How to manage money with twenty thousand spare money?
There are many ways to manage money now. Some people like to use Alipay to manage their finances, some people like to use WeChat to manage their finances, and some people like to use banks to manage their finances. Generally speaking, most investors still describe bank financing.
According to the risk level, bank wealth management products can be divided into five types: cautious products (R 1), stable products (R2), balanced products (R3), aggressive products (R4) and radical products (R5). An increase in numbers represents an increase in risk.
Generally, a risk assessment needs to be filled out before a bank manages money. Investors can choose the corresponding financial risk level according to their own evaluation results, and it is most important to choose the financial management that suits them.
How about buying a fund to manage money?
20 thousand spare money can be purchased for fund management. When managing money, you should first consider your own needs. If you can't bear great risks, you can choose low-risk fund types as the mainstay, supplemented by high-risk fund types. For example, if you don't want to take a big risk, you can choose to buy a monetary fund of 10000, a pure debt fund of 5,000 yuan, and a stock fund of 5,000 yuan.
Because the risk of money funds and pure debt funds is very small, when allocating, you can allocate more, while the risk of stock funds is relatively large, so you can allocate less, which can take into account both risks and benefits.