For wage earners, there are two main sources of income-work income and wealth management income. Once you have the capital for financial management, you can't just rely on work income. You should gradually increase the proportion of wealth management income in total income. Start financial management as soon as possible, and you will have the opportunity to retire early and enjoy life. The following "financial equation" can give you some inspiration: financial equation =50% steady defense +25% steady attack +25% strong attack.

50% remains unchanged

First, put half of your savings in bank deposits or national debt. The function of this money is not to increase income, but to protect capital and avoid uncontrollable risks to wealth.

In addition to deposits and national debt, we can also pay attention to other low-risk wealth management products, such as RMB wealth management products and money market funds. The principal of investing in these wealth management products is relatively safe. Although the yields given are all expected returns, there is no absolute guarantee, but in fact the fluctuation range of the yields is not large.

25% of stable attacks

For the steady attack part, people who have a certain concept of investment and financial management can choose some financial products with small fluctuations and stable returns, such as hybrid funds and large blue chips, and pursue an annual income of 5%- 10%. However, before investing, you still have to do some homework and choose good stocks and funds. At the same time, the concept of portfolio is needed to reduce risks by diversifying investment.

25% storm

As for the storm part, it is the most exciting part of investment and financial management, such as growth stocks, stock funds, futures and so on. This will not only make people earn 10% a month, but also lose 10% a month. Investing in these high-risk and high-yield wealth management products must have a fairly high threshold of knowledge and experience. For wage earners who are not good at investing, it is best to start slowly and steadily. After gaining certain investment experience and profound skills, they will join the storm clan and pursue higher returns.

It should be pointed out that the offensive and defensive ratio of the "financial equation" can be flexibly adjusted, which mainly depends on the individual's risk tolerance and financial objectives. If you can take certain risks and have no big capital expenditure plan in the short term, you can increase the proportion of the storm, but it is recommended that this part should not exceed 50%. For conservative investors, we can increase the proportion of sound defense and reduce the proportion of storm.