If you want to manage your finances safely, you need to do the following:

1.

Be clear about your risk tolerance.

2.

Choose the financial products that suit you and spread the financial risks.

3.

Benefits and risks coexist, don't just look at benefits.

4.

Understand financial management knowledge and improve your financial management ability.

5.

Don't know how to consult a professional financial planner.

6.

Be sure to choose a formal and reliable financial platform.

Expand:

I. Bank wealth management products

The general threshold is 50,000, ranging from ten days to six months or even a year. You can choose according to your liquidity requirements for cash. In terms of income. Similar to Yu 'ebao, the security is more reliable.

Second, the monetary fund.

Both Yu 'ebao and Licaitong are good choices. From the risk point of view, it's not bad. The general risks of Yu 'ebao and Licaitong are close to zero. Embarrassed, the interest rate is still relatively low, only about 3%.

Third, P2P financial management.

Peer-to-peer is emerging in recent years, which is relatively hot and has high income, which is also one of the reasons that people pay attention to. The income of ordinary financial platform is between 12%- 14%, and the risk is only slightly higher than Yu 'ebao.

Fourth, stock funds.

The income of this product is quite good, but the risk problem is not at ease.

Verb (abbreviation for verb) stock market

Stock trading is a high-yield financial management method, which can make you rich overnight, but it is also a dangerous financial management method. It only takes one night to bankrupt yourself. Therefore, people who usually like stock trading need to strengthen their knowledge of stock trading. The stock market is risky, so it is best not to put all your money into the stock market, but to know how to diversify your investment.

Expansion: how to manage money

First, planned financial management

Knowing their own needs and making financial plans are the most basic financial awareness of the rich.

First of all, calm down, assess your risk tolerance, understand your investment personality, and clearly write down your short-,medium-and long-term financial goals.

After creating a certain value, these values will be expressed in the form of money. When you have this money, you need to make a careful plan for your family and career, so that your money can be spent in the right place and every part can be spent meaningfully. This is not only a financial management skill, but also the basic common sense of financial management.

Second, know how to do what you can.

Many people always find it difficult to invest in financial management and need professional knowledge, so they are too lazy to invest their energy. Anyone who knows how to manage money knows that your accumulated financial knowledge and life experience can help you build a sound financial structure and accumulate the wealth you need. This is a very important and necessary investment.

In addition, if you want to succeed in investment and financial management, you don't need too professional and profound economic knowledge, just do what you can. On the contrary, profligacy will only lead to economic difficulties. Some people want to buy what others buy, which is the most taboo in financial management.

Third, know where the money is spent.

Making money is a process of making money, that is, you must spend money first before you can talk about making money. Popular saying that you can earn and spend is different from popular saying that you can earn and spend. Everyone is spending money, but everyone doesn't necessarily spend money. Spending money on the cutting edge is the most important skill in financial management.

Fourth, understand that money should be used in the right place.

Money can save people or harm others. Money used in just cause can create infinite value, and used in evil things will bring more evil consequences. This problem may not belong to the category of financial skills, but a financial purpose, but because it is too important, here are the key points.

How to manage money is the safest and most reliable?

There are several ways:

1. Bank deposit

Bank deposit can be said to be the most common financial product. Bank deposit has stable income, low risk and high safety, which conforms to the label of safe and reliable wealth management products. If there are one-year, three-year and five-year bank deposits, the longer the term, the higher the interest rate. You can choose terms according to your own situation.

2. Monetary Fund

Money funds are also stable in income, basically risk-free and highly secure. For example, Yu 'ebao, Bitong and JD.com are all money funds. The more you save, the more you earn.

3. National debt

The issuer of national debt is the country, so it has the highest credit and is recognized as the safest investment tool. Income is also relatively stable.

4. Time deposit

Banks' certificates of deposit have higher interest rates, lower risks and relatively stable returns than time deposits of the same term.

The above four financial management methods are mainly aimed at "safety and reliability". Investors with different risk tolerance will allocate wealth management products with different risks. If you pursue capital preservation and don't care about low returns, you can choose the above wealth management products. If you pursue high returns and can bear certain losses, you need to choose other financial products, such as stock funds, index funds, hybrid funds and stocks. However, high returns are accompanied by high risks, and investors need to be cautious when investing.

1. Financing method: You need to open a corresponding financing account to go to a bank or securities company for financing. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.

Financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks, bonds and futures. The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day. The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

2. At the level of financial management, the first level is to handle and use money effectively and reasonably, so as to maximize the effect of one's money expenditure and meet the needs of daily life to the greatest extent. The second level is to invest the extra money to produce the best financial return, which is the level of Qian Shengqian. The third level is to plan life from the financial point of view, make use of the existing economic and financial conditions, maximize the value of their human resources, and prepare for future development.

What is the safest and most profitable way to manage money?

The safest and most profitable way to manage money:

I. National debt

In China, with steady investment, the national debt can be redeemed under any circumstances. So far, there has been no problem for more than 60 years, that is, national debt. Although the current national debt has only two maturities, the interest rate can be around 4%, which is already very advantageous compared with the current bank wealth management products.

