How does the 27-year-old zero-based financial management white manage money? (Introduction to Xiaobai? )

First, learn to save by force.

Second, know the value of time.

Third, use compound interest.

Hello, I am Wuji, an old driver in the financial industry 10 years. Let me answer this question.

Financial management, for the 27-year-old landlord, it is good to have this awareness, because financial management is a matter of early start and early benefit. For non-financial professional landlords, the first thing to understand is what we usually say about financial management.

First, actively manage investments such as stock speculation, futures speculation and foreign exchange speculation. For the landlord, it is ok to spend a little money to experience stock trading. As for futures and foreign exchange, mowgli doesn't recommend it here because there are real risks. In terms of difficulty, stocks are relatively simple. Financial management is nothing more than making money. As long as you can make money, you can fry anything. For beginners, stocks are easy to use and understand, so they are the best active investment targets. However, although it is the simplest, the landlord should be careful to understand the difficulties of stock trading, so as to avoid putting more money into the stock market and causing greater losses with the increase of income in the future. Why the sooner they manage their money, the better, because the sooner they understand that it is not easy to stock market, the more they can reduce the investment in future stock investment. Of course, if the landlord is gifted and can make money, congratulations, I have found a suitable financial management method.

Second, buy a fund. There are many kinds of funds, such as stock type, bond type and hybrid type. For beginners, this choice is better than stock trading, but stock trading is something that young people are likely to involve in the future, so it is still possible to experience it. The fund is to let professionals fire you and charge you a little management fee, but in theory it should be more likely than you to make money yourself. The way to buy a fund is to choose a fund to vote. As for what kind of fixed investment, in fact, stocks can be. After all, the bull market is coming, and they all make money. The hardest thing about a fixed investment is persistence. As long as you can persist, making money is certain.

Third, the baby fund, that is, the money fund, Alipay, WeChat change, can be easily saved. This should be known.

Finally, I told the landlord that financial management is more of a consciousness. If you are interested in stocks, it is ok to invest appropriately and feel the fun. Don't invest too much. And if you want to manage money, the landlord needs to spend some time learning relevant professional knowledge, and at the same time cultivate his own risk awareness. Whether you will have money or not in the future, risk awareness can be applied to your life. It is also good to learn more knowledge by learning the opportunity of financial management. I believe that the landlord will not read my answer and will do exactly as I say. Here, tell the landlord about the composition of the current wealth management products. If you have any ideas, you can go to Baidu.

At present, securities companies, futures companies, fund companies, banks and trust companies are the legal financial institutions corresponding to CSRC and China Banking and Insurance Regulatory Commission. The corresponding products mainly include bank wealth management products and trust products issued by securities dealers, off-site securities dealers, Public Offering of Fund, private equity funds and bank wealth management subsidiaries. Know the details yourself, and then confirm them, so that you can be practical when managing money. It is certainly desirable to listen to others, and more is to verify it yourself.

The sooner you start managing your finances, the better. Similarly, you will invest 1 0,000 yuan every month. At the age of 60, he began to manage money, and at the age of 20, his assets differed by as much as one million. But being conscious is better than nothing. Congratulations on your idea, but I hope that once you start, don't stop. I have three suggestions on financial management:

1, learning, first of all, the best investment in the world is to invest in yourself, and making yourself better is the first step. Secondly, financial management needs continuous learning, and what can go on in financial management is the result of continuous learning.

2. Mandatory savings. No matter how much money you earn, whether it is 1000 or 10000, you always have to set aside 10% for investment and accumulation.

3. Easy first, then difficult. Start with the fixed investment of money funds, bank wealth management products and index funds. Wait until these basic products are pure, and then set foot in high-risk investment products such as stocks. Study first, and then do experiments with a small sum of money.

I hope you can stick to it! ! !

How does financial management white manage money?

Yuzhumingyue 2021-04-2211:33: 00

First, strengthen study.

Since it's a little white in financial management, we should strengthen our study. You can read introductory books on financial management, especially the classic financial management bibliography. For example, Babylonian rich man's financial bible, dog Qian Qian, rich father and poor father, the road to wealth freedom, white-collar financial diary and so on. Only by learning and mastering basic theories and skills can we get twice the result with half the effort and avoid detours.