can't afford to lose. I lost dozens of dollars a day more than ten years ago and felt extremely distressed. Now I lose hundreds of thousands a day, and I am indifferent. Start looking for feelings at the beginning and keep a good attitude to experiment. First, I invested 100 yuan for observation. If you invest too much at one time, it will affect your financial mentality. If you have a bad attitude, financial management is easy to fail.
4. Give up short-term profits. Everything takes time from birth, growth and maturity. Don't invest on the first day and think about the benefits the next day. Generally speaking, financial management is based on years. Of course, there are always experts who double their number in a week, but this situation will not last long. Financial stability is much more important than earning high profits.
Hello, thank you for inviting me to answer your question.
First, please evaluate your risk preference.
If you have a low-risk preference and don't want to bear the loss of principal, but you want to make the funds easy to realize, then buying a money fund is a good choice.
If you are a person with moderate risk preference and can lose a small amount of principal in extreme cases, then choose to allocate half of the money fund and the other half to buy the stocks of big banks or joint-stock banks that are seriously undervalued at present, with good asset quality and high dividend ratio.
If you are a high-risk preference, then you can buy all the outstanding city commercial banks that are seriously underestimated, with good performance growth, high asset quality and reasonable cash ratio over the years.
Cut to the chase, the following is my real opinion: the most suitable investments without financial inspection should be low-risk investments, such as regular financial management, money funds and bond funds! The reason for this is the following：
1. Everyone likes high returns, but only a few people notice the risks. Take the recent crude oil treasure products of a bank. Ordinary people think that at most the principal is lost. Who knows not only all the losses will be paid! Therefore, being unfamiliar and not doing it is the first important principle of investment and financial management! (Monetary fund, regular financial management, bank capital preservation financial management)
2. Bond funds can also invest.
Bond funds in the market mainly include pure debt funds, mixed debt funds and convertible bonds (which can also be divided into pure debt, primary debt and secondary debt). It's not broken down here, but-bond funds also have risks. The recent bond storm caused several bond funds to drop as much as 30% in a single day.
Let's talk about the method of lightning protection debt selection fund: good performance; Choose 3-5 funds (depending on the amount of funds); Check the fund's heavy debts, and the single heavy debt is less than 10%. Bond funds are suitable for one-time investment, not for fixed investment!
3. Fixed investment of the fund
It is not recommended that people without financial tests participate, because the fund needs the following points: selecting funds, bearing losses, patience and taking profits! Not to mention here, you can also buy two books to study, sign up for a course, and check at least 50 related articles online!
4. golden
Physical investment can also be done, and so can paper gold. I have invested less in this part myself, so I won't elaborate!
The secret of making money by investing: buy cheaply, buy low and sell high!
If there is no financial test, don't move, even if the bank's income is low. First of all, you can learn about financial management. After you have some knowledge, you can try low-risk and low-income financial projects first, and then try some projects with higher risks and lower returns. Never listen to others boast that low income and high income do not exist. Moreover, especially for high-risk projects, we must consider our own tolerance. Can we accept a total loss? This is crucial. If it is unacceptable, don't invest in such projects. In a word, it is true that risks and benefits are always in direct proportion.
No financial tests. I suggest you start investing in money funds to invest in wealth management products. Why did you specifically mention the Monetary Fund? Because I think the money fund is a very stable fund, it earns interest through bank lending and loans, so it basically won't lose your principal, and it is much higher than the interest rate of your regular financial management or bank demand deposit.
This kind of fund can be used as a fund financing method for your study, investment and financial management, and it also has a flexible balance treasure, but the balance treasure is very convenient. Yu 'ebao is also a money fund. Although the current interest rate has been lowered to 3%-4%, it is very convenient compared with demand deposits because it has the liquidity of demand deposits.
Liquidity is very convenient. In this case, the interest rate can reach 3% to 4%, which is still a good investment and wealth management product in the money fund.
The advantage of investing in money funds is that you have an introduction to financial management. Do you know the annualized rate of return after investing in wealth management products? You know what kind of income 4% annualized rate of return plus your principal can create.
In this case, you have a very strong interest in investing in wealth management products. When investing in money funds, you will see many other types of funds. After investing, you can judge whether to try to buy other types of funds according to your own knowledge. How to calculate the rate of return? These are all basic knowledge. After you invest in the money fund, you will have a general understanding of the financial management methods of fund investment, because you will be very assured of your own money, and you will be willing to try to buy some other funds with greater risks.
In addition to Yu 'ebao, you can also use wealth management products to invest in gold funds. There is a fund manager named Huang Jinbao on the balance treasure of the gold fund. This wealth management product is also very suitable for novice investment. It is mainly based on the trend of gold to judge the gains and losses of the fund, so this situation is linked to gold. If you judge that the trend of gold is optimistic, you can buy more, if not, you can buy less. In this case, there are more opportunities for profit, but based on your judgment on the gold market.
Of course, there are also some fund products that are stock funds. Equity funds are mainly related to the market or the stocks invested by this fund. This kind of fund product will be relatively risky, but it can be used as a reference for investing in wealth management products, so that you can choose a small part of funds to invest in stock funds after investing in money funds and gold funds.
