1. Make a financial plan

Financial management is a way of life, just like career planning, financial management also needs to specify a reasonable financial management plan.

Start from three aspects.

Make short-,medium-and long-term financial plans

When making a plan, there should be a specific deadline and a specific number of goals. Only in this way can a vague big plan be broken down step by step into executable steps every month or even every week and day.

For example:

Your short-term plan is to save 20 thousand yuan next year, and you need to save 2000 yuan every month, so how should you arrange your monthly salary?

Your medium-term plan is to save 65438+ million in three years and buy a car. Your salary has been saved by 50 thousand, and you already have 20 thousand in your hand. You can make a profit of 50 thousand after investing for another three years. What kind of investment is needed? Will you continue to invest the principal in the future?

Of course, you must make a reasonable plan. If you are going to have endless money, you are daydreaming.

2. Re-quote regularly

As the saying goes, plans can't keep up with changes. Making a financial plan is different. Remember to reply in time and modify the plan. See if you have any problems in the process of completing the plan, can you correct them, and whether the follow-up plan will be affected.

Moreover, financial investment is a continuous learning process. When you really manage your money, your financial ability will be improved, and you can make a better financial plan.

3. Know your investment style.

When opening an account, most of them will have an investment style test. This is not a useless process, so you must finish it carefully. This will determine your psychological endurance and let you know your investment style.

The return on investment is always proportional to the risk. Everyone wants to get higher returns, but not everyone can afford too high risks.

Asset allocation is to pursue the return in line with one's own investment style on the premise of reasonably diversifying investment risks. Investment styles are generally divided into five types: conservative, steady, balanced, positive and radical. In other words, "don't put your eggs in the same basket."

It is best to allocate assets according to your own investment style, and never give up diversifying risks in pursuit of high returns, otherwise a failed investment will affect your investment career.

4. Flexible allocation of assets

Financial management ≠ investment, necessary guaranteed savings, short-term living expenses and working capital are all part of financial management distribution.

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This is the most influential credit rating agency, which investigates the global100000 families with stable asset growth, and analyzes and summarizes their family financial management methods. Of course, it is not entirely applicable to everyone, but it can be used as a reference for young people who have just entered the financial circle.