Very good,

1 First calculate how much you consume every month, for example 3,000, then take out 9,000 yuan for cash and current deposits, and use all the remaining money for financial management. This 9,000 yuan It will be replenished as it decreases each month.

2 Take a look at your own personality and strengths. Are you more conservative or aggressive? How worried are you about risks? Are you good at investing in stocks and futures? Then figure out what to do.

You won’t have much expenses in the future, and you don’t need to make a down payment for a house. You can just pay off the loan yourself. Your only need is to buy a car at the age of 28. What grade will it be and how much will it cost? This will be an expense after 5 years. What about the decoration and furniture of the house? Whether you pay for it or not, if you pay for it, it will still be an expense. In this way, you will need at least XXX money after 5 years.

If you have a stable personality, don’t resist it. Do something with low risk. If you can’t accept high risk, do something with low risk. If you are not good at stocks and futures, don’t do it. At least learn to understand it before doing it. .

If it is safe, that is, national debt, it is very easy to buy. Do you have a China Merchants Bank card? You can use it as an online bank and buy it directly from the Internet. If you want to sell it, you can sell it directly. It is very easy. easy.

Don’t play with insurance. If your employer is employed and your parents provide life insurance, don’t play with insurance. Remember, no matter how good the numbers are or how fancy they are, the main function of insurance is always insurance, not just insurance. Investment is the main function.

In fact, fixed investment in funds is not a good idea, and bank financial management is not perfect at present.

Just buy 80% of treasury bonds and 20% of stocks. Choose stocks that you know well. Get involved all at once. Unless you make a lot of money, ignore them. This approach is more suitable for you

p>

What about futures, gold and foreign exchange? You can only hear about someone who has made a fortune from the newspapers, but you have never seen it in life. Moreover, the newspapers heard that he made 10 million, but of course they may not have reported on him before. Lost 50 million yuan.