2. Rolling profits from deposits and interest. If you have idle funds of 10000 yuan, you can choose to save this money as an interest-bearing deposit. After one month, you can take out the interest of this money and deposit it for one month, and then open a lump-sum savings account to deposit the interest. In this way, everyone can withdraw interest from the first account and deposit it in the lump-sum deposit and withdrawal account. This kind of deposit has a good interest rate.
3. Unequal deposit guarantee emergency. How to deposit 10 thousand yuan with high interest rate? You can divide this 10,000 yuan into four equal parts with different amounts, namely 1000 yuan, 2,000 yuan, 3,000 yuan and 4,000 yuan, and then deposit these four certificates of deposit into one-year time deposits, so that you can take them out at any time when you need them urgently, and at the same time guarantee a certain income.
Financial management method
You need to open a corresponding wealth management account when you go to a bank or a securities company for wealth management. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.
The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.
The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.
Financial management level
The first layer is to handle and use money effectively and reasonably, so as to make the best use of everything and meet the needs of daily life to the greatest extent.
The second level is to invest the extra money to produce the best financial return, which is the level of Qian Shengqian.
The third level is to plan life from the financial point of view, make use of the existing economic and financial conditions, maximize the value of their human resources, and prepare for future development.
plan
1. Check your assets.
Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite.
2. Set financial goals
It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target.
3. Clarify the types of risks
Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.
Sixth, don't be die-hard. When speculating in foreign exchange, sometimes it depends on the wind direction and rudder, so don't stick to your own opinions. Ten thousand kinds of market are attributed to the market, which means that sometimes good news enters the market, but the market is not good, but it falls, that is, your previous analysis is wrong. Please make a quick decision, don't be stubborn. If you are a novice in financial management, you can apply for a foreign exchange simulation account at Global Jinhui first and experience the basic steps of simulating foreign exchange speculation. Slowly, you will learn, and finally you will learn more about financial management.