Return on investment ratio =A/B

When A/B is less than 1, try to improve the earning power. (To: As a newcomer in the workplace, investing in individuals is more important than managing money at this time! )

When A/B is greater than or equal to 1 and less than or equal to 5, some wealth management products will be started, and funds with low risk and high stability will be preferred.

Allocation of funds:

Once again: invest with spare money. It is suggested to set aside the daily expenses, insurance, money for buying a house and a car (which can be invested in a monetary fund) for the next three years and three to six months. Then, invest according to the individual's risk tolerance. For example, I am a moderate and steady investor, and I am not good at investing. I can consider starting with funds first.

There are three ideas about the classification of funds. In order of risk:

Stock fund > bond fund > money fund. The yield is the opposite.

This paper chooses the combination of index fund+bond fund+money fund.

(1) Selection of index funds: Use the method introduced in the investment guide of index funds by bank screws to select undervalued index funds. Judgement criteria: a. Profit rate should be greater than10%; B. the yield should be more than twice the interest rate of national debt. You can directly refer to the daily valuation table of WeChat official account of bank screws to choose.

For details, you can read the index fund investment guide yourself, which introduces in detail a series of small white operations such as how to buy, what to buy and how to sell.

Note: index funds are equivalent to a basket of stocks, and the risk will be lower than that of a single stock.

(2) the choice of bond funds:

Under the premise of allocating index funds, choose pure debt base. There are two kinds of pure debt base, short-term and long-term. Short-term interest rates have little influence, while long-term interest rates have great influence. The interest rate is at a low point, from low to high, so it is more appropriate to choose short-term bond funds; Interest rates are at a high point, from high to low, so it is more appropriate to choose long-term bond funds.

At present, the domestic interest rate is at the historical low of 10 year, so it is best to choose short term. At present, short-term debt is a niche product in China, and there are only OTC short-term bond funds at present. You can choose Dacheng Jingan short-term financial management A and Boshi Anying A with higher yield. —— The article of WeChat official account comes from bank screws.

(3) Monetary Fund: Money for short-term expenses is generally deposited in the Monetary Fund. It is the balance treasure that everyone knows on weekdays.

Summary: As a pregnant mother who is insensitive to numbers, she has just started to learn financial management. Personally, I advocate labor-saving and time-saving investment methods. So my allocation is simplified as: the combination of index funds and bond funds, each accounting for 50%.

?

Resource sharing: Top WeChat official account: (1) Sangongzi Life Recorder (2) Ten times a year.

Fund purchase channels: There are many kinds of purchase channels, which are only recommended for personal use. Choosing a purchase channel and a big platform is less risky. (1) Egg Roll Fund APP (Dacheng Jingan Short-term Financial Management A and Bo Shi Anying A? These two were bought here) (2) Tian Tian Fund APP(3) Oriental Fortune Network APP (which can be used to buy stocks and ETF funds).

Books read: index fund investment guide, written by bank screws, read by WeChat, sold. Interpretation of funds: my investment view and practice: discipline; Why the poor are poor; The first two books of Qian Qian, an ancient dog, are practical, while the last two books are thoughtful, both of which are introductory books and easy to understand.

Investment is risky, and investment is a long-term thing. Don't invest in it with a speculative attitude. These are some trivial ideas about personal finance. Take it if it's useful. At the end of the article, I prepared a small egg for everyone.