This kind of financial management means taking out a sum of money every month to buy financial products. Generally speaking, if you don't want to take big risks, you can invest in low-risk wealth management products, and the general income is considerable, slightly higher than bank time deposits.

You can buy a sum every month, and then insist on investing every month, so that you will have income on a regular basis. This kind of financial management is especially suitable for ordinary people and belongs to a more suitable financial management method.

Step-by-step time deposit method

No matter what kind of financial management is risky, and banks are regularly guaranteed by the banking guarantee system, and they are insured within 500,000 yuan, which is relatively safe.

For example, suppose investors have 654.38+million yuan, which can be divided into 20,000, 30,000 and 50,000. Make one-year, two-year and three-year time deposits respectively.

When the one-year product expires after one year, the principal and interest will be recovered and kept for three years; After two years, the two-year product expires and is transferred to a three-year period; At this time, investors will have three three-year fixed-term products, and there will be a fixed income every year.

In addition, you can also choose to buy wealth management products to use this method, but the risk of wealth management products is slightly greater, mainly depending on whether investors prefer income or safety, and each has its own advantages.

This can not only get high returns, but also avoid the risk of urgent need of money. It is also a more suitable financial management method for ordinary people and more practical.

First, financial management methods

You need to open a corresponding wealth management account when you go to a bank or a securities company for wealth management. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them 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.

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.

Second, the level of financial management.

The first layer is to handle and use money effectively and reasonably, so as to make the best use of everything and meet the needs of daily life to the greatest extent.

The second level is to invest the extra money to produce the best financial return, which is the level of Qian Shengqian.

The third level is to plan life from the financial point of view, make use of the existing economic and financial conditions, maximize the value of their human resources, and prepare for future development.

Third, planning.

1. Check your assets.

Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite.

2. Set financial goals

It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target.

3. Clarify the types of risks

Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.

4. Strategic asset allocation

Do asset allocation among all assets, and then choose investment varieties, investment timing and investment value. [4]

Financial investment also has certain risks. Beginners can take a look at the following suggestions to control risks:

First, investors are not brokers and must not enter the market at will, otherwise they will only lose more and earn less.

Second, we should have a target price in mind, not a price in mind.

Third, we must set a stop loss point, reach the stop loss point, stop the loss quickly, and leave.

Fourth, don't amplify the lever too much.

Fifth, do more analysis before entering the market, read more news from both sides, and read more charts; After entering the market, you should keep in touch with the market, and don't just look at the news that is beneficial to you just because you are doing well. At the first sign of trouble, close your position immediately.

Sixth, don't be die-hard. When speculating in foreign exchange, sometimes it depends on the wind direction and rudder, so don't stick to your own opinions. Ten thousand kinds of market are attributed to the market, which means that sometimes good news enters the market, but the market is not good, but it falls, that is, your previous analysis is wrong. Please make a quick decision, don't be stubborn. If you are a novice in financial management, you can apply for a foreign exchange simulation account at Global Jinhui first and experience the basic steps of simulating foreign exchange speculation. Slowly, you will learn, and finally you will learn more about financial management.