A few years after graduation, most people have little savings. It can range from tens of thousands to hundreds of thousands. With this principal, we can talk about financial management. Financial management is no longer a privilege for the rich. Now is the era of financial management for all. The higher the principal, the higher the interest will naturally be. Ordinary people like you and me, even if we only have a pitiful few tens of thousands of yuan, can make a living through financial management. The little things add up, and the "wool party" also has spring.
Formal financial management on the market, taking annual income as an example, is nothing more than the following:
? The first category, annualized income of about 5%. It's like a bank financial product, but its starting price is 50,000. Moreover, this income is expected, not a fixed periodic income. In the end, there is nothing you can do without a 5% interest rate. There is also Alipay's regular financial management project, which is similar to bank financial products, starting from 50,000. The characteristics of this type of financial products are low risk, but the disadvantages are low returns and poor liquidity. However, they also outperform inflation.
The second category, annualized income of about 10%. Ordinary novices should be satisfied if they reach this level. After all, you don't need to analyze the market or pay attention to policies and market conditions. Just put your money on a reliable platform, let professionals manage your finances for you, and wait for the interest to arrive. P2p organizations can reach this level, but this industry is a mixed bag, and it is difficult to distinguish between true and false. There were many platforms that ran away and went bankrupt before. Although the regulatory authorities are vigorously making rectifications and raising market access thresholds, how many platforms have truly managed funds and have certificates that can be verified? A good platform requires you to have a keen eye and know how to distinguish: look at the size of the platform, certificates, establishment time, and multiple reviews... Moreover, p2p platforms also keep cutting interest rates. In 2013, the annual yield reached about 20%, and now it has 10% interest. You will be secretly happy.
? The third category, annualized income of about 15%. To achieve this goal, you must not rely on p2p platforms, as the risks are too great. Good funds can achieve this easily. The average annual return of the fund is 17%. Based on my 3 years of fund experience, a monthly return of 10% is possible. Choosing the right fund is of course not an easy task and requires corresponding theoretical support.
? The fourth category, annualized income of more than 20%. It is possible to speculate in stocks, gold, futures... it is all possible. Those who can reach this level are all great figures, people who have in-depth research on the investment market and have the corresponding resources. The average annual return rate of the stock god Buffett is also 20%. The stock market is very risky. Basically, "one profit, two draws and seven losses". Novices should take their time.
In summary, we can focus on the following two choices:
1. Reliable p2p platform
There are still reliable p2p platforms. From my practice Judging from experience, Weidai.com and Orange Financial Management are both high-quality platforms. I registered on Weidai.com in 2014 and have been using it ever since. It has always been safe and reliable. Unfortunately, this year the annual interest rate has been below 10%, so I haven’t invested in it for half a year. What I want to focus on is Orange Financial Management. This is the platform I have been investing in, and I have recommended it to my friends several times, and their response has been very good. First, this platform is safe and reliable. It is a company under Fenqile. Most people should have heard of Lexin Group. It has received investment from multiple parties, including JD.com, and its funds are custodian banks, so there is no need to worry about running away. Second, capital liquidity is strong. The products are rich, and you can buy 12-month fixed deposits and 6-month fixed deposits for funds that will not be used for a long time. If you want to use it in the near future, you can buy monthly rising, 1-month fixed deposit, etc. Third, the activities are rich and interactive. Orange Financial Management holds various activities from time to time: 99 Financial Management Festival, user story interviews, etc. I feel that the company is very dynamic. In fact, as a novice user, or someone who is busy at work and has no time to manage money, p2p can completely meet your requirements. It is equivalent to a bank's fixed-term product, with principal and interest repaid upon maturity and high returns. As long as this platform is reliable, you don't need to consider other issues.
? 2. Fund speculation
Many people say that you cannot make money by speculating in funds. It is probably because you do not have the patience to wait and repeatedly buy and sell in a short period of time. It is also possible that you bought the wrong fund, such as currency funds, which have a small increase. If your principal is small, you will not see any returns. It is also possible that you entered the market at the wrong time. If you bought it at a high level, such as entering the market at more than 6,000 points, then the foundation you bought is destined to go downhill. There are many types of funds: hybrid funds, currency funds, stock funds, index funds, etc. Personally, I prefer index funds because they are not very active and have low fees. Basically, you only need to look at the market index. This is also the type of fund recommended by stock god Buffett, and is especially suitable for fixed-term investment in funds.
Through the above two fund combinations, your annual income will reach at least 10%, which is a relatively gratifying achievement. Of course, three years after graduation, it shows that you are still very young. The most important investment is yourself. Constantly recharge yourself to achieve promotion and salary increase, and the benefits will be greater. ? If one day your passive income is greater than your expenses, then congratulations, you have achieved financial freedom.