2 Monetary funds, such as Yu 'ebao and WeChat Wealth Management, are all monetary funds, and they will basically not lose money;
3 bank capital preservation wealth management products, although there are not many such wealth management products, banks will have one or two similar products to attract customers;
4 Low-risk wealth management products, such as treasury bonds, financial bonds and other wealth management products are still relatively safe;
5 playing new shares is relatively low risk and high income, but you must have a stock account, and you must have a corresponding market value or freeze enough funds.
It should be noted that wealth management products are always risky, even bank deposits are risky. The expected income, investment direction and risks of different wealth management products are different. According to the capital preservation or not, it can be divided into capital preservation and non-capital preservation.
If investment is needed, banks sell many wealth management products, with different types of wealth management, wealth management benefits and risks. Do a good job in risk assessment and choose the financial products that suit you.
Extended data:
Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
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 the material foundation and are closely related to financial management.
"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only a foreign investment and financial management, but also a kind of financial management. If you don't know how to be invested, you don't know how to invest better.
Where can I manage my money?
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.
1. Bank investment
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
4.APP financial management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.
How to manage money
At present, you need to open a corresponding financial account when you go to a bank or a securities company for financial management.
Generally speaking, wealth management accounts opened through banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase government bonds 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.
The purpose of financial management
The purpose of financial management is not to make a lot of money, but to ensure or live a better life in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management.
This plan is very long and has three core meanings:
First, financial resources, to know what your financial resources are;
Second, life goals, we must have a clear understanding of our own life goals;
Third, there must be a series of unified and coordinated plans, and it is necessary to ensure that all plans will not conflict and can be achieved through coordination.
The core contents include insurance plan, investment plan, education plan, income tax plan, retirement plan and real estate plan. Using cash flow management to integrate all plans, coordinate all plans and make all plans conform to your cash flow, which is the core content of personal financial management.