How to manage money is a topic that everyone has been talking about. The financial management methods and products you can find in the market are too complicated. Now I will simplify the complexity and share it with you!

By the way, there is a fund course that I strongly recommend. The great gods have been focusing on fund investment for many years, and the annualized income can reach 15%: only 50 people! Click to participate in the "fund training camp" and invest in high-yield funds!

Let's get down to business.

1. Stock-high-yield wealth management products

When you open an account in a brokerage firm, you can join the stock market without preparing too much principal. The nature of its own stock is particularly large, so it is suggested that the capital invested should not exceed 20% of the total capital. If you are a novice in financial management, it is still not recommended to stock up, because the risk is too high, systematic learning wastes time and energy, and it is easy to be cheated if you don't understand the market.

2. Funds-financial products with safety, profitability and liquidity.

Because the fund's funds are in the bank, it is very safe. Compared with the free investment in the stock market, the high risk, convenience, stability and special management of funds are obviously more favored by people. Since the fund 10 yuan, the price is very close to the people, and the investment varieties will not be concentrated on one variety, so the risk is very low. Redemption is inconvenient, liquidity is poor, and money is trapped, which will never appear in the fund.

Most people do not choose funds, resulting in low returns. For those who want to get long-term benefits, investing in God is a good choice: the benefits are limited! Click to participate in the fund training camp, and the high-yield fund has flowed out. Speed and investment income can reach 15%!

3. National debt-a wealth management product with low threshold, high security and poor liquidity.

National debt has many advantages. First, you can buy it as long as 100 yuan. National debt is not only safe, but also issued by the state. It can also bring about 4% annual income. As a long-term investment, national debt is not recommended to be redeemed in advance, because there will be a handling fee of 0. 1% for withdrawal.

Combined with the above analysis, the most suitable product for financial management is the fund. Ordinary people have three disadvantages in the investment process: unprofessional, lack of time and insufficient funds. And invest in a powerful fund, we can find a perfect solution to these problems. If you want to start a high-quality fund, come to the fund training camp: click "Fund Training Camp" to win fund investment!

The above is my view on how to manage money! "Answer, hope to adopt ~

Click on the link in the article to learn about the financial training camp, so that you can get twice the result with half the effort on the road of financial management!

How to manage money?

There is a well-known proverb in Henan, "If you can't eat and wear, don't expect to be poor all your life". Here, "eating" and "wearing" refer to consumption, and "counting" refers to the family income and expenditure plan, that is, financial management. When it comes to financial management, people usually think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage wealth for a lifetime, that is, cash flow and risk management for a lifetime.

First, the scope of financial management

1, making money-the income of the income person's life includes work income (salary, commission, bonus, self-employed income, etc.). ) and wealth management income (interest income, rental income, dividends, etc.). ) produced by using monetary resources. Work income is made by people, and financial income is made by money.

2. Spending money-A person's lifetime expenditure includes living expenses from birth to death (household expenses such as food, clothing, housing, education, entertainment and medical care) and financial management expenses (loan interest expenses, guaranteed insurance expenses, investment procedures expenses, etc.). ) comes from investment and credit.

3. Saving money-if the current income of assets exceeds the expenditure, there will be savings. The savings accumulated in each period are assets and the principal that can help you roll money and generate investment income. When we are old and can't continue to work to generate income, we must rely on monetary resources to generate wealth management income or realize assets to meet the needs of our later years.

4. Borrowing money-liabilities When income exceeds expenditure, borrowing money will accumulate into liabilities if it is not repaid immediately. Before the debt is paid off, in addition to living expenses, there are amortization expenses of principal and interest for each period. Such as the purchase of self-use assets mortgage, car loan, etc.

Second, the planning steps and core of wealth management products

Our most common wealth management products are: speculation, funds, stocks, futures, national debt, savings, bonds, foreign exchange, insurance, bank wealth management products, capital preservation investment, trust, jewelry and so on. Generally, products that may get higher returns also have risks. How to plan financial management?

The first step is to review the assets. Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite.

