There is a fixed salary every month. If you save a little money every day, you can accumulate financial management. How to allocate the proportion of salary management? So today, Bian Xiao is here to sort out how to allocate the proportion of salary and financial management. Let's have a look!

How to allocate the wage financing ratio?

The first part of the monthly salary is the money that must be spent, such as renting a house, transportation, water and electricity, and eating. , can be controlled within 2500 yuan. This 2,500 yuan can be deposited in the change card or Yu 'ebao, and spent with the money in the flower garden, and then withdrawn to the bank card with the change card next month to return the flower garden, or the Yu 'ebao will return the flower garden, and so on. Although the income earned may not be much, it is still small.

The second part of the money can be deposited in time deposit, because the current financial management is risky, there is the possibility of loss, and there is instability. Therefore, you can consider taking out 20% of the funds for time deposit and saving a sum every month. There are 12 deposits in one year 12 months. If there is an emergency that requires early withdrawal, only the part of early withdrawal will be affected, and other parts will not be affected.

In the third part, we can consider financial management, but there are many options for financial management. If you are a conservative investor and can't take any risks, then you can consider low-risk financial products, such as low-risk regular financial products. Just pay attention to the fact that regular wealth management products have a time limit and cannot be taken out in advance, which is not flexible. When saving money, you should plan your funds well.

If you want to pursue higher returns and are an aggressive investor, you can consider the types of stock funds and index funds with higher risks, but you should pay attention to the possibility of heavy losses when the market is not good, so be cautious.

Lucky money can invest in the following wealth management products:

1. Fixed investment of the fund

Fixed investment in a fund refers to investing in a designated open-end fund at a fixed time and amount. You can choose a fund with a monthly investment of several hundred yuan to exchange time for income.

2. National debt

National debt is a kind of bond issued to the public on the basis of national credit. It is a good and stable investment product with high security and basically zero risk.

3. Time deposit

Fixed deposit capital preservation means that the bank and the depositor agree on the term and interest rate in advance when depositing, and the interest rate will be higher than the bank's current demand for the same period. Generally speaking, the longer the term, the higher the interest rate.

4. Time deposit

Deposit certificates refer to large deposit certificates issued by banking deposit-taking financial institutions for individuals, non-financial industries, government organizations, etc. It has a certain term, generally divided into 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years. The longer the deadline, the more people expect it.

5. Fixed income wealth management products

Fixed-income wealth management products, the expected income is locked in a certain range, and the risk is small. Investors can purchase such products through banks, insurance companies or securities companies.

6. Gold accumulation

Gold deposit business refers to the debt business in which a bank opens a gold deposit account for individual customers to record a certain amount of gold deposited by individual customers in a certain period of time. Within the business processing time specified by the bank, individual customers can purchase gold accumulation shares from the bank and deposit them in the gold accumulation account, and the accumulated shares can be redeemed or exchanged for physical gold products. Generally speaking, the minimum threshold for each accumulation is1g.

There are the following skills to deposit lucky money in the bank:

1. Compare the interest rates of different banks.

When you go to the bank to deposit money, you can compare the interest rates of different banks and try to choose the bank with high interest rate to get more income. Generally speaking, the interest rate of small banks is higher than that of big banks.

2. Compare the interest rates of different deposits.

Generally speaking, the interest rates of bank time deposits and certificates of deposit are higher than those of bank demand deposits, and depositors can choose to deposit time deposits or large deposits to obtain more income.

3. Try to choose long-term time deposits or certificates of deposit.

Both certificates of deposit and time deposits have a certain term, and the longer the term, the higher the interest rate. At the same time, if the depositor withdraws in advance before the maturity, the income will be calculated according to the current interest rate, which will cause the depositor to lose a lot of interest income. Therefore, when depositing certificates of deposit and time deposits, depositors should try to choose time deposits with longer maturities or hold certificates of deposit with maturity.

Step-by-step savings method

The ladder savings method is to divide the current funds into several equal parts according to the amount, and then buy bank time deposits with different maturities from low to high. For example, there are 654.38+million yuan, which are divided into three parts: 20,000, 30,000 and 50,000, and are deposited into one-year, two-year and three-year time deposits respectively. One-year deposit expires and is transferred for three years. When two years expire, it will be converted into three years. In this way, after two years, 654.38 million yuan is a three-year time deposit.

5. Interest-bearing deposit method

Rolling deposit method is a kind of saving skill that combines deposit and withdrawal of interest and lump sum deposit and withdrawal. In this way, you can get higher interest than ordinary deposits. First, deposit a sum of money by the method of deposit and interest, and after a period of time, take out the interest of this deposit; Open another lump-sum deposit and withdrawal account, deposit the interest of the withdrawn deposit into the account, and repeat the same operation regularly in the future.