1, determine the financial objectives.

The goal of financial management can be divided into three types: saving money, preserving value and increasing value. Saving money is the lowest financial goal. It doesn't matter whether the money in the bank increases or decreases. As long as you save enough money, you can buy things. Preserving value is more technical, you need to consider where your money is invested, and financial management consumes more energy; It is even more difficult to add value. In fact, the essence of maintaining and increasing value is the same. You need to put your experience into the analysis of financial products such as stocks, markets and futures, or buy some value-added goods. This also requires you to have a certain economic mind and spend some experience. Consider your own economic strength and energy that can be used for financial management, and then decide your own financial management goals.

2. Make a financial plan

After analyzing your financial goals, you can make a financial plan. In this step, you should consider which part of your income can be used for financial management. For people with higher economic income (monthly income of more than N million), economic income can be divided into three parts: consumption, savings and investment. People with high safety requirements can save more and invest less, while optimists can spend more and invest less; You can save less money and invest more in something challenging. If the monthly income is less than 65,438+0,000, you can consider reducing consumption and increasing savings. If there is a certain economic accumulation, you can also invest in some projects with less risk.

3, determine the investment projects

At present, savings can't achieve the purpose of maintaining and increasing value, because the bank interest rate is too low and the RMB depreciates quickly, so use money to buy a certain commodity and then use it to maintain and increase value of your money. This is the basic principle of financial management. If you have a lot of time to manage money outside of work, you can choose some short-term investments, so that the liquidity of funds will be faster. If you don't have much time to consider investment projects (such as stocks), you'd better choose some long-term and safe bank financing projects, such as government bonds and money funds.

Step 4 know the source of the news

Now is the information society. Mastering an important piece of information can make you rich overnight. For example, if you know that a stock may go up these two days, you may make a fortune these days. The news that is most likely to make you rich overnight is inside information, usually from relatives and friends; Generally, people who speculate in stocks should pay attention to news at home and abroad; There are also some national policy adjustments that should be paid attention to at any time.

5. Diversified investment fields

It is said that eggs can't be put in one basket. For example, if you invest in oil and gold at the same time, there will often be ups and downs. You won't lose all your money at once, which is very safe and achieves the purpose of preserving value. Want to achieve the purpose of value-added, need more professional operation, but the basic principle is to buy at a low price and sell at a high price.

6. Limit the investment period

Before investing, you should decide when to recover your capital. For example, before buying stocks, you have to decide whether to do long-term follow-up or short-term speculation. Without a deadline, it is easy to have the mentality of "waiting", because investment is like gambling, and everyone has the thinking of "unlucky today, winning back tomorrow". Once the stock price falls, you are not willing to give up so much, and choosing to follow up will cause greater losses. So, before you start, you should know when it will end.

So the recommended configuration method is:

Short-term: money fund can maximize the role of idle cash.

Mid-term: fixed deposit or high-grade bonds with stable income; Many people despise fixed deposit, but don't ignore the learning cost saved by fixed deposit; Income such as year-end bonus and red envelope can be invested in this part.

Long-term: invest in stock index funds, and be prepared to add value after 10 years. For young people, this is a good pension supplement scheme.

The proportion of these three can be configured according to your actual situation, and the risk, income and liquidity should be balanced. When it comes to financial management, many people only consider income. In fact, controlling risks is the most important thing, and ensuring liquidity is also very important.