The second step is to set financial goals. It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target.

Step three, don't assume that you don't consider any objective risk preference. For example, many customers put all their money into the stock market, regardless of their parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.

The fourth step is to allocate strategic assets. Do asset allocation among all assets, and then choose investment varieties, investment timing and investment value.

The core of financial planning is the process of matching assets and liabilities. Assets are previous stock assets and income capacity. Debt is a family responsibility, supporting parents and raising children. Let your assets and liabilities dynamically match, so that you can maximize your income and get a high-quality life. This is the core concept of family financial management.

Third, several misunderstandings in financial life

Myth 1: No money management. Many people think that it is difficult to save money and manage money because of low income and many places to use money. This idea is wrong. There is no difference in financial management. As the saying goes, "If you don't manage money, money will ignore you". Instead of telling yourself "I don't have money to manage money", tell yourself "I will manage money from now on" and learn to invest and manage money as soon as possible. I have a friend who mortgaged his house for 500,000 yuan to participate in investment and financial management, with a yield of 2 1.6% and a loan interest rate of 6.25%. His annual net income is 77,500 yuan, which is higher than the total salary of his husband and wife.

Myth 2: You don't need financial management. Some people think that although they don't know how to manage money, they don't spend all their money every month, and sometimes there will be some money left, so they don't need to manage money. This view is also incorrect. Whether your income is really enough or not, financial management is a must.

Myth 3: Making money is not as good as managing money. Many people hold this idea. I feel that my income is good, and it doesn't matter if I can't manage my money. Actually, it's not. We should know that financial management ability and earning ability often complement each other. A person with high income should have better financial management methods to take care of his property.

Let's look at the following two examples.

1. Know how to manage money: save 1 10,000 yuan a year to participate in financial management, and set the rate of return as 18%. After 30 years, the total cash assets will be 9.33 million yuan! Among them, the principal is 300,000 yuan and the income is 9.03 million yuan! Inadvertently, a multi-millionaire was born.

2, will earn money: based on the high monthly salary of 6.5438+0 million yuan, the same 30-year salary income is 3.6 million, even if you don't eat or drink, it is only 3.6 million!

Is making money better than managing money, or managing money better than making money? The conclusion is that shrewd calculation is more meaningful than trying to make money.

How to manage money and outperform mortgage interest?

How to manage money and outperform mortgage interest?

First of all, summarize your investment experience.

To do one thing, first look at your own ability. Here is a summary of your so-called "experience".

Look at the investment products you have been exposed to in the past.

Although it was mentioned in the last article, it is not specific enough and comprehensive enough. The investment products contacted are as follows, which are listed from high risk to low risk. Note: The investment products listed below are only my personal contact, and have no meaning of recommendation or advertisement (it is estimated that no one will give me money to advertise (_ _).

(1) Leveraged investment products

Netease Precious Metals (5 times leverage)

Commodity trading (Fuling mustard tuber, Shouguang vegetables, etc. 5 times lever)

Graded funds (military industry B, Shenzhen Component Index B, medicine B, Internet B, environmental protection B, 1 ~ 2 times leverage)

(2) Stock and stock index funds

China railway stock

Internet stock index funds (Dingtoubao, Baifa 100 index fund, Tao Jin 100 index fund)

The graded fund corresponds to the parent fund (military industry, medicine, environmental protection)

Huabao petroleum gas

Deposit treasure (essentially gold ETF)

(3) Other funds

Hybrid fund (the core advantage of Baoying, because I saw that this fund invested in CRRC)

Bond Fund (E Fund Enhanced Bond A E Fund Guaranteed Return B)

(4) Commemorative coins collection category

Space commemorative coins and paper money

20 16 silver commemorative coin

Year of the monkey commemorative coin

(5) Internet fixed income category

Entertainment treasure, lucky treasure (some essence is universal insurance)

Yu 'ebao (essential monetary fund), Tianmaobao (with Tmall subsidy, now offline)

Jingdong Finance, Netease Money, Weizhong Bank, WeChat Licaitong, QQ Licaitong, piggy bank, etc.

