Hello! ! I have two plans for you! ! ! 1 Fixed fund investment (fixed-term fixed investment fund) refers to a fixed amount (such as 500 yuan) invested in a designated open-end fund at a fixed time (such as the 8th of each month), which is similar to the bank's zero deposit and withdrawal method. This kind of investment can average the cost and spread the risk, which is more suitable for long-term investment. The specific amount ratio is still determined by yourself! ! 2 Twelve certificates of deposit method If you are a cautious investor and prefer to save, I suggest you adopt the twelve certificates of deposit method! ! The term of a monthly time deposit certificate can be set at one year, and this can be done every month. After one year, you will have 12 one-year time deposit certificate. Starting from the second year, a certificate of deposit will expire every month. If it is urgent, you can use it without losing deposit interest. Of course, if there is no urgent need, these certificates of deposit can be automatically renewed (it must be noted that each certificate of deposit is best set to be automatically renewed when it expires). From the second year, you can add the money to be deposited every month to this certificate of deposit due in the current month, continue to roll it over, and add the money to be deposited in the current month to the certificate of deposit due in the current month to make a new certificate of deposit. (Give full play to the flexibility of saving) This is the method I use at present! ! As for radical, stock and the like, I won't provide you with information if I'm not familiar with it, hehe ~! ! There is also a classic case of ladder storage method: take 50 thousand yuan as an example: 20 thousand yuan has a life span, which is convenient for withdrawal at any time; 30,000 yuan 1 year, 2 years and 3 years are 1 10,000 yuan respectively. After 1 year, the due 1 ,000 yuan will be saved for another 3 years, and so on. The certificates of deposit held for three years are all three years, but the maturity years are different, and the difference is 1 year in turn.

The advantage of this method is that the annual savings period keeps equal balance, which can not only cope with the adjustment of savings interest rate, but also obtain higher interest on 3-year deposits. Suitable for working families! ! Financial management is a habit that needs long-term persistence, my friend! ! If you don't manage money, money will ignore you. I wish you happiness ~ ~ Webber1214 2010.05.05