In fact, there are quite a lot of wealth management products in banks now, ranging from 50,000 to 1 10,000. I went to the bank today. This bank insurance needs to be kept for five years, and the annual guaranteed income is 1 000 yuan, which is not bad. It depends on your acceptance. In addition, you can consider your savings as a financial goal. Time deposits are ok, but generally there is no high income without bank insurance. For example, the five-year time deposit is only 3.6%, and the three-year time deposit is only 3.36%, which is even lower in one and a half years or even three months. At present, it is really a waste to put your current savings of 654.38 million in the bank. Your current savings only need to guarantee your expenses and emergency funds for six months. According to your financial objectives, you can control the deposit of 654.38+million as fixed deposit or bank insurance. In fact, the income from bank insurance is still ok. But the capital turnover is not flexible. Another solution is to buy a money fund. As the management of cash flow, it takes about one year to replace the fixed investment of the bank for one year, and the risk is extremely low. The general income is still ok. If the stock market is not good, it can also be turned into an index fund.

Because you know your expenses too well, but there is still a surplus in the income of 8000 yuan, so I suggest that you can choose the fund to make a fixed investment. You plan to invest for a long time, for example, five years, not hundreds of months. In the long run, you can accumulate a large sum of money and achieve the expected effect of financial management. Funds are experts in helping you manage your finances. You don't need much time to manage it. Just feel at ease and think of it as a habit of forcing yourself to save money. In addition, buy enough life insurance.

Financial management is actually to build an economic pyramid. Pyramids should start with infrastructure and be based on deposits. The first floor is life insurance and critical illness insurance, and the second floor is emergency fund ... The top two floors are collectibles and futures, that is, the higher the upper floor, the higher the risk return, the lower the lower the lower the risk return.

Capital instruments. The significance of the financial pyramid is that even if the upper investment is unexpected, the lower level is still stable.

, will not have a great impact on your financial situation. So we have to build the foundation of the pyramid first, so that the pyramid will not collapse.

Generally speaking, financial management should follow the 4-3-2- 1 rule, and 40% of annual income should be invested, which can not only bring high returns, but also won't devalue our money and make money. Such as stocks, funds, investment in real estate, business and so on. 30% is the daily expenses necessary for life, which is essential. 20% is an emergency fund, which should be kept in the bank for half a year to ensure living expenses. For example, because unemployment has no impact on income, the other 10% is the tool to solve the problem: insurance.

For reference only. oh