Monthly interest rate:

150/ 10000* 100%= 1.5%,

This is because the interest rate is relatively high, but it is not more than four times the bank interest rate, which is legal.

At present, you need to open a corresponding financial account when you go to a bank or a securities company for financial management. Generally speaking, wealth management accounts opened through banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase government bonds through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters. [7]

The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.

The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

The purpose of financial management

The purpose of financial management is not to make a lot of money, but to ensure or live a better life in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management.

This plan is very long and has three core meanings:

First, financial resources, to know what your financial resources are;

Second, life goals, we must have a clear understanding of our own life goals;

Third, there must be a series of unified and coordinated plans, and it is necessary to ensure that all plans will not conflict and can be achieved through coordination.

The core contents include insurance plan, investment plan, education plan, income tax plan, retirement plan and real estate plan. Using cash flow management to integrate all plans, coordinate all plans and make all plans conform to your cash flow, which is the core content of personal financial management.