Making money through financial management generally refers to the income generated by using one's own principal to invest. Generally speaking, it's Qian Shengqian. For example, buying funds, stocks, creditor's rights and other financial projects can achieve the purpose of making money, but it needs to be clear that if you want to make money through financial management, you must have money to invest in order to make money. You must pay attention to distinguish that investment is risky and be cautious when entering the business. Learn financial management knowledge first and arm your brain with knowledge. In the early stage of learning investment and financial management, we must learn the thinking of investment and financial management.

2. What are the wealth management products?

1. Bank deposit: various time deposit or demand deposit services. All banks have automatic deposit transfer service, lump-sum deposit and withdrawal, and similar deposit methods. Monetary funds: current savings.

"Fixed deposit by installment" means: monthly fixed deposit, generally from 5 yuan, with a term of one year, three years and five years. The deposit amount is determined by the depositor, and the principal and interest will be withdrawn at maturity. The calculation method of interest is the same as that of installment time deposit. If there is a missing deposit in the middle, it needs to be made up next month. If not, the interest shall be calculated according to the actual deposit amount and actual deposit period at the time of withdrawal and the current interest rate announced by the People's Bank of China on the date of withdrawal. It can be said that lump-sum deposit and withdrawal is a way of compulsory deposit, and the same amount is fixed every month. People who want to be "moonlight clan" can form the good habit of "saving money" in this way.

2. Various funds. Monetary fund is an open-end fund, which mainly invests in stable financial products such as central bank bills, book-entry treasury bonds, financial bonds and agreement deposits. Because it doesn't have subscription and redemption fees like other open-end funds, investors can regard it as "current savings" and purchase and redeem it at any time. It usually takes 2 to 3 working days from issuing a redemption instruction to being able to withdraw cash.

Direct investment in futures or stocks is usually called "futures speculation" or "stock speculation"

4. Purchase physical investment: such as buying precious metals such as gold, or jewelry, or antique calligraphy and painting.

Third, the risk coefficient of wealth management products.

1, bank financing: bank savings are not, and the interest rate is low, which can be directly ignored. However, the interest rate of bank wealth management products is generally between 4% and 6%, which is a good choice for stable investors. Pay attention to the difference between capital preservation and non-capital preservation of wealth management products, but even without capital preservation, the probability of loss is still relatively low.

2. Funds: The risks of funds vary according to types. Stock market fund (15%-30%) > Index fund (10%-15%) >; Bond fund (5%-10%) >; Monetary Fund (4%-6%).

3. stocks: high risk and high return. Learn how to invest before investing in stocks. And hold it for a long time, because time will spread some risks. Buffett said that holding a stock for at least 20 years.