the premise of financial management is to protect the capital and then ensure the investment with certain income, so