1 10,000 funds can be used for asset allocation and can be invested in different products, wealth management, funds, stocks, etc. Investors should allocate according to their risk tolerance and expected returns. If investors are conservative, they can invest 60% of their assets in wealth management, 30% in funds and 65,438+00% in stocks. If investors are fund-based, they can allocate 60% stocks, 20% funds and 65,438+00% wealth management.

1. Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance. Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management. "Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only a foreign investment and financial management, but also a kind of financial management. If you don't know how to be invested, you don't know how to invest better.

Second, the word "financial management" first appeared in the early and late 1990s according to the statistics of the data center of BOC. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, 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.

3. 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 wealth management: 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. Financing 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. Investment company financing: Investment company financing generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. With high initial capital requirements, it is suitable for high-end wealth managers.