In contrast, financial management is a fixed income, but the investment income is uncertain, and it may be earned or lost. Investment is to invest money in industry to make a profit, and financial management is to invest money in the financial industry, the interest of the profitable bank or the profit distributed to you after the bank invests. The biggest difference between general financial management and investment is that the investment risk is high, the return on income is high, and the financial management risk is small, but the return is small and relatively stable. But now there are many P2P platforms on the Internet, and the investment risk and return ratio are very low. For example, Fisherman's Network is a very good investment platform. Undeniably, investment plays an important role in financial planning. But financial management is by no means the same as investment, which is an important aspect of financial management. The basic spirit of financial management is to pursue the long-term preservation and appreciation of wealth on the premise of minimizing the risk and tax burden of family wealth. First of all, their goals are different. Under normal circumstances, investment only realizes value-added, value-preserved and value-added by putting money into a certain channel or a certain product, with the aim of making profits. It is most concerned about the liquidity and income of funds. The purpose of financial management is not to make money, but to help arrange income and expenditure reasonably and achieve the coordination of personal income and expenditure, rather than simply pursuing the preservation of assets. Second, the result is different. Generally speaking, the result of investment is to gain income and realize the preservation and appreciation of assets, but it also bears certain risks. Financial management is how to make life more reasonable and achieve the best quality of life under the existing funds. Finally, the scope of the two is different. Investment channels mainly include various assets in the financial market, such as deposits, bonds, stocks, funds, foreign exchange, futures and so on. , as well as assets bought and sold in the physical market, such as real estate, gold and silver jewelry, stamps, antiques, or industrial investments, such as personal shops and small businesses. The content of financial management is much richer, including all aspects of personal and family income and expenditure. Investment refers to the economic behavior of legal person or natural person as the main body of economic behavior, making investment decisions and investing certain funds and resources to obtain future investment income. According to different standards, investment can be divided into direct investment and indirect investment, as well as industrial investment and financial investment. Generally speaking, investment is the formation process and motivation of capital. Financial management refers to the collection and use of funds, which is a financial management skill, a method and means to maximize investment income, and a way to make money. According to different financial objects, it can be divided into national financial management, enterprise financial management and family (individual) financial management. National financial management is macro financial management, which refers to financial operation methods and budget management skills; Enterprise financial management belongs to intermediate financial management, which refers to the investment and financing technology and financial management skills of enterprises; Family (individual) financial management is micro-financial management, which refers to family (individual) property management skills and investment and financing technology. Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, foreign exchange, real estate, insurance, gold, etc., so as to achieve the purpose of maintaining and increasing the value, thus accelerating the growth of assets. Investment and financial management is a comprehensive, systematic and comprehensive economic activity in which all assets and liabilities, including all assets and liabilities, are actively planned, arranged, replaced and reorganized according to their needs and purposes, so as to preserve and increase their value. We must establish a correct concept of risk awareness. The market is not a special "cash machine" for investors to make huge profits, and its risks are everywhere. Your source of funds should be as healthy as possible, and you must have a strong risk-taking ability. If the funds obtained from mortgage, pawn, loan and even usury are used for investment and wealth management, investors' crazy expectations of excess profits are behind these funds. Have a peaceful attitude towards the expectation of future earnings. There is no end to learning. It is never too old to learn. Only by adhering to the concept of value investment can we make money a natural result. Third, personal financial management is a process to achieve personal life goals through proper management of financial resources, and it is a unified and coordinated plan designed to achieve the overall financial goals. The salary is limited, so you should save unnecessary money. As long as you save, you can still save a considerable income a year, which is the first step in financial management. With the extra money, it is necessary to use it rationally, so as to preserve and increase its value and produce greater benefits. The purpose of financial management is not to make a lot of money, but to ensure or better life in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management. Seeking the balance between actual consumption and future income, this part of the work can be commissioned by professionals to design for themselves for reference. A high-yield financial plan is not necessarily a good plan, but a good plan that suits you, because the higher the rate of return, the greater the risk. The scheme that suits you is the one that can achieve the expected purpose and has the least risk. Don't blindly choose the scheme with the highest yield. Like the APP of Liuliubao, there are choices such as the latest financial ranking, the highest ranking of cattle currency, and the highest ranking of traffic. You can choose investment according to your actual situation, rather than sticking to a fixed way.