Each stage is different, and the focus of financial management will be a little different, but in general, if it is a zero-based small white, it is recommended to start with low-risk financial management, first understand, and invest with a small amount of funds, such as money funds and pure debt funds.
Money fund and pure debt fund are the two types of funds with the least risk, and their income is very stable. If you want to survive, you can consider it, because both of them basically belong to T+ 1, and the withdrawal time is not long, and the flexibility will be higher.
Then advanced financial management is a high-risk hybrid fund, index fund, stock fund and so on. This kind of risk is high, so is the income, which will be higher. When investing, you can use the fixed investment of the fund to spread the risk.
However, it should be noted that although the fund's fixed investment can spread risks, there are also certain risks. For example, if the fund chosen by investors is not good, and the fund always falls more and rises less, like a bottomless pit, then the fixed investment of the fund will stop, so as to avoid greater losses, and the fixed investment of the fund must find the right fund.
Finally, there are stock trading and futures. The risk of stock trading and futures is relatively high. If you don't have certain professional knowledge or special love, Xiaobai, who is based on zero, suggests not to buy blindly and casually. It is easy to lose money.