According to the statistics of Wang Zhongyin Data Center, the word "financial management" first appeared in the late 1990s.
With the expansion of the domestic stock and bond market, the enrichment of commercial banks and retail businesses and the increase of citizens' income, the concept of "financial management" has gradually become popular.
Personal wealth management can be roughly divided into personal assets and personal liabilities. * * * There are 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.
Extended information:
General wealth management products are as follows:
1. Bank time deposit
Risk level: 1.
The yield is 2%~3%. Generally speaking, it is safe to keep money in the bank for a fixed period of time. Therefore, the risk level of bank time deposits ranks first among many wealth management products, with the highest safety performance. Moreover, there is a national guarantee, and there is basically no loss risk for money deposit banks.
2. National debt
Risk level: 1.5
In short, if you lend money to the country and the China government issues it, the income is generally slightly higher than that of the bank. National guarantee, low risk and high safety performance. Unless the China government goes bankrupt, it is unlikely. When your deposit time is up, your principal and income will go into your pocket.
3. Monetary Fund
Risk level: Level 2
Generally, the annualized rate of return of money funds such as WeChat Qiantong, Yu 'ebao, cash treasure and Xiaojinku is 2%~3%, which is higher than bank deposits and can be withdrawn at any time, which is particularly convenient.
trust
Risk level: level 4
Trust products have high requirements and have principal requirements. 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
Risk level: level 5
Compared with money funds, bond funds and bank term funds, stock funds have the characteristics of high risk and high income. If the market is good and stock funds rise, their yields are higher than those of money funds, bond funds and bank time funds. On the other hand, if it falls, its yield is lower than that of money funds, bond funds and bank term funds, and it may even lose its principal.
5. stocks
Risk level: level 6
Stocks are high-risk and high-yield products, which either earn a lot or lose a lot. The rate of return 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, domestic institutions that can provide financial services to customers 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
Financial management generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences.
3. Investment enterprise financing.
Corporate financing generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. With high initial capital requirements, it 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.