Money fund (bought one in Yinhe before Yu 'ebao appeared)

(6) Traditional fixed income category

rescue

National debt (a 5-year period and a 3-year period)

Author: Long _ _

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Source: Jane books

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How to manage money with a monthly income of 8 thousand with a mortgage and a car loan

How to choose a financial management method when you only earn xxxx yuan a month? Since doing financial consultation, this is the kind of question that most people ask. If you feel that your self-control in financial management is not good enough, your knowledge reserve is not enough, or you want to make greater progress in financial management, then at the beginning, here is a reliable financial management training camp course to give you Amway first: sign up for financial management training camp and learn financial management efficiently with like-minded people!

Today, I will talk about the practical and efficient financial management methods of wage earners.

First, make more deposits.

Then, in fact, the first thing in financial management is to deposit. First, save your first money and then invest it. This is the correct way to manage money.

I will now introduce you to the 52-week savings method-a method to ensure that you save at least 13780 yuan every year.

The 52-week deposit method simply means that depositors must deposit in 10 yuan every week and then in 10 yuan every week for 52 weeks in a year. In the 52nd week, he will deposit in 520 yuan.

How much money will there be this year?

1020304050520= 13780

Although the initial amount is only 10 yuan, you can actually save 13780 yuan in one year, and the power of fund accumulation is very strong.

Of course, many people think it is really easy to deposit 10 yuan in the first week. 100 yuan is enough to get you started. Of course, you can simply start with 1000 yuan.

Everyone saves money according to his own situation, the rest save more, and the rest save less.

In the process of saving money, the amount target should be appropriate, don't stop halfway, and don't take out the money halfway.

Maybe you find it difficult to save money in this way, so you can withdraw the appropriate amount from this part of the deposit every month, so that your luxury desire can be satisfied and you can manage your finances easily and happily.

If you are worried that your savings plan can't be adhered to, you give up all your efforts before the meeting, or you are confused about what kind of financial products to invest in after saving money, then I recommend you to join the financial training camp: there are only 50 places! Click to participate in the "financial training camp" to improve your amateur earning ability.

Second, the way to manage money with less money

As we all know, generally speaking, it is best to use spare money for fixed investment or investment bank deposits, so as to avoid the embarrassment of not using money when it is really needed.

But the money is not enough. What should I do if I have no money on hand?

Here, I will teach you an investment method-twelve investment methods.

Take out a sum of money every month to invest in a fixed-term investment product, which is the so-called "twelve investment method", so as to get the best income and insist on monthly investment.

Up to this point, stick to it. You can save a sum of money every month, which can be used for normal financial management. After one year, in addition to interest, there will be principal payment every month.

At this time, if you want to use a lot of money, you can get the principal that has been paid or will be paid to achieve your goal.

If there is no urgent need for money, the investment funds, principal and interest received this month will continue to be invested.

This method can be used whether you choose a fixed fund investment or buy a bank wealth management product.

Third, how should I manage my money?

At present, there are various financial products, but there are still many similarities in basic principles and skills. For those friends who don't have much working capital, you can try the following methods.

The first step is to ensure your living expenses, that is to say, you should set aside your living reserve fund before managing your finances. Under normal circumstances, it is best to leave three months' living expenses.

This money can be completely deposited in Alipay's balance treasure, or in WeChat's change pass.

Under the condition of ensuring basic expenditure, the remaining funds can be used for investment.

Although people can have different ways to manage their finances every month, the actual choices of the working class are almost the same. Bank financing, funds, stocks and gold are the favorite investment methods of the people.

People's different ability to resist risks determines their different ways of allocating financial management. The risk levels are as follows:

Stock > stock fund > gold > bank financing > money fund, the higher the risk, the higher the income.

Among them, stock funds belong to floating income wealth management products, and the reason why they can't be compared with fixed income products of the same dimension is that their income is directly proportional to the risk, while the risk of fixed investment of funds is lower.

