The most common financial management methods are: deposits, bank financing, money market, bonds, stocks, spot crude oil, foreign exchange, derivatives (futures, options, etc.), trusts, P/E, real estate, hedging Funds, lotteries, and some products now coming out of Internet finance.
Low risk: deposits, bank financial management, money market, bonds. The latter two have higher entry thresholds, but they can be replaced by corresponding funds;
High risk: stocks, Spot crude oil, foreign exchange, derivatives (futures, options, etc.) have high expected yields. If risk control is not carried out, your wealth can shrink in minutes;
Alternative investments: trusts, P/ E. Real estate, hedge funds, lotteries, and some of the current Internet financial products. For the time being, I would also classify them as alternative. Generally speaking, the threshold for investing in alternative is very high, or the platform funds are not safe enough.
The most reasonable way to manage finances should be to buy insurance for a small part of it (it can be property safety or personal safety, this is to protect yourself)
About 10% is the liquid capital of Yu’e Bao, just throw the money in
50% is a stable investment. I don’t know much about it, so I won’t comment.
40% is high risk. Investments learn to control risks and regulate risks within a tolerable range. By reducing returns, you can reduce risks, stabilize investments, and achieve returns
There are currently five best financial management methods, namely p2p network Loan financial management, bank financial management, savings, stocks and gold. Among them, p2p online loan financial management has a low investment threshold and relatively high profitability. Grassroots are more suitable for this financial management method. However, the risks of this financial management are also relatively high, so people should follow the Choose the appropriate investment method based on your actual situation.
1. P2P online loan financial management P2P online loan financial management is one of the most popular financial management methods at present. It has low investment threshold and high income. As long as you choose the platform, the income is guaranteed, and Very fast and convenient. For the majority of grassroots people, it is currently the best way to manage money.
2. Bank financial management Everyone knows that depositing money in the bank is the most convenient, stable and flexible method nowadays. However, it also has disadvantages, that is, the interest rate is low. As for bank financial products, the returns are not very high, and the investment threshold is very low, but the risks are not very high, so they are suitable for stable people.
3. Savings were once the only way to invest and manage money for the early Chinese people. A wrinkled and yellow passbook recorded a series of simple numbers. This was the entire wealth of the family at that time. The slogan at that time - "Deposits and savings benefit the country and the people" still echo in my ears, recording that period of history that is not too distant.
4. Stocks. Stocks appeared in the 1980s, but they were not really popularized nationwide until the 1990s. At that time, the common people were all gearing up and eager to try. From queuing up to buy stock subscription warrants, drawing lots, subscribing for stocks, to entering the stock exchange for stock transactions.
5. Gold is recognized by the public as the best financial management method that can best preserve value and prevent inflation. However, it is also popular among only a small number of people due to reasons such as difficulty in preservation, small returns, and high investment funds. investors' attention.