1, time deposit

Bank time deposit is one of the safest financial management methods. Time deposits are divided into lump-sum deposits and lump-sum withdrawals. For investors with a monthly salary of 2,000 yuan,

Because the amount of a single deposit is relatively small, it is more suitable for lump-sum deposit and withdrawal, and the deposit period generally includes one year, three years and five years.

The deposit interest rate of time deposit is generally higher than the deposit interest rate under the same circumstances, while the use of demand deposit is more flexible, the principal and interest of time deposit need to be withdrawn in one lump sum, and personal consumption can also be effectively controlled.

2. National debt

Treasury bonds have high security, relatively stable expected returns and low investment threshold, which is very suitable for novice investors to participate.

The investment period of national debt is long, generally the shortest is three years, and it needs to pay a certain handling fee to take it out halfway, so it can also serve the purpose of compulsory savings. However, because there are too many people snapping up national debt, it is often in short supply, so it is not easy to buy it.

3. Reverse repurchase of government bonds

The security of reverse repurchase of national debt is comparable to that of national debt. If it is operated properly, the expected return of reverse repurchase of national debt is usually higher than that of national debt. However, the investment threshold of reverse repurchase of national debt is higher than that of national debt, and the initial purchase amount in Shenzhen is 1000 yuan. If there are more idle funds, you can also consider operating reverse repurchase of government bonds.

4. Baby financial products

Alipay's balance treasure and Tencent's wealth management treasure are common baby wealth management products. This kind of products have lower investment threshold and risk, higher expected income than demand deposits, convenient purchase and redemption, and are more suitable for small investors.

According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.

What is financial management?

When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

1, financial management is a lifelong treasure, not just to solve the problem of urgent need for money.

2. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.

3. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).

Where can I manage my money?

At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.

1, bank financing

At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.

2. Financial management of securities companies

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

3. Financial management of investment companies

Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.

4.APP financial management

At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.