First of all, for white-collar workers, the purpose of financial management is to obtain an appropriate expected return on investment while ensuring the safety of the principal as much as possible, and safety is the first.
Secondly, for financial management, there should be a long-term plan, including what the cost is, what the standby cost is, and what the long-term cost is. White-collar financial management, what should I do specifically?
1, Yu 'ebao
For the expenses that may be needed at present, such as the money for a friend's wedding, travel preparation expenses, etc. This part of the expenses can be put into Alipay's balance treasure, because the time is short and the predictability is strong. Although the expected return is relatively low, it can far exceed the current interest of the bank during the same period, mainly because it is safe and flexible.
2. Fixed investment of the fund
Fund investment is a kind of collective asset management plan. It is only to make up for the lack of professional knowledge by handing over the funds to professional investors. However, when choosing a fund, you need to choose it carefully according to your own risk tolerance and with reference to the historical investment performance of the fund. Invest 40% of your savings every month to buy a suitable good fund.
3. Commercial support insurance
The moon is full of rain and shine, and people are doomed. Although white-collar workers may already have social security, social security is only the most basic guarantee. You can spend a little money to buy matching commercial insurance.
The above three financial management methods are suitable for white-collar workers. Specific how to choose, or need to be based on their own risk tolerance and expected income comprehensive decision. Tips: Financial management is risky, and investment needs to be cautious.