In fact, financial management is not difficult. Financial management is a habit, not having to buy any financial products or invest in any projects.
Start with small details, not because of small goodness, nor because of small evils. Financial management is actually a process of many a mickle makes a mickle.
I've given you examples of paying off your mortgage and car loan before. No need to deposit in advance. Car loan 3000, mortgage 3000. A * * * 6000 yuan, the baby is close to 50 points a day. If you put it in the card 65,438+05 days in advance, 7.5 yuan will be gone. One year in 90 yuan, the car loan is no problem. Mortgage for 20 years. What's more, the mortgage in many places is far more than 3000. A 20-year mortgage will cost thousands or tens of thousands.
For example, many people overcharged for a few days. I have a friend who was in charge of a unit's finance and payroll for a while. Sometimes the funds will be allocated ten or twenty days in advance, and the amount is relatively large. When you told me about this, I suggested that Xingye's money could go to the shopkeeper to keep it safe, and then there would be interest. One day, he invited me to dinner and said that I received one or two thousand yuan a year for nothing.
So it is often a small habit, which can make the funds safer, and two sets of passwords have additional benefits.
In the past, a relative did tens of thousands of dollars of business every day, and basically bought goods once every half month. Basically, he put it directly in the change or bank card. I asked him to give it to the baby and spend it directly after use. In fact, the risk of the money fund is particularly small, and there is basically no loss, so the income fluctuates. Such wool must be padded, and thousands of pieces must be collected every year.
There are many small financial management cases, and not all of them can be sorted out if they want to give their money away. Now they just move their fingers and set an alarm clock to remind them of the repayment problem, so they don't have to feel troublesome.
What's more, this 60,000 to 70,000 yuan is your hard-earned money, so you should plan how to save it reasonably.
If you have the basic knowledge of the industry, you can choose to reserve some emergencies, save about 50,000 stable income, compound interest with rolling deposits (for those who haven't seen my previous question and answer), and then use 1 10,000 as futures. Don't think that futures are risky. See which one rises more and falls more, and it will definitely be risky.
I know a man who is not a friend. This man sells eggs and stocks. Stocks performed poorly, but futures performed well. I was curious and started talking.
He said that he has been doing egg wholesale for more than ten years, and futures only do eggs, because he can easily grasp the fluctuation law of eggs, and he will do more at the low position, short at the high position, invest little, earn some pocket money, and verify his guess.
Therefore, we should also find our own specialties and do our own financial management well. Those who make steel can make steel futures, those who sell soybeans can make soybean futures, and their own companies can make their own stocks when they go public.
Do what you are good at, don't touch what you don't understand, and give full play to your advantages to manage your finances.
Instead of buying a product as soon as I hear that the income is high, I can't meet expectations. Spend money to ask people to manage money, pay wages and spend part of the principal. Strangely, this investment can get rich returns.
So it's best not to borrow other people's hands to make investments.
Finally, the risk should be controlled by yourself, and the reserve fund should be enough to stabilize the basic income. It is ok for a small amount of funds to obtain excess returns, and the risks should be controlled by themselves.
Financial management is everywhere. If you develop good financial habits, Qian Shengqian.
Simply put:
1. If this money is spare money that does not affect your life, you can make financial investment, and try to choose formal channels for financial investment to avoid being cheated.
2. There are many wealth management products on the market, such as funds, gold and stocks.
3. Funds are relatively low-risk wealth management products, and the choice of funds and the timing of buying are very important. If you don't choose a fund, the best way to buy it is to buy it in batches, which can spread the cost and is relatively safe.
4. Gold varieties are relatively resistant to inflation at present, and it is safer to buy from formal channels such as banks, but the purchase time node is very important. In the long run, gold is a good investment product to resist the global economic downturn.
5. The volatility of stocks is greater than that of the first two varieties, which requires some professional skills and knowledge, as well as unlimited learning to keep up with the rhythm of the market. If you are not very professional, not logical, and have low risk-taking ability, it is recommended not to invest in stocks.
