1. The basic goal of personal finance: the ultimate goal is to live a happy life; For security; Make life more purposeful.

2. Personal financial management refers to that customers make financial goals and plans according to their own career plans, financial conditions and risk attributes, and implement financial plans to achieve financial goals.

3. Personal finance business is a banking business based on the principal-agent relationship, and it is a personalized and comprehensive service activity.

inventory of basic knowledge of financial management

1. Three links of financial management

One center and three basic points: taking money management as the center, saving money as the starting point, focusing on generating money and protecting money as the guarantee.

1. Save money

Earn one and spend two lives as poor people. Force 1% of the money to be deposited in the bank every month.

Make a compulsory deposit for yourself, and deposit 1% of the money directly into the bank after issuing it. Unless you take this step, you will never have any money to spend.

2. Make money

Funds, stocks, bonds and real estate.

3. Protect money

No one knows what will happen in the event of unexpected events, so you should buy insurance for yourself. Insurance is an important means of financial management, but it is not all.

Making money is like drilling a well to inject a steady stream of water into your reservoir, but just drilling a well is not enough. It is necessary to build a dam for the reservoir-accident, hospitalization and serious illness.

second, how much can I start financial management?

the nature of money: if you don't love me, I don't love you.

I don't care how much, I save 1 yuan to buy funds in one month, which is 637,8 yuan from the age of 2 to 6; From the age of 3 to 6, it is 22,; Since the age of 4, 7,; 5 years old, 2 thousand. Qian Shengqian is a champion of long-distance running, so financial management must start from a young age.

third, how to allocate assets?

individual reservoirs should be divided into three parts.

first, emergency money: 6 months to one year's living expenses

deposited in the bank, current, fixed-term or money market funds.

second, life-saving money: living expenses for three to five years

fixed deposit, national debt and commercial endowment insurance. It should be break even, only more things, not less.

Third, idle money: money that has not been used for five to ten years

Only this kind of money can buy stocks, funds, real estate, or start a business with friends to make such investments, so it must be idle money.

Four, two good habits of financial management

1. Frugality

Less taxis, less facials, less dishes, and the money saved will be saved for investment, which will help Qian Shengqian. Qian Shengqian, the rich, keeps the poor in debt.

saving money and respecting money are the habits of many rich people. Everyone knows that Li Ka-shing lives frugally. It is often said that the richer the rich, the more they dig, because they know that money is hard to come by.

2. Bookkeeping

Keep an account every day. If not, you can keep it every three days. Bookkeeping will let you know where every expense has gone, and it will also help you develop the habit of planning to spend money.