2. 15% of the funds are used to buy money funds: although the annualized rate of return of money funds has been declining for seven days, it has even fallen below the 2.5% mark at present, and there is no interest rate advantage to attract investors at all, but it is still good as pocket money management in daily life.
3.20% funds to buy funds: Compared with stocks, the biggest advantage of funds lies in the low risk coefficient, and with professional fund managers to manage our wealth, our worries and worries will be much reduced. If the market is good, the expected return can reach 10~20%.
4.65,438+05% of the funds are invested in stocks or gold: the advantage of investing in stocks and gold is that the expected return is high, and you can hedge risks and ensure the rate of return as much as possible.
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.
Origin:
The word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
Specific content:
Financial management, as its name implies, refers to financial management. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
Financial management is a lifetime wealth, not just to solve the problem of urgent need for money.
2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money.
③ Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).