1. Personal financial management refers to the establishment of a reasonable personal financial management plan according to the financial situation and appropriate participation in investment activities. Personal financial investment includes: stocks, funds, national debt, savings and so on. Personal finance in the modern sense is different from simple savings or investment. It includes not only the accumulation of wealth, but also the protection and arrangement of wealth.

2, the significance of personal finance:

The core of wealth protection is risk control, that is, when one's life and health are in an accident, or the economic environment is in major adverse changes, such as hyperinflation and a sharp drop in exchange rate, the living standards of oneself and one's family will not be seriously affected.

1. stock-super high-yield wealth management products.

You only need to open an account in a brokerage firm, and you don't need to prepare too much principal to enter the stock market. You should know that the stock market is very stimulating, so it is reasonable to invest less than 20% of the total assets. Because the risk of stock trading is too high, people who have just started to contact financial management still do not recommend stock trading. It takes too long time and energy to learn the whole process systematically. If you don't understand it, you can only be a leek.

2. Funds-financial products with safety, profitability and liquidity.

In order to ensure the safety of funds, the funds of the Fund are deposited in banks. Compared with the free investment in the stock market, the high risk, convenience, stability and special management of funds are obviously more favored by people. Since the fund 10 yuan, the price is very close to the people, and the investment varieties will not be concentrated on one variety, so the risk is very low. Redemption is inconvenient, liquidity is poor, and money is trapped, which will never appear in the fund.

Most people will not choose funds, resulting in low returns. If you want to get continuous income, you can refer to the choice of investment god: limited income! Click to participate in the fund training camp, and the high-yield fund has flowed out. Speed and investment income can reach 15%!

3. National debt-a wealth management product with low threshold, high security and poor liquidity.

National debt has many advantages. First, you can buy it as long as 100 yuan. Moreover, it is issued by the state, and the security will be higher; The annual income can reach about 4%. National debt is a long-term investment, and it is not recommended to redeem it in advance unless necessary, because a handling fee of 0. 1% is required for withdrawal.