In recent years, many financial bloggers and websites will say that the next decade will be a decade of financial management, just like not buying a house in the past decade, we will miss the golden period of financial management. So what is the real situation? Bian Xiao is also an ordinary person with ten years of financial management experience. I have also read many articles and books related to financial management. Here are some simple questions related to financial management (I don't understand).

First of all, how to make money from financial management? There are different ways to make money. Some financial management depends on interest. Such wealth management products include: bank deposits, certificates of deposit, and some fixed-income products; Some financial management relies on fluctuations in the stock market and the bond market to make money. Of course, since it is fluctuating, of course, it will not keep rising, and sometimes it will lose money. Bian Xiao thinks buying stocks, speculating coins, investing in precious metals, speculating in futures and so on. It's not financial management, because the risk is too great, most people lose money in financial management ... If you really want to play, then use your spare money that you haven't used for a long time, find the right opportunity, hold the investment for a long time, and maybe you will have a chance. Don't use the lever!

Generally speaking, it is no problem to manage money and make money. Depends on how you invest. In addition, it is best to find the right platform and find a formal bank and investment platform for financial management. Don't just download an APP online and start managing money. Be careful not to lose blood. There are too many such cases!

So is there the simplest way to manage money? At present, the best deposit certificate is the bank's large deposit certificate, which is the simplest way to manage money. The yield is relatively high, but there is a certain capital threshold. You can go to the local bank to inquire about the relevant situation of large deposit certificates.

If you think you earn less on certificates of deposit and want to take some risks to earn more money, you can consider buying mixed funds and index funds of various ETFs. If the time line is extended to more than three years, such funds will earn more than 90% of the probability, and there may be good returns!

But the premise is: you must use spare money and invest for a long time, and don't affect your mood because of ups and downs!