The elements of a financial plan include rate of return, safety, liquidity, and planning.

Introduction to financial management:

Financing refers to the management of finances (property and debt) with the purpose of maintaining and increasing financial value. 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 material foundation and are closely related to financial management.

"Financial management" is often used together with "investment and financial management", because "financial management" has "investment" and "investment" has "financial management". The so-called financial management is not just about investing your finances. Being invested is also a kind of financial management. If you don't know how to be invested, you won't know how to invest better.

Financial management methods:

If you go to a bank or securities company to manage finance, you need to open a corresponding financial account. Generally speaking, financial management accounts opened through banks can handle savings products, bank financial products and fund products. Large banks can also purchase treasury bonds through the banking system. Since bank branches are widely distributed, investment and financial management accounts opened through bank channels can be processed at bank counters.

Financial management accounts opened by securities companies can be used for stocks (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), and futures (including financial futures such as stock indexes) Futures, foreign exchange futures, etc., commodity futures such as gold futures, agricultural product futures, etc.) and a series of investment and financial management tools. The opening of a securities account can be done at the business department of each securities company and needs to be done within the trading day.

Means of financial management:

1. Futures

Generally refers to futures contracts, which are formulated by futures exchanges and stipulate a specific future in the future. A standardized contract for delivery of a certain amount of an underlying asset at a time and place. This subject matter, also called the underlying asset, can be a certain commodity, such as copper or crude oil, or a certain financial instrument for the spot corresponding to the futures contract.

The buyer of a futures contract, if he holds the contract until maturity, is obligated to buy the underlying object corresponding to the futures contract; and the seller of the futures contract.

2. Trust

Trust financial management is a property management system, and its core content is "to manage finances on behalf of others when entrusted by others." Specifically, it refers to the act of the trustor entrusting his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes of the property in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustee.

In previous years, the issuance scale of the trust market was 3 trillion, with an annual growth rate of more than 30%. Trust products are products issued by trust institutions and sold through banks, securities companies, and professional independent financial companies.