In the absence of financial tests, the most appropriate investment is that all options should have more certainty.
The product is determined, the investment period is determined, and the income is relatively determined. You can also try to invest a small amount of spare money in some bonds or funds (the specific proportion of funds is divided according to the risk level. If you can't take risks, you can't touch products that may lose money.
On the basis of determining that it is idle money, briefly explain which of the following products are relatively suitable for investment and correspond to possible risks.
This investment product has stable income and high national debt credit, so there is no need to worry about default risk.
Reminder: when investing, consider the requirements of purchase amount and investment period, and don't affect normal life.
With a deposit of 200,000 yuan, the annualized rate of return is higher than that of ordinary time deposits, and the interest rates of different banks in different periods are slightly different, so I went to the bank for consultation.
This is a variety that investors who pursue stable income can choose and is protected by the bank bankruptcy insurance mechanism. Deposit products can claim within the scope of principal and interest not exceeding 500,000.
Money funds invest in various monetary instruments, and the risk is extremely low. Although the current 7-day annualized income is about 2%, its biggest advantage is that the time and method of purchase and redemption are flexible, and the income is obviously higher than the interest of bank demand deposit products.
It can be used as a small vault for work and life. You can choose which company and which product according to your own purchasing platform.
Bank wealth management is now a net worth product, which means that there may be investment risks. For example, the "original X treasure" of Z Bank is a typical wealth management product.
Many investors know that investing in futures is risky, so they will not take the initiative to participate in futures trading. However, this product is not a real investor investing in futures, but a bank, as a market maker, invests with investors' money. Investors themselves have no trading rights in the exchange and can only trade with banks.
The above examples only show that when investing in bank wealth management products, what is the investment direction of such products? If you don't understand the investment of the underlying assets, the probability of loss is great.
As for what financial products are particularly risky to invest in, I won't go into details here. In short, remember one sentence: as long as you don't understand, it is regarded as high risk.
Caution is the mother of safety.
Whether it is pure debt or mixed debt, there will be risks.
The risk mainly comes from the debtor's default, which leads to the inability to repay the due principal and interest. Hybrid bonds do not invest more than 20% of their funds in the stock market, which may lead to losses due to market instability.
Therefore, if you want to invest in bond funds, don't occupy a large proportion of funds to balance risks.
However, there are many descriptions, because insurance products have complex functions and many product details, so they should be analyzed in detail.
If you want to invest, you must make clear the function, investment period, guarantee period, terms and conditions of the product.
Funds are the most suitable products for ordinary investors to enter the capital market.
Starting amount: 1 yuan.
Handling fee: depending on the product.
Place of purchase: on-site and off-site
Trading rules: distinguish according to trading places.
Risk: There are risks, but compared with stocks, the possibility of loss has been greatly reduced.
The method of controlling risk: the fixed investment mode of the fund
Investment core: choose the right variety and find the right selling point.
Others: refer to relevant indicators according to your own habits.
In a word, you invested with hard-earned money, not with it. The best way to protect your property is to be familiar with the rules of the game, try slowly with small money, and gradually form your own investment style.
If you have no experience at all, you can try to choose a stable wealth management product category. It can be found in the column of Alipay wealth management options wealth management products, or you can go to major banks for consultation and purchase. The types sold on different platforms may be somewhat different. Roughly divided into two categories:
One is the traditional wealth management products sold by brokers. The general risk is low, and the annualized income is about 3.8%. There are also moderate risks and the income will be higher. Most of the income is floating, but basically the actual income of low and medium risks can meet expectations. This type of subscription is basically open on a regular basis and cannot be redeemed before the deadline. It is necessary to pay attention to the time when products are open for purchase and arrange appropriate investment quotas.
The other is bank time deposit. If the interest rate of big banks is low and the interest rate of small banks is high, the quota below 500,000 is more secure. Based on the regular project of Agricultural Bank of China Alipay, the three-year annual interest rate is about 3.79%, and the 1 annual interest rate is about 2. 10%.
In addition, the money fund is also a stable project that can be invested. Yu 'ebao is also a monetary fund product, which can be redeemed flexibly, but the yield is relatively low, and there are differences between different products. The annualized interest rate on the 7th is basically between 2% and 3%.
You can choose according to your own needs. If the amount is large, it is suggested to choose multiple projects to diversify investment, which can reduce the risk and avoid breaking eggs in one basket.
As you are an inexperienced investor, there is no suitable recommendation. All investment products can only be said after confirming investors' risk preference, financial strength, capital use period, investment cycle and many other factors. The investment is too big. She is a subject, and some people will never learn it. Know yourself before investing, and then go to a professional for advice and help.
No experience! ! ! ! Deposit it in the bank! There is risk (bank failure), but the relative risk is the smallest.
If there is no financial inspection, it is best to entrust professional personnel and cargo agencies to see your risk preference.
Conservative financial management, low risk tolerance, you can buy some baby financial management, the income is relatively fixed.
If you have a certain risk tolerance, you can consider buying a fund. Because you don't have a financial test, you can buy some index funds to make a fixed investment. In the long run, the income is much higher than the above fixed income financing.