Personal small investment financial management method 1: you can build a suitable investment portfolio according to your risk tolerance, and at the same time control the matching relationship between risk and income. If you pursue stable income, you can invest in money market funds, which have the characteristics of good liquidity, low risk and stable income, and the entry threshold is relatively low.
Personal small investment financial management method 2: reasonably choose bank savings varieties and optimize the use of funds. At present, many banks have launched micro-financial products, such as the "Qian Shengqian" of a joint-stock bank, which is a wealth management service that provides demand for the main cardholders and optimizes the combination of lump-sum deposit and withdrawal. It can automatically change the deposit funds from demand to fixed term according to the deposit portfolio scheme selected by customers, avoid repeated selection and operation between them, maximize the deposit yield and realize easy financial management.
Personal small investment financial management method 3: If conditions permit, you can get "passive" income through real estate, such as rental income. Personal small investment financial management method 4: Try some new investment varieties appropriately, such as "paper gold". In recent years, the annual income of many gold investors has reached about 10%. "Paper gold" has a relatively low entry threshold and is a good financial choice. However, it should be noted that this kind of investment requires high professionalism, and investors need to have certain investment knowledge to operate. Personal small investment and financial management method 5: choosing credit card as the means of payment can also "add up". Usually, the interest-free repayment period of credit cards is about 50 days, and reasonable use of cards can also earn a lot of interest.