6. In short, if this money is idle money, you can choose safe and reliable wealth management products without affecting your life.
The money is not much, but you should have a sense of financial management. You don't manage money, money ignores you, and your monthly salary is 3000. You can plan for you how to deal with this huge sum of money, such as eating, traveling, telephone bills, utilities and so on. Arrange the planned expenditure reasonably every day and set aside a few hundred yuan for yourself. After many years, there will eventually be a lot of deposits. You will find that the accumulation of money needs you. 60 thousand yuan as a stock fund or bond fund or entering the stock market, properly operated, may make your assets expand rapidly. Often people's first bucket of gold is the most primitive capital accumulation, and they can make money with money slowly, and the efficiency will come back faster. Some people always want to eat a fat man in one bite, don't care about tens of thousands of dollars in their hands, and don't use their wealth. After a long time, tens of thousands of dollars in their hands were not spent much, and finally there was no even the most basic investment cost. So I want to say that no matter how much money you have, you must have a sense of financial management. If you don't manage your money, it will never talk to you. Remember this golden rule.
In this era of "you don't manage money, money ignores you", no matter how much money you have, you must manage money. But before financial management, we must first clarify a concept. Financial management is not equal to investment, and investment is only a part of financial management. Financial management includes not only investment, but also a series of planning and operations such as risk management and cash management. Generally speaking, it is portfolio investment and diversification.
As a novice in financial management, from a simple point of view, you can refer to "Financial Law 432 1", that is, divide the funds on hand into four parts, of which 40% is used for investment (including real estate), 30% for life, 20% for fixed-income products such as bank deposits and wealth management products, and 10% for insurance. In other words, if you spend 60,000 to 70,000 yuan, you can invest 20,000 to 30,000 yuan in some wealth management products with moderate risks, such as funds and stocks; About 20 thousand is used to meet the living expenses of about 3-6 months; 1- 1.5 million is used for time deposits or bank wealth management products; At the same time, buy a life insurance policy of around 67,000.
In this way, we can not only resist the personal risks brought by diseases and accidents, but also make progress offensive and retreat defensive through combined financial management, and realize the preservation and appreciation of funds as much as possible.
This needs to combine the landlord's risk tolerance and expected income. Conservative friends are, of course, small-scale funds with regular capital preservation and interest protection, while active friends can buy stocks and futures.
60,000 to 70,000 yuan insists on financial management, which is also a good income in the long run.
First of all, your savings will continue to increase, and then you can learn to manage money slowly. For the average white, 670,000 is a lot of start-up funds.
It is suggested to start with the fixed investment of off-exchange index funds. In the long run, there is no problem in beating inflation.
Look at the fund income from my investment for one year. I can make a profit of 4500 at most and lose 2500 at most in the middle. Choose good varieties, buy more when I fall, make stocks when I fall, and make money when I rise. Nothing is more perfect than investing in index funds.
Of course, I am also in the process of learning, and the above is purely personal.
If you have spare money, of course, you should manage your money. The sooner the better, 60,000 to 70,000. If you plan ahead, the financial benefits will still be considerable.
As for how to manage money, it depends on your investment preference. It depends on your expected rate of return, the risks you can bear, the investment period and so on. There are many ways to invest, and different products can be allocated in a balanced way according to personal preferences.
The simplest thing is to buy wealth management products, such as money funds such as Yu 'ebao, short-term wealth management of banks and so on. Although it is convenient to withdraw cash and the handling fee is very low, the rate of return is not too high, and the annualized income is only three or four points at most, and even inflation cannot escape.
The income of bond funds is stable, with an annualized rate of return of seven or eight points, and the higher rate of return can even reach 10%. And it is generally held for 30 days, and there is no handling fee for withdrawal.
You can also invest in funds, choose high-quality index funds and stock funds, hold them for a long time, keep investing, buy more and buy more, and continuously dilute the holding cost. In this way, if the fund rises slightly, your fund will float and reach the target rate of return, so you can stop making profits and start investing again. In the long run, the fixed investment fund is definitely a smile curve, and the yield is still very high.
