Useful. Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance. Financial management can be divided into corporate financial management, institutional financial management, personal financial management and family financial management. Financing channels include bank financing, securities company financing, insurance financing and investment company financing. And investment channels include speculation, funds and stocks. If you don't learn how to manage money, you won't enjoy the effect of Qian Shengqian and compound interest, and your wealth will be eroded constantly, which will lead to great anxiety, such as your own pension, children's education and large consumption. Therefore, we should plan our own finances well, from small family trips to large purchases of real estate, which can be achieved through reasonable financial planning. Overcoming inflation is one of the main goals of our common people's financial management.

Novice financial recommendation:

1. money fund: the popularity of money funds has been high in recent years, and many people regard it as a substitute for bank deposits. However, with the declining rate of return and the implementation of quick redemption restrictions, the status of money funds is not as stable as before, but it is still good to allocate as current financial management.

2. Online bank time deposit products: In recent years, many private banks have released many deposit products online. For example, the yield of five-year fixed deposits of Yilian Bank reached 5.45%, even exceeding most wealth management products. Most importantly, this deposit product is to ensure the safety of the principal and is suitable for stable investors to buy.

3. Regular wealth management products: Alipay and WeChat also have many regular wealth management products, and the yield is roughly between 4% and 5%. You can choose the investment period flexibly according to the fund arrangement.

4. Fixed investment: 20 19 The performance of the stock market is very eye-catching. If you are an enterprising investor, you can consider allocating some assets as a fixed investment. Of course, equity funds are risky and may lose money, so they need to be carefully considered before entering the market.