An ordinary family financial management mainly considers three aspects: flexibility, risk and profitability. Therefore, investors can divide family funds into three parts to invest in the following financial products: 1. Although buying stocks is relatively risky,

Its profitability is also relatively large. Under inflation, residents can choose to buy some blue chip stocks and white horse stocks to resist inflation. In the long run, the rate of return is quite considerable, and it can maintain and increase the value of funds to a certain extent.

2. Time deposits. Time deposits are principal-guaranteed. It is a deposit in which the bank and the depositor agree on a term and interest rate in advance when depositing, and the principal and interest are withdrawn after maturity. The interest rate is generally higher than the bank's current demand for the same period. If it is held until maturity, the principal will be paid back.

Generally speaking, the longer the time deposit, the higher the interest rate.

3. Large-denomination certificate of deposit Large-denomination certificate of deposit refers to a type of large-denomination deposit certificate issued by banking deposit-taking financial institutions to individuals, non-financial industries, government agencies, etc. It has a certain period and is generally divided into 1 month and 3 months.

The longer the term, the higher the expected return rate for the varieties of 1 month, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years.

4. National debt National debt is a creditor-debt relationship formed by the country raising funds from the society based on its credit and in accordance with the general principles of debt. When the national debt matures, the principal and interest will be returned, which is basically zero risk. Among them, the amount of the national debt purchased exceeds

The larger the term, the higher the interest rate.

5. Fixed investment fund Fund fixed investment refers to investing a fixed amount at a fixed time in a designated open-end fund. By buying without fixed investment and increasing the holding share, the cost of holding the position is spread and the risk is dispersed. When the fund rebounds,

Achieve smile curve effect.

6. Fixed-income financial products Fixed-income financial products, that is, their expected returns are locked within a certain range, and their risks are relatively small. Investors can purchase such products through banks, insurance companies, or securities companies.

7. Fixed asset investors can also allocate some fixed assets, such as buying some houses and renting them out.

When managing finances, investors should diversify their investments and spread their risks by purchasing multiple financial products. At the same time, when selecting financial products, they should combine their own investment preferences and choose financial products that are compatible with their investment preferences. For example, for

Stable investors with low risk tolerance choose low-risk financial products instead of high-risk financial products.