Contemporary young people usually like these three ways to manage their finances:

1. Balance deposit

2. Bank deposit

3. If you have no money, buy 2 yuan lottery tickets every day.

Since the so-called "the most popular financial management method for young people" P2P was deleted from the list, most young people have no place to put their savings. Moreover, the wealth management of Yu 'ebao Bank can't run away from inflation, so it is better to spend it directly. "Enjoy the moment" became the reason why they took the moonlight for granted.

before the 197s, "actively save to support national construction", in the 198s, "use tomorrow's money to do today's work", and in the 199s, "if you don't manage your money, you will ignore it".

nowadays, various financial management methods and products have entered people's lives in various forms. Finance, wealth, investment and financial management are no longer unfamiliar words. The change of people's concept is the biggest and the most far-reaching, which in turn pushes the society forward in an irreversible direction.

Young people approaching the age of 3 begin to have a midlife crisis, and the reality that has never been considered is shrouded in a dark cloud: parents are getting older and various diseases are beginning to appear; When you meet someone you love, getting married is a big expense. Naturally, I had a child, so I had an extra bite to eat at home?

even if you learn to save money, it won't be moonlight. However, can money make money?

The real anxiety starts here, and the speed of making money is too slow.

according to the rule of 72, take 72 as the numerator, the return on investment as the denominator, and divide "72" by "return on investment" to get the number of years required to double the investment. For example, at present, the annualized income of one-year bank wealth management products is about 4%, so 724=18, which means it will take me 18 years to double my assets. For 18 years, the children have grown up. The price of pork doubled in two months, but the assets doubled in 18 years.

yes, is this a problem that everyone faces?

No, anxiety is magnified here:

Buying a house three months after graduation from p>《95, and your peers are abandoning you

Graduating for three years, earning more than 1 million a year: making money is a kind of practice

The threshold of financial freedom in first-tier cities is 29 million, let's see how much you are still short of

People of the same age are better off than you, compared with what? I didn't see through it and dig out my anxiety, but I didn't give a solution. No amount of chicken soup can erase the cruelty of reality and the inner pain.

how to solve your worries? Only get rich.

twenty years ago, we said that learning English well would help us find a job. Now, study finance and live a good life.

There is no such thing as a free lunch, and financial experts are not trained in a day. The only certainty is that your income will continue to increase with your efforts. This is what "4-day live broadcast directly hits the investment logic of first-line securities firms" tells us:

1. If your risk appetite is very low and you expect to make a capital preservation investment, then income vouchers and reverse repurchase of government bonds are the best choices.

what is reverse repurchase of government bonds? It is the financial institution that mortgages the national debt to you and borrows money from you. You lend money to financial institutions. At maturity, you will get the principal and fixed income, and financial institutions will repay the principal and interest.

take national day as an example. Students who start selling government bonds on the 26th can enjoy 11 days' income. When the funds arrive on September 3, if you buy stocks or other products with interest on the same day, the funds will be fully utilized.

For example, some students choose to use Huatai Securities Novice Financial Coupon 6% on 3th. After success, under the superposition effect, compared with the National Day pure balance treasure, the yield is as high as 9%!

the key is that the principal is guaranteed and stable! Someone asked why 6% and 4% of the products of banks are at the top of the world. You have to understand that bank wealth management is a consignment, and banks will not issue wealth management products themselves. In this process, banks will sell the products of brokers, and the difference earned as middlemen will be grafted on our customers. Bank financing shows the annualized income of brokerage products after deducting bank profits.

Moreover, the high-yield wealth management vouchers of brokers are realized by reducing middlemen, so there is no such thing as "middlemen make a difference" in direct selling ~

2. If you have a certain investment base. After the novice period, with a certain amount of deposit funds, you can take out some funds to make some low-risk investments. So, what should you do?

I don't know if you've heard of the experiment of "gorilla throwing darts to pick stocks". In order to verify the amazing conclusion put forward by Burton malkiel, an economist at Princeton University in the United States, in his masterpiece Walking on Wall Street: "Let a blindfolded gorilla throw darts to pick stocks, and its final performance will not be worse than the portfolio selected by experts."

131 specially launched the "gorilla throwing darts to pick stocks" competition, giving fund managers a chance to prove their abilities.

it lasted for 14 years. On October 7, 1998, when 1 games were finished, The Wall Street Journal announced the final result: the fund manager beat the gorilla darts group with a score of 61: 39.

There is nothing to be happy about winning. After losing nearly 4 games, the earnings barely outperformed the Dow Jones Industrial Average (this has not deducted the transaction cost of the fund and the tax of investors). In other words, investors can easily surpass the investment performance of professional institutions as long as they invest in the market index.

"Stock price index" refers to stock exchanges and some financial service institutions, according to their professional knowledge and their understanding of the market.

, compiled the stock price index. In the actual market, it may select an appropriate number of representative stocks according to the industry distribution, economic strength, credit rating and other factors of listed companies to prepare sample stocks, which is what we call constituent stocks. The constituent stocks will be adjusted regularly, leaving only the stocks with good performance.

As a fund's stock price index, it can be bought by the general public.

If the stock price index solves the problem of what stock to buy, then the fixed investment of the fund solves the problem of when to buy.

Suppose we have a fund that performs like this from January to May:

January, 3 yuan,

February, 4 yuan,

March, 3 yuan,

April, 15 yuan,

May, 32 yuan.

suppose at the beginning of the year, you invested 24 yuan at a time, so 24÷3=8 shares. By May, when I go to 32 yuan, I can earn 32-3=2 yuan, the total income is 8*2=16 yuan, and the yield is about 6.7%.

and if I vote for 6 yuan every month, the total amount is * * * 2,4 yuan. Therefore, the shares I buy each month are:

January, 6÷3=2

February, 6÷4=15

March, 6÷3=2

April, 6 ÷ 1.

buy less shares at high points and more shares at low points, gradually accumulating chips and reducing costs. In the end, if you invest the same amount of money, you will have 95 funds, with an average cost of each 25 yuan. When sold in May, the income is 32-25=7 yuan/share. The total income is 64 yuan. The yield directly reached 26.7%!

3. what should I do if I want to invest in stocks myself? Whether it is quantitative trading or fundamental analysis, you need to learn more knowledge to enrich your investment logic at this time. The best advice is: start by investing in products you are familiar with. The more you and your friends use it, the more likely this industry will be good.

someone asked, can I just "take a chance and turn a bicycle into a motorcycle"?

You know, this sentence doesn't apply to everyone. A futures trader with an annual income of 12 times once shared the experience of doubling the income. He said: "The reason why my income can be calculated by multiple instead of yield is that I have such courage and ability because of my accumulated knowledge and practical experience all the year round, and the other reason is that the money I invested can be lost. If you don't worry about losses, you will have the courage to let go. "

to obtain direct sales and fixed-income financial management from brokers, the annualized income is agreed, and there is no middleman like banks to earn the difference, which is higher than GDP. Related Q&A: Are Huatai Securities' wealth management products risky?

This can't be generalized. All brokers have wealth management products, including varieties with almost no risk of capital preservation and interest payment, as well as risky investment products. First of all, it depends on the investment destination of wealth management products. Investing in bonds, money funds or other fixed-income varieties is almost risk-free. Investing in stocks, stock index futures hedge funds or other equity varieties is risky. It is necessary to make clear that reinvestment is necessary.