There is no final answer on how much to use for financial investment. It depends on your personal preferences. If you like to take risks and experience the happiness of high income after adventure, you can invest all the money left after enough for living expenses. If you still need to take on many responsibilities in life, such as raising your wife, children, and elderly people, then you have to leave this money. In short, before investing, you must understand that it is possible to lose half of your investment principal.

There is also a type of people who are very thorough, invest all their money, and regard financial management as a job of making money. You can’t say it’s not possible. When the stock market was booming last year, many people simply quit their jobs and devoted themselves to stock trading. But that was a special period, and under normal circumstances, this approach is not recommended. Especially now when the investment market is very uncertain.

After you figure out your preference for risk, you have to see how much money you can invest. The amount of money, your tolerance for risk, and your expectations for investment determine which financial management method you choose.

Funds are the financial management method with the lowest threshold. All banks have fund fixed investment business, and you can get started with just 200 per month. There are several types of funds. The greater the risk, the higher the expected return.

The threshold for paper gold is also lower. ICBC's paper gold business starts with 10 grams. At 200 yuan per gram, you only need more than 2,000 yuan to start investing. The advantage of paper gold investment is that it has very good liquidity and can be bought and sold 24 hours a day. However, gold fluctuates greatly and is highly professional. Personally, I think the risk is less than stocks.

Stocks are also a good way to invest. The starting price of a stock is 100 shares. Nowadays, cheap stocks cost seven or eight yuan, which means one lot is less than one thousand.

The above are all investment and financial management methods with very low thresholds. The threshold is high for futures, don’t get in if you don’t have hundreds of thousands. The fluctuations of futures are like a roller coaster. The fluctuations are very large, but the returns are also very fast. It is most suitable for people who have strong risk tolerance and want to get rich quickly.

In short, the earlier you start investment and financial management, the better. Only in practice can you find the financial management and investment method that suits you best.