if you have 2, yuan of spare money, investors can choose the appropriate financial management method according to the idle time of the funds. Generally speaking, 2, yuan can be deposited for a fixed period, bought into money funds, bond funds, stock funds, stocks and government bonds. If the funds are idle for a long time, you can deposit them regularly and buy government bonds. These two methods have high safety factors, but the income will not be very high.
If the funds are idle in the medium term, you can buy stocks, equity funds and bond funds. These financial management methods are relatively risky, but the income will be higher. The most important thing to invest in the above ways is to choose a target. Whether it is a stock or a stock fund, it is recommended to choose the target stock of a high-quality track. If the funds are idle for a short time, you can buy money funds and reverse repurchase of government bonds. Money funds are more flexible and can be withdrawn in advance when you need money; The date of reverse repurchase of government bonds is also relatively short, and the principal is relatively safe.
when choosing financial management methods, investors are advised to consider their own risk tolerance first. After all, some financial management can make people lose all their money. There are basically so many common financial management methods, and different financial management methods bear different risks. Among them, money funds, time deposits and national debt are considered to have the most stable income and the least financial management risk, but the income is relatively low, and investment risks such as stocks and stock funds are relatively large.
the word "financial management" first appeared in newspapers in the early 199s. With the expansion of China's stock and bond market, 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, with funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit are personal liabilities.
you need to open a corresponding wealth management account when you go to a bank or securities company for wealth management. Generally speaking, the wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at the bank counter.
the wealth management account opened by a securities company can be used to invest in a series of investment and wealth management tools such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of securities accounts can be handled in the business departments of securities companies, and it needs to be handled within the trading day.
the above contents do not constitute investment advice, so please judge according to your own situation. Investment is risky and requires caution.