(1) Financial management, don't touch unfamiliar areas, don't touch them easily, get to know them first.

(2) Don't copy anyone's financial management. Financial management is as unrepeatable as success.

(3) financial management is not equal to making money, and there must be a loss forecast.

(4) No book or person can be a model of financial management. Don't rely too much on it.

(5) Primary financial management suggests personal career investment, and your job is real estate investment second only to real estate.

(6) Investment is not at the expense of lowering the quality of life, and any investment that lowers the quality of life is an inferior investment.

(7) Bookkeeping is the first step in financial management, which can help you establish scientific consumption habits.

(8) Income is directly proportional to risk. Never believe the propaganda that low risks bring high returns.

(9) If the financial management method is wrong, stop immediately, and indecision is the taboo of financial management.

(10) Wealth management with stable and mature income can be properly indebted.

(1 1) Insurance is one of the financial channels, which is risky! Do safety first and then manage money.

(12) You should have the ability to filter information, such as the financial information around your friends. It is not wrong to ignore 99% directly.

(13) If you don't understand the savings management recommended by the bank lobby manager, it's not wrong to save money.

(14) Putting eggs in different baskets is an effective way to "spread risks".

(15) Critical illness insurance is an important financial management for our helpless pseudo-middle class to drag down their families for themselves.

(16) When managing money, it is necessary to know where the money goes and what it is used for, which can appropriately reduce financial risks.

(17) Don't borrow other people's hands in financial management, and explore financial management methods by yourself.

(18) For Xiaobai, the financial manager, the shuttle without loss is better than the roller coaster turmoil, so don't touch the stock easily.

According to financial preferences, it can be roughly divided into five types:

(1) speculation

Typical representatives: futures and gambling.

Features: ultra-high risk, ultra-high return (almost zero return)

In fact, this method is not financial management, and gambling is more important. Don't touch it.

(2) Growth

Typical representatives: stocks, stock funds and foreign exchange.

Features: high risk and high return.

I believe many people have played roller coasters. This is the ups and downs. Many people get rich overnight because of stock trading, but many people also return to before liberation overnight.

PS: For Xiao Bai, the financial manager, the shuttle without loss is better than the turmoil on the roller coaster. Don't touch the stock easily.

(3) Income type

Typical representatives: insurance wealth management, funds and bank wealth management products.

Features: it takes a long time and the return is slow.

High security, average threshold. But there won't be any gains in the short term, it must last for several years or even 10 years, and we must have enough confidence.

(4) robust type

Typical representatives: trust and fixed income financing.

Features: considerable income, safety and stability.

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(5) Type of guarantee

Typical representatives: life insurance, bank deposit.

Features: high security and low income.

This kind of financial management is more traditional and closely related to life; However, according to the bank's current income of about 2%, there is a risk of not winning inflation. "Money is becoming less and less valuable."

In short, the so-called reliable financial management can actually be said to be a "suitable financial management method", so the ranking of various publicity can only be said to be a reference information, and it cannot be the absolute information for us to choose financial management methods.

Also, don't borrow his hands to manage money, and explore ways to manage money yourself. The answer is from the initial deposit of money in the bank to the balance treasure, and finally found unbounded.