1. Purchasable money fund: The yield of money fund products is low, but the principal security is high and the capital flexibility is high.

2. You can buy regular wealth management products: the principal and interest security of regular wealth management products is also good, and the yield is higher than that of money fund products, but because it is a closed period, the liquidity of funds is poor.

3, you can buy government bonds: the security and yield of government bonds are very good, and there are 500,000 in hand to buy government bonds.

4. Innovative deposits can be purchased: the yield of innovative deposit products launched by banks is much higher than the bank's regular listing interest rate. The principal of the innovative deposit is guaranteed, and the interest is paid by the bank's reputation.

Financial management is a Chinese word, pinyin is lǐ cái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.

Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.

Financial management method

Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.

1. Bank investment

The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.

2. Financial management of securities companies

Securities financing generally includes securities income certificates, asset management products and so on.

3. Insurance financing

Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.

4. Investment company financing

Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.

5. E-commerce financial management

2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.

range

Making money-income

1. Lifelong income includes work income generated by personal resources and financial income generated by monetary resources; Work income depends on people to make money, and wealth management income is to make money.

2. Financial income: including interest income, rental income, dividends, capital gains, etc.

money outlay

Lifelong expenses include the living expenses of individuals and families from birth to death, as well as the financial expenses arising from investment and application for credit. Some people have expenses and families have burdens. The main purpose of making money is to meet personal and family expenses. Including: living expenses: including family expenses such as food, clothing, housing, entertainment and medical care. Financial expenses: including loan interest expenses, guarantee insurance expenses, investment formalities expenses, etc.

Save money-assets

When the current income exceeds the expenditure, there will be savings, and the savings accumulated in each period are assets, that is, the principal that can help you roll money and generate investment income. In old age, when people's resources can't continue to work to generate income, they must rely on monetary resources to generate financial income or realize assets to meet the needs of the elderly. Including:

1. Emergency reserve: keep a sum of cash in case of unemployment or emergency.

2. Investment: portfolio of investment tools that can be used to generate wealth management income.

3. Purchase of real estate: purchase of self-occupied houses, self-occupied cars and other assets that provide use value.