Financial management is still a headache. I signed up for a well-known financial management class last year and summarized three financial management methods that are more suitable for me. I can share it with you.

(1) current savings.

All major banks have this kind of wealth management products, mainly starting from one yuan, with no closed period and flexible access. I chose "Guangyin Cash A" from China Everbright Finance, with an annualized rate of 2.53% in seven days as of May 10, which is higher than similar products from other banks. 10000 yuan can be redeemed quickly, which is enough for me. This "coin purse" type of wealth management product has low risk, and the safety factor can be assured! It's this kind of demand deposit product, all of which are floating income ~

② Save money regularly.

As we all know, the longer the fixed term, the higher the interest rate, but it is difficult to guarantee the liquidity of the principal. I suggest you adopt the "ladder deposit method":

Suppose there is 20W, which is divided into 4w/6w/ 10w and saved for 1/2/3 years (here, I bought 1 year as the "Sunshine Gold" series products of Everbright Financial Management, and the income is quite stable, after all, the term interest is too low ...), and it will be converted into three years and the fourth year after maturity. #2 198964 greatly increased interest.

③ Long-term savings

This money is usually not used for a short time, but it is a part that must be spent in the future.

For example, I am still studying new "personal pension", such as the pension I prepared for myself and the education fund for my children. At present, there are Everbright Financial Management, CMB Financial Management and BOC Financial Management to choose from. I will come back after I have studied it clearly. ?