Animal experts divide our common animals into six types: aggressive, diligent, cunning, dependent, knowledgeable and simple, which shows that animals have the same personality as people, but many people will be surprised to say that these animals with different personalities have their own advantages in financial management. In fact, the survival of various animals is closely related to their "financial management" ability. Many animals can be called "financial experts" and are worth learning from.

◆ lion's financial division of labor

Lions have a strict division of labor in family finance. The lion is in charge of the fence. When he sees a piece of land that has not been discovered by other lions, he will first sprinkle a few bubbles to show the ownership of the land, and then the lioness will hunt in the territory. Catch the prey and enjoy it with the lion and the lioness. The lion's division of labor is similar to that of modern people, that is, "the man is outside and the woman is inside." Like lions, men should actively explore new fields and strive to create wealth, while women should learn from lioness, take good care of the wealth created by men and prevent the loss of family assets. In this way, couples can share the beautiful life brought by wealth creation and scientific financial management through joint efforts.

Financial tips:

1. Both husband and wife should let the one who is good at financial management take the responsibility of financial management and make good use of the family's resource advantages.

2. Husband and wife can have a specific division of labor in financial management, or they can implement AA system to manage their own finances. In this way, in addition to spreading risks, it can also reduce family financial disputes.

◆ rabbit's decentralized risk method

Among animals, rabbits are weak. There are eagles in the sky and wild animals on the ground. In order to survive, rabbits usually have to dig multiple caves in the feeding area. In this way, if you meet an enemy, you can hide in a nearby cave to ensure your own safety. This is what people often call the "three caves of cunning rabbits". In financial life, you can learn from rabbits and choose more investment channels. For example, the pursuit of stability can choose savings, national debt, RMB financial management, and the pursuit of income can invest in real estate, trust and open-end funds. We should adjust and choose a better "cave" in time according to the situation, minimize the risk and improve the wealth management income.

Financial tips:

1. For ordinary salaried investors, matching wealth management products should take into account profitability, safety and flexibility. For example, if you buy an open-end fund, you can buy money funds, bond funds and stock funds separately, so that you can take into account the above three points.

2. Although diversification can reduce risks, you can't blindly invest in unfamiliar areas simply for diversification, so the effect will often be counterproductive.

◆ Leopard will calculate the cost.

People often use the phrase "eat leopard gall". In fact, leopards are not only bold, but also cautious, and will "analyze" and "think" about some things. When a leopard preys on its prey, it will consider whether it is worth paying the price. For example, it tends to despise rabbits and other small animals, because it knows that chasing a rabbit consumes the same heat cost as chasing a sheep and a deer, so it will choose prey with the same "cost". The same should be true of human financial management. If the investment period, risks and other factors are roughly the same, try to choose investment varieties with high returns. For example, the risk of national debt and savings is equivalent, but there is a certain gap in income. At this time, we should learn from leopard, and after calculation and analysis, choose investment varieties with high returns.

Financial tips:

1. Now banks are launching more and more wealth management products. However, due to geographical and time constraints, many people still have to go through a lot of trouble to buy a wealth management product with relatively high income. At this time, it is necessary to consider whether the extra income is equal to the time cost.

Don't be fooled by superficial interests. At present, the expected returns of foreign currency wealth management products of banks vary greatly, some are around 4%, and some are as high as 10%, which requires investors to see clearly the investment direction of wealth management products, and not to blindly risk the principal in pursuit of high returns.

The vole is the best saver.

The vole has a high IQ. Autumn is the harvest season, and voles know that they can safely spend the cold winter by storing food. Usually, a vole needs to store seven, eight or even more kilograms of grain. It takes a lot of time and energy to transport and store so much grain, but they are very dedicated and enjoy it. With the improvement of people's income and the change of consumption concept, more and more "moonlight clan" spend all their monthly income. Of course, spending money like running water is very chic, but when it comes to spending money, it is also very embarrassing. Therefore, young people who only spend money but don't save money should learn the financial thinking of voles for a rainy day.

Financial tips:

1. The best way to save money is lump-sum deposit and withdrawal, with a fixed deposit every month. After a long time, it will naturally form the habit of regular savings.

2. Regular subscription of open-end funds also contributes to the accumulation of family savings. This kind of fund business draws lessons from the marketing mode of investment by stages and long-term benefit from the insurance industry. Its biggest feature is that multiple subscriptions dilute the investment cost and avoid the potential risks of one-time investment; At the same time, the entry threshold is low. Generally, you can invest more than 200 yuan every month, which is very suitable for the working class.

◆ Wolves pay most attention to stability.

Among animals, wolves should be regarded as the most calm and calm. Before each attack, it must know its opponent carefully, first kill his opponent's endurance with confrontation, and then wait for the opportunity. If faced with an opponent who is stronger than himself, the wolf will attack with the help of collective strength and never fight unprepared, so the wolf rarely misses the attack in his life. In real life, the wolf's calmness is also worth learning. At present, there are more and more financial channels. In the face of various temptations such as capital preservation, poly, high interest rate and high return, we should correctly analyze and see if these products are really suitable for ourselves and avoid blind behavior. So your investment and financial management will never fail like a wolf.

Financial tips:

1. The best financial planner is himself. Only by constantly learning financial management knowledge and mastering financial management skills can we avoid the risks brought by blind investment more effectively and realize steady income.

2. The investment should be made according to the principle that it varies from person to person and adapts to the time. If the family income is not very high and the burden is heavy, we should adopt a prudent financial management method, because risky investment will often make our life worse. However, the income of the elderly will not increase greatly after retirement, and the cost of seeing a doctor and taking medicine will gradually increase. So at this time, don't think too much about income, but use safe channels such as savings, national debt and RMB wealth management.