According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s.

With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular.

Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.

General wealth management products are as follows:

1, bank time deposit

Danger degree: 1.

The yield is 2%~3%. Generally speaking, it is very safe to deposit money in the bank regularly. Therefore, the risk level of bank time deposits ranks first among many wealth management products, with the highest safety performance. And there is basically no risk of loss when the money is deposited in the bank.

2. National debt

Hazard degree: 1.5.

In a word, if you lend money to the state and the China government issues it, the income is generally slightly higher than that of the bank, and it is guaranteed by the state, so the risk is low and the safety performance is very high, unless the China government goes bankrupt, but the possibility is generally very small. When your deposit time is up, your principal and income will go into your pocket.

3. Monetary Fund

Danger degree: Grade II

Generally, money funds such as WeChat Bitong, Yu 'ebao, cash treasure and Xiaojinku have an annualized rate of return of 2%~3%, which is higher than bank deposits and can be withdrawn at any time, which is particularly convenient.

Step 4 trust

Danger level: Grade 4

Trust products require a higher threshold and have a principal requirement. Generally, it is more than 654.38+00,000 yuan, and the annual rate of return is about 654.38+00%. In terms of security, trust products cannot be guaranteed. Although the benefits are high, the risks are also high.

5. Equity funds

Danger level: level 5

Compared with money funds, bond funds and banks, stock funds have high risks and high returns. If the market is good and stock funds rise, then their returns are higher than those of money funds, bond funds and banks. On the contrary, if it is falling, the income is lower than that of money funds, bond funds and banks, and the principal may be lost.

5. stocks

Danger level: level 6

Stock risk belongs to high risk and high return, and belongs to products that either earn a lot or lose a lot. The output is particularly unstable. Many people want to make a fortune through stock trading, but few can really do it.

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 financing

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. Financial management of investment companies

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.