Should be able to manage money. If you don't manage money, money will ignore you. Financial management can make money roll, which is a way to increase income. 60,000 to 70,000, not much to say, not a little to say. Specifically, there are the following kinds of financial management: if you are stable, you can buy the financial management of Huatai Securities Company with a yield of 5.08% and a term of 70 days. The installment is Huaxia Insurance Company Fortune 1, with a yield of about 4. 1% and a term of three years. Then buy government bonds, three years, the income of 4%; Five years, the income is 4.25%. Structured deposits in banks are also good, with a yield of about 3.5% and a term of six months or one year. If you have certain financial management ability and risk tolerance, you can buy funds, speculate on precious metals in accounts, buy low and sell high, and earn the difference. When you are new to financial management, start with low-risk financial management, cultivate certain financial management ability, and then buy medium-risk financial management. No matter what kind of financial management you buy, you must remember one sentence: financial management is risky, you must be cautious in investing, and you must buy financial management that matches your risk tolerance.
Of course, you have to save it. With savings, you will have confidence in your heart, and you will be more motivated and happier at work. Depending on how long you don't use it, you can buy wealth management products in the four major state-owned banks. The simplest thing is to deposit 10 thousand yuan first. Just use a card. You can do it at the outlets or in the pocket banks of all banks. You can do it for one day to three years, and you can't withdraw halfway. If you are uncertain, you can deposit a time savings deposit and withdraw it at any time in case of emergency, but the interest is current interest. If it is convenient, you can withdraw part in advance, and the rest will not affect the normal maturity.
Should manage money!
When you have a sum of money, how should you manage it?
First, we can divide the money into three parts.
1, life reserve fund
2. Insurance premium
3. Investment funds
Let's look at 1. Living reserve refers to our living expenses for three to six months. Especially in the current epidemic situation, our work is unstable and needs to be used in emergencies.
For this money, just put the balance treasure or WeChat change pass directly, because the living expenses need to be taken at any time. These two are the most convenient to use and pick up, and they are still beneficial.
Let's look at the insurance money again. One or two people in each family who reduce the burden of "income" should provide insurance, including critical illness insurance, medical insurance, accident insurance and life insurance. But there are many insurance pits, so it is useless to buy them if you are not careful. If a small boss is interested, you can comment and tell me, and I will give a special video explanation.
Finally, let's look at investment funds. Because at 1, we have spent 3-6 months of living expenses, so the investment needs to be money that we can't use up for a long time. If you plan to spend some money within a year, then don't count this part of the money into the investment fund.
Then we can put the money in two places:
Index fund fixed investment and pure debt fund.
The risk of pure debt fund is relatively low. If we cooperate, we can achieve the effect of "both offensive and defensive".
So how do you divide the proportion between them? We can calculate the risk you can bear according to your age:
Risk tolerance = 100- age, followed by a percent sign.
For example, if I am 25 years old and my risk tolerance is 75%, then the proportion of index funds with relatively high risks is 75%.
The rest is the investment ratio of low-risk pure debt funds.
The annualized income of fixed investment index funds is about 10%. Fund fixed investment is a more suitable investment method for Xiaobai. For details, you can watch my video "Punch Challenge of Fixed Investment for 30 Years".
The fund's fixed investment is mainly to pursue long-term benefits, so we must be psychologically prepared for long-term fixed investment.
The annualized income of pure debt funds is 5%-7%. Pure debt fund is a vegetable basket, which only contains bonds and no other investment products such as stocks. We bought it to balance the risks.
Pure debt funds have good long-term returns, but they are not risk-free and may fluctuate in the short term.
Although there are risks, the risks are much smaller than those of stock funds, and the long-term returns are good.
What kind of pure debt fund should I buy? I recommended it in my video "How to manage money with a sum of money at hand". You can click on my avatar to see ~