After personal thought, I will design a financial plan for you, for reference only: 1. You don’t have many monetary assets now, and the depreciation of the RMB will have little impact on you. Moreover, the appreciation and depreciation of the exchange rate have nothing to do with the purchasing power of the currency in the country.

Not much. Imagine that in 2007, the RMB appreciated sharply against the US dollar, but didn’t domestic prices still rise very quickly?

So don’t worry too much about the depreciation of the RMB.

2 Everyone must build enough savings. Savings are the first step in financial management. Without savings, investing in funds and stocks will be like a castle in the air and very unstable.

3 It is recommended that you first open a good bank card and open online banking.

The Industrial and Commercial Bank of China is recommended here because ICBC is the only bank in China that can buy foreign currencies with RMB online (specially approved by the Foreign Exchange Administration).

In addition, you can conveniently buy funds, book-entry treasury bonds, gold, etc. online.

In addition, you can apply for a bank card from a joint-stock commercial bank, such as Guangfa, Shenzhen Development Bank, etc. as a backup.

(Note: Nowadays, bank cards can be used to deposit multiple fixed-term deposits directly. There is no need to issue a deposit certificate) 4. Don’t take it for granted that “I am not afraid of risks.” Even Buffett and Soros put risk aversion as very important.

Consider location.

This requires structuring the property holistically and not “putting your eggs in one basket”.

5 Now, you should take stock of your existing property. You now have 20,000 yuan.

Don't touch it if you deposit it in the bank.

If you still have a small amount of money, buy all the "money market funds" in your online bank. Note, it is a money market fund and never any other type of fund.

Money market funds are risk-free investment products, and of course they also have the lowest returns.

6. Open a fund fixed investment account in an online bank (ICBC Peony Money Link Card is sufficient), in which you will invest 500 yuan in a "stock fund" and 800 yuan in a "bond fund" every month. If you still have some savings, buy a money market fund.

There are many benefits of fixed investment in funds online, you can check them out for yourself.

When you judge that the economy is recovering, adjust the ratio to 800-1,000 yuan for stock funds and 300-500 yuan for bond funds.

Please refer to the media for which fund is good, and check Sina Finance more often.

Note that you must stay calm when investing in stock funds on a regular basis. No matter when, holding it for more than 5 years will definitely earn more than bank deposits, but it is difficult to predict within 3 years, and it is even more unpredictable within 1 year (you will earn a lot when the market is booming.

You will lose a lot when it goes down, but bond funds rarely lose money, and money market funds cannot lose money) 7. If you know something about book-entry treasury bonds (note that they are not the kind of certificate-type treasury bonds that uncles and aunts queue up to buy), you can open one

If you don’t know much about the treasury bond account (ICBC Peony Card is enough), you can wait until you become familiar with it.

8 ICBC Peony Card allows you to open a gold account and speculate in gold. At this stage, you can invest no more than 20,000 yuan in gold.

9 Financial management is a continuous learning process. If you do not have any financial management experience, you should first practice with money market funds and simulate stock trading on paper.

At the end of 2010, I left a small amount of money from the money market fund for that year, and deposited all the rest into bank time deposits as "safety" savings, which will be useful for children's education in the future.

11 You need to spend a certain amount of money every year to buy insurance, mainly accident insurance. Depending on your income, the amount you spend buying insurance should not be less than 500 yuan per year, but not more than 3,000 yuan. There is no need to buy investment-linked insurance.

Note that the first person to buy insurance is yourself, not your wife, and not your children.

When buying insurance, you must first protect your family's financial support.

12 After you have a deposit of 60,000 yuan, you can consider buying stocks, but given the current economic situation, I suggest that fixed investment in stock funds is enough.

On the whole, the plan I have constructed for you is as follows: 1. Guaranteed assets: bank deposits, the existing 20,000, plus the annual monetary fund balance at the end of the year, as your guaranteed bank assets.

2 Conservative assets: money market funds, risk-free, low-yield, high liquidity. When you don’t have enough pocket money, you can liquidate it at any time (the subscription and redemption of money funds is free, but other funds charge fees, similar to

Commissions and stamp duties on stocks) 3 Moderate assets: fixed investment in bond funds, low risk, low-to-medium returns 4 Progressive assets: fixed investments in stock funds, paper gold: high returns 5 Safeguard assets: Insurance supplements for you: 1

The foundation has "dividend methods" for you to choose. If you choose "dividend reinvestment", it is compound interest, and if you choose "cash dividend", it is equivalent to simple interest.

Compound interest is indeed very powerful, but the premise is that compound interest can be guaranteed to a certain extent (you can use an index to calculate it). If the annual interest rate is less than 2%, the difference between compound interest and simple interest will be very small in 20-30 years. If the annual income can be 7%

Above, then compound interest and simple interest spreads will go up and down.