If you don’t have money to speculate in stocks, it doesn’t make much sense to buy funds. After all, the capital is too small. Young people with 20,000 should invest in themselves first. First, get some financial management books, social media, and join some training institutions that are useful to you. Once you have the ability to make money, you will be a good person.

A money-making device.

Buy yourself some commercial insurance such as life insurance and accident insurance to transfer your own risks.

Make your own career development plan, work hard, and have a stable income at work. After you have accumulated a certain amount of capital, you can participate in capital market investment.

I think it's OK to find a more reliable car insurance company and buy a small loan medical insurance or long-term insurance, which is equivalent to commercial insurance and deposit.

The vast majority of the rest save for a year or half a year, and don't care about loan interest. As long as the capital is guaranteed, they can be withdrawn if they are in urgent need, and only lose interest rates.

There are also about three to five thousand or five to six thousand left, which are used to learn a skill and improve oneself. This is the key to truly achieving permanent appreciation.

Fund fixed investment is not set in stone, and you need to pay attention to three points: First, choose a fund that has been profitable for a long time, such as China Large Cap, E Fund Small and Medium Cap, Boshi Shanghai and Shenzhen Index 300, Harvest CSI 500 and other funds, you can have a very good investment

Historical performance; the second is to set a profit stop point. When your return reaches this profit stop point, you can redeem the fund and start a new fixed investment cycle from the beginning; third, if the current decline is, you should always hold on.

Make a fixed investment so that your costs can be diluted.

Although 20,000 yuan is not much, you are only 22 years old and you are still young. I can save 20,000 yuan every year for investment and financial management. If you invest, I believe that you can get one in 10 years.

A large amount of capital, if we only calculate it based on the annualized return of 12%, can double in 6 years. If you continue to invest for 6 years, your total capital will reach 240,000, which is still very considerable, so it is recommended to build some funds

Fixed investments, including specialized configurations of bond funds, are basically guaranteed and profitable, and will not interfere with your main business or work.