Of course, national debt also has shortcomings. Liquidity is weak, and now it can be solved by transfer. And because the initial purchase amount of national debt is low, only 100 yuan, anyone can buy it, so it is too hot, even if someone wants to invest, they can't grab it.

It is worth noting that whether you want to buy treasury bonds or not, you need to hold your ID card to open a treasury bond custody account at the bank counter or online bank before you can buy them. Also, when buying government bonds, we must first determine whether local banks can buy them online, because some banks do not support them.

Two. structural deposits

Structured deposit is a capital-guaranteed wealth management product, which can not only ensure the safety of principal, but also obtain higher returns. Since the implementation of the new regulations, capital preservation and financial management have become a thing of the past, and structured deposits have once become a "sharp weapon" for banks and are deeply loved by mass investors. At the same time, under the control of supervision, the structure is also shrinking.

Structured deposits have an absolute advantage, that is, capital preservation, but they are limited to 500,000 yuan in the bank deposit protection regulations. In terms of income, there is also a minimum rate of return as the bottom line, which can be called interest protection to some extent. If the investment is good, it is possible to get high returns. Under normal circumstances, the yield of structured deposits will be lower than the average yield of bank wealth management products of the same grade, ranging from 4.5% to 5%.

Third, buy from the sea.

With the implementation of a series of policies to support the high-quality development of foreign trade, foreign trade has achieved innovation, and new foreign trade formats have emerged, which not only brings opportunities to foreign trade enterprises, but also creates new value-added methods for Chinese people. At the same time, relying on the new mode of cross-border e-commerce, Zhizhen Sea Shopping Platform has expanded the international trade channel of "buy the world and sell it".

In addition, with the support of the "One Belt, One Road" policy, the Zhizhen Sea Purchase Platform allows more people to enjoy the spread brought by imported goods through consignment, and gain profits stably and without risk. The 30-day profit is 1%, the annual profit is as high as 12% ~ 15%, and the annual interest rate for cooperation with banks is/kloc-.

How to manage money safely and make money?

In order to manage money safely and profitably, you need to do the following:

Rational investment: before investing, you need to carefully study and understand the risk-return characteristics of investment products, and choose the investment products that suit you according to your risk tolerance and financial situation.

Diversification: Don't concentrate all your money on one investment product, but reduce the risk by diversification.

Maintain stability: A sound investment strategy can bring more stable and predictable return on investment. Holding a portfolio for a long time and adjusting it regularly is an important strategy for financial management.

Risk prevention: Try to avoid high-risk investment, and consider buying insurance and other financial products to prevent risks.

Pay attention to investment cost: investment cost includes management fee and transaction fee, so we should pay attention to reducing investment cost and improving actual rate of return.

Finally, you need to choose the right financial products according to your actual situation and investment objectives, and you can consult professional financial institutions or financial planners to get more scientific investment advice.

What are the more profitable and safer financial products now?

Yu of the online merchant bank, Baiyi of Baidu Finance, Jingdong Treasury of Jingdong Finance, and Licaitong of Tencent, etc.

1, online merchant bank in

Yu is a cash management product mainly for individuals, small and micro enterprises and small and micro operators. The product itself is the Yunshangbao Monetary Fund launched by Tian Hong Fund, which has the characteristics of low risk and high liquidity. It is jointly built by online merchant bank and Tian Hong Fund. .

Everyone knows that Yu 'ebao is bought and sold in Alipay. I buy and sell in the online merchant bank APP. Alipay now has a big short board. A handling fee of 0. 1% will be charged after withdrawing the Zhou Chao-free amount. There is no such obstacle when using online merchant banks, and the transfer is free.

2. Baidu Finance's Hundred Earnings?

Baidu Baiyi is a specialized financial product under Baidu Finance, and it is a monetary fund linked to Harvest Live Bao. Compared with Yu 'ebao, the minimum cash withdrawal amount and the maximum subscription amount of the fund are generally higher. Judging from the length of withdrawal time, Yu 'ebao's withdrawal speed is relatively faster.

3. Jingdong Finance's JD.COM Treasury

JD.COM Treasury is a monetary fund wealth management value-added service jointly provided by harvest fund and Penghua Fund. Buying JD.COM Treasury means buying a money fund, and a stable and considerable investment income can be obtained with low risk. At present, there is no limit on the amount transferred from the small vault. In addition, the balance of funds in the wealth management account can also be directly used for shopping in JD.COM.

4. Tencent's financial links

Licaitong is Tencent's official financial management platform, mainly focusing on money funds, insurance wealth management, index funds and other financial products. It can operate flexibly on official website, WeChat and mobile QQ platforms, and manage money seamlessly anytime and anywhere. Like Yu 'ebao, Licaitong has smooth payment and can complete the subscription within 5 seconds.

Extended data:

Matters needing attention in selecting wealth management products:

1, risk

No matter which financial product you choose, you should consider the risks. Generally, you will choose stability. To put it bluntly, it is necessary to break even. This kind of money fund is generally chosen by banks.

2. Redemption

Redemption is the key to purchasing wealth management products. Need to consider whether there is a handling fee for redemption. Redemption takes a long time to arrive, which is also commonly known as t+.

Baidu encyclopedia-wealth management products