1. First of all, banks are state-certified offices and run by professionals, so most people will choose to deposit their money in banks. This guarantee is still very reassuring. Usually in the street, we may see a special car with money from the bank. Generally, that kind of car is specially protected by armed police. Generally speaking, their guards carry guns just in case.
2. However, Alipay, a self-financing mobile phone software, can save small money, but big money is still risky. Generally, this kind of software on mobile phones is not so safe. After all, someone else is in charge of your money, and you don't know whether it is formal or informal. If this software fails one day, who will handle your money? But this will not happen in a state organ like a bank.
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.
Financial 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.