How to achieve high returns and better financial management can refer to the following seven points:
1. First of all, it must be clear that the funds for financial management are not your own living expenses. In other words, wealth management funds do not need to be used in the short term, and belong to their own deposits and balances.
2. The purpose of financial management is to preserve and increase the value of assets, at least to fight inflation. Therefore, financial management should be based on stability, and we should not unilaterally pursue excessive returns.
3. Personal financial habits are to implement the weight of financial assets according to 1: 2: 3: 4, and avoid putting eggs in one basket, which can reduce risks and increase income.
4. Use 40% of wealth management funds for time deposits. You can choose a bank with a higher deposit interest rate to make a time deposit. The risk is small, and the income is higher than the current period, mainly because of safety.
5. Use 30% of wealth management funds for wealth management funds. The risk of wealth management funds is higher than that of bank deposits, and the risk is relatively small, and there is basically no loss of principal.
6. Use 20% of wealth management funds for medium and high-risk funds or bonds. This kind of risk is higher than the above two kinds, and the income is also higher than the above two kinds, and the principal may be lost.
7. Use 10% of wealth management funds for stocks. Stock has the highest risk and great volatility, but the return is also considerable.
Extended data:
1. Many young people are impetuous. Before entering the door of financial management, what they want is the highest income. You should know that a profit corresponds to a risk, and the maximization of profit is the maximization of risk.
For example, gambling, stock trading and currency speculation can make people get rich quickly in a short time, but it may also make you bankrupt overnight.
The purpose of financial management is to make wealth grow steadily, beat inflation, and keep the money in hand from depreciating, instead of turning you from a poor man into a rich man.
Therefore, I suggest that you learn the basics of financial management in a down-to-earth manner and put the safety of principal first.
2. If you think that the yield of the above wealth management products is too low to bear certain risks, then it is recommended to try P2P wealth management.
At present, among fixed-income wealth management products, the yield advantage of P2P wealth management products is very obvious. At present, the industry average rate of return is between 9%- 10%.
Many people feel very risky when they hear P2P, mainly because of the barbaric growth of the industry in recent years, which has led to a large number of platforms running away or illegally raising funds. However, in the past two years, industry supervision has been very strict, and a large number of platforms have opted out. Now the security of some head platforms in the industry is still relatively high.
3. If you can insist on long-term investment, you can consider the fixed investment of the fund. If you can't choose a base, the easiest way is to choose an index fund and make a fixed investment once a month, and set the fixed investment time on the second day of payday.