Financial management is a rigorous discipline, just like Chinese medicine. You need to ask questions to provide the best financial plan. In financial consultation, you need to provide income, expenses, assets (car, house, stock fund insurance, etc. ), debt and financial goals, professional financial planners will provide you with appropriate solutions. Online financial planner -450644600)
Generally speaking, first of all, the most basic way of financial management is to learn to keep accounts first, and find out the reasonable and unreasonable items of your income and expenditure through accounting, so as to increase revenue and reduce expenditure.
Secondly, the guarantee of insurance, which plays a very important role in financial management. Even if you earn 500,000,654.38+0,000, without the guarantee of insurance, you may return to before liberation overnight. So there must be some protection. It is suggested to start with the guaranteed insurance, such as accident insurance and health insurance.
Thirdly, the preparation of cash flow, according to the advice of experts and the customer base of Guangyu Finance Company, generally needs to save 3-6 months of total living expenses to cope with sudden accidents, diseases, or temporary unemployment, resulting in no source of income. For example, if I spend 3000 yuan a month, how much spare money should I leave? Generally speaking, 3000X3=9000 yuan, 3000 X6 = 18000 yuan, so it is suggested to keep a current deposit of about 15000 yuan.
On the fixed deposit of national debt and gold. The income of time deposit is really low, and it will depreciate every day when it is placed in the bank. In fact, the bond yield is not high, and it is a safe-haven tool. It is good to have some. And gold, unless you are a professional speculator or have more than one million assets, it is not recommended for people with low assets to hold gold to preserve their value.
Regarding the fixed investment of the fund, whether it is high-risk and high-yield, it is a steady capital preservation and guaranteed income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
About stocks and gold, etc. Stocks and gold can get high returns, and they are also one of the indispensable financial management tools in income-oriented products. But generally speaking, there are only four kinds of people who can make money in the financial market, namely 1 institutional investors, 2 professional traders, 3-year-old senior investors and 4 people who learn to rely on others' strength. In addition, if you can make money just because of luck, if you can't be the first three people who make money, you might as well be the fourth person who learns to use the power of others. With the help of our excellent traders, we can make money from the financial market more easily. Check my profile and contact information. Annual income 10% or more is not a problem.