High-risk wealth management products used to obtain income can choose stocks and equity investments, and safe-haven assets can choose gold for allocation.

After the theoretical knowledge is finished, the focus of financial management still depends on practical operation, otherwise it is useless to collect more information, and the welfare is coming! "Financial Training Camp" takes you to the Nuggets with ease and stability. Click register.

The above is my answer to "how to manage money with a monthly car loan of 8 thousand", I hope to adopt it ~

Click on the link in the article to learn about the financial training camp, so that you can get twice the result with half the effort on the road of financial management!

How about personal loan financing? Personal loan financing mode

How about personal loan financing? Introduction of personal loan financing methods. Personal loan financing has become a popular trend and a necessary way of financing, because it is difficult to ensure that one's life will be very moist only by relying on one's meager salary. So, what are the main methods?

Introduction of main points

How about personal loan financing? Introduction of personal loan financing methods

We often talk about insurance, funds, lottery tickets, real estate and so on. The above are the basic personal loan financing methods, and we will introduce them one by one. First of all, let's introduce insurance. Many people may not think that insurance is a way of financing loans. In fact, this idea is not correct. Although we need to pay a certain insurance fee to the insurance company in the early stage, after a certain period of time, the insurance company needs to pay a certain fee to the insured regularly. Therefore, insurance is also a way of financing personal loans. Although for many working-class people now, the work unit bears five insurances and one gold, you can buy some other types of insurance according to the specific situation, but you must not blindly buy a lot of insurance according to your current economic level, so insurance will also become a way for you to increase your expected annualized expected income in the future.

Real estate is a very common way for us now, so what is real estate? Real estate is similar to our houses and other buildings. All belong to real estate. With the rising of housing prices, more and more people start to invest in real estate speculation, which is an investment in real estate, even if it is to buy a house for themselves. There is great uncertainty in real estate investment, because we don't know whether the future value will rise or fall, but because real estate can be retained for a long time, it has become a more popular way.

Funds and stocks are our most common ways to invest in securities, but we must be cautious when we use them as personal loan financing methods, because both of these investments have great risks, so we must make a detailed understanding before investing, and it is best not to invest too much money when investing for the first time, lest we get caught up in them because we don't understand them, which will eventually lead to serious losses. Especially when choosing a specific investment company, we must carefully understand the company's credit status and future development prospects.

Mortgage the property, and then use the money to manage money. How does this work?

If you want to use the loan as an investment, there are two operations: withdrawing cash and disconnecting funds, and using the purchase and sale contract to prove the use of funds.

The mortgage loan of real estate must choose the loan with lower interest rate, with the annualized minimum being 4.35% of benchmark 1 year and 4.75% of benchmark 1 to 5 years.

The income from bank financing will not exceed 5% compared with the annualized loan with a term of 1 year, for example, 5%-4.35% = 0.65% 1 million yuan. When making a loan, there will still be some small costs, such as housing appraisal fees. There is basically no profit space for user accounting. In fact, it can be calculated that if the annual income of financial management does not exceed 8%, the practical significance is not particularly significant. The loan money cannot directly flow into the financial management. If you want to use the loan money for financial management and investment, you'd better find someone to exchange it for a sum of money, so you won't have any worries when you use it, for fear that the bank will recover the loan.

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First, the real estate license mortgage loan

Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.

Third, apply for a loan with a bank real estate license.

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have permanent residence and fixed residence;

3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

4. Someone in the real estate * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities;

5. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

6. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage;

7. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

Two, real estate mortgage loans need to submit the following documents to the bank:

1. The borrower's fixed income certificate issued by the borrower's unit;

2. Credit certification documents such as business license and legal person certificate of the loan guarantor;

3. The borrower's legal and valid identity certificate;

4. The relevant certificates of the ownership of the house or the certificates that I enjoy the rights to the house according to law;

5. Appraisal report, appraisal report and insurance documents of the mortgaged property;

6 contracts, agreements or other supporting documents for the purchase and construction of housing;

7. Other documents or materials required by the lending bank.