Three financial management methods suitable for the post-90s generation. Financial management method 1: Yu’E Bao financial management. The essence of “Baobao” financial management products represented by Yu’E Bao are monetary funds. Although the current yields are hovering around 3%, these Internet babies

So far, there have been no redemption problems with financial management products, and they are relatively safe.

The investment threshold is low, starting from 1 yuan, and the liquidity is strong. Funds can be withdrawn at any time. It is more suitable for office workers born in the 1990s.

Financial management method 2: P2P online lending P2P financial management is a new "person-to-person" financial management model. Online loan companies provide a platform to match borrowers and lenders into transactions.

The income of P2P financial management products is much higher than that of Yu'e Bao financial products, and the threshold is relatively low. Most of them start with an investment of 100 yuan. For example, Aidai.com starts with an investment of 100 yuan, and the annualized rate of return is 11%.

-14.8% is very good, and the financial management knowledge required is not high. When choosing a platform, you must choose a platform you trust.

Generally speaking, P2P financial management is also a financial management method that is more suitable for office workers born in the 1990s.

Financial Management Method Three: Bank Financial Management The threshold for bank financial management is relatively high. The financial threshold of RMB 30,000 to RMB 50,000 is daunting to many post-90s generation. However, it is also a good choice for high-income post-90s office workers. Although bank financial management is

The threshold is high, but the safety is also relatively high. The rate of return is determined according to the CCTV interest rate adjustment. Like this year, the rate of return of bank financial products is not very good. This financial management also depends on the individual and based on personal circumstances.

Choose the financial product that suits you.

Related reading? The best way to manage money for office workers. Bank deposit methods. Bank deposits are the most commonly used investment method by office workers.

Bank deposits are safe and reliable (protected by the Constitution), convenient (savings business outlets are all over the country), flexible in form, and inheritable.

Financial planners said that after banks absorb savings deposits, they invest the money in the social production process in various ways and make profits.

The bank then pays depositors interest.

Internet financial management methods Recently, various Internet financial management products have increased, such as Yu'e Bao, Baidu Baifa, Lingqian Bao. Faced with so many "Baobao", how to choose Internet financial management products? Financial planners said that choosing Internet financial management

Try to choose products from well-known and large institutions, and also look at the types of investment products clearly.

Take the upgraded version of Yu'e Bao, for example, which is not a fund product, but an insurance product.

Fund financial management method investment in funds means that the fund sponsor collects the dispersed funds of investors by issuing fund certificates (i.e., benefit certificates), handing them over to the fund custodian for safekeeping, the fund manager for operation and management, and the investment income is distributed to the fund certificates

An investment method for holders.

Purchasing investment funds by office workers is equivalent to handing over funds to experts. It is not only risky, but also saves time and trouble. It is the best investment tool for family investors who lack time and professional knowledge.

P2P financial management method The P2P financial management institutions on the market today are all based on peer-to-peer returns in the P2P form. They have low investment thresholds, low risks, high returns, flexible capital turnover, and relatively simple participation forms.

Financial planners said that office workers only need to invest funds to subscribe for high-quality personal debt that already exists on the P2P financial management platform.

Financial management institutions, on the other hand, only make connections and lend money to high-quality borrowers who have passed the review, thereby obtaining high returns, while investors sit at home and wait for the returns.

Gold financial management method Gold, as the best value preservation tool, has been favored by everyone since ancient times. It is believed that owning gold in addition to traditional stock and bond assets is the best strategy.

Especially in a turbulent world, many investors believe that only gold is the safest asset.

Therefore, investors unanimously regard gold as an important part of their investment portfolio.

Financial planners say that making money by investing in gold mainly depends on its appreciation.