The income of most office workers is not very high, so we should learn to manage money, so as to save money better and increase personal wealth. So how do ordinary office workers manage their finances? The following is a collection of 2021_ 200,000 ordinary office workers' financial management and investment. I hope I can help you.
How do ordinary office workers manage their finances
1, reasonably plan expenditure: as the saying goes, increase revenue and reduce expenditure. This is something that most people find difficult to do. Therefore, set a consumption ceiling, clearly plan how much to spend each month, and don't let yourself spend in advance. We must abide by this rule. Rational consumption is an important step to develop a good concept of financial management.
2. Insist on saving: save appropriate current or fixed-term funds every month for emergencies, and you can withdraw them at any time. It is best to invest with spare money. Once it is temporarily locked due to market fluctuations, it will not affect daily life. Remember one sentence: if you earn, you still have to pay, or you have to be in good health.
3. Choose sound financial products: It is precisely because of the limited economy that office workers should choose sound financial products, such as government bonds and funds, which are safe and not easy to lose money. As for high-risk financial products such as stocks and futures, it is recommended to invest less. Don't invest too much money, or you may lose everything if you are not careful.
4. Diversified portfolio investment: When you have a preliminary investment awareness, you can contact many investment methods. But the mentality of investing in projects with different risks is also different. High risk also means high income, and low risk also means relative safety.
5. Control overdraft: Credit card is an angel and a devil. When purchasing goods rationally, ask yourself if it is necessary. Don't buy what you can. Nonsense, it will be miserable if you brush it to the repayment date. You can borrow money everywhere, or apply for a credit card everywhere, but you have to pay it back in the end. So rational consumption is king.
Generally speaking, if ordinary office workers want to do a good job in financial management, they must first have a reasonable financial planning. In daily life, we should pay attention not to over-consume, and insist on saving. In terms of investment, it is recommended to choose some sound financial products, because office workers are usually busy and should pay attention to controlling risks.
200,000 how to invest and manage money?
First, low-risk financial management. Generally speaking, the income from depositing 200,000 yuan in the bank is not very high, and the annual interest is only about 4,500 yuan. If you want to get higher income, you can choose some low-risk wealth management products, such as Yu 'ebao and Licaitong, with higher income than bank deposits.
The second is medium and high risk products. If investors pursue high returns, they can also buy high-risk products such as stocks, but it may cause the risk of principal loss, so everyone must consider it clearly before investing. In addition, you can also diversify your investment and maximize your income.
What is the death period of 0.2 million/200 thousand a year
In fact, the interest on bank deposits is mainly calculated according to the interest rate. According to the current interest rate of many banks 1.75%, 200,000 yuan deposited in the bank for one year can get interest = principal × term × interest rate = 200,000 × 1 year ×1.75% = 3,500 yuan.
At present, the deposit and withdrawal interest rates of banks are three months 1.35%, six months 1.55%, one year 1.75%, two years' 2.25%, three years' 2.75% and five years' 2.75%. The annual interest rate of lump-sum deposit and lump-sum deposit and lump-sum deposit is 1.35% for three years, 1.55% for three years and 1.55% for five years.