Clear investment and financial management objectives generally follow the following three principles.

1, the goal of financial management should be specific, such as buying a house or a car;

2. The goal of financial management should be realistic. With a monthly salary of more than 2,000 yuan, you don't need to buy a house as a financial goal.

3. Financial goals should be time-limited, and you should be clear about what financial goals you can achieve within what time limit.

Second, risk self-assessment.

There are many risk assessment questionnaires online now. Investors can test whether it is risk-oriented or stable, and different risk preferences are suitable for different wealth management products.

Third, analyze your own financial situation.

Investors must know their financial situation before investing in financial management. Pay special attention to your fixed assets, idle funds and liabilities. Debt-free is light. If an investor is in debt, the first consideration should be to pay off the debt.

4. Reasonable allocation of investment amount

The ways of investment and financial management include bank deposits and bank financial products. Investors can choose wealth management products according to their own risk preferences and allocate the investment amount reasonably.

Verb (abbreviation of verb) Evaluation and adjustment of financial planning

No financial plan can be static. Investors must make timely adjustments according to the changes in the external market environment and their own financial situation, and avoid the mentality of "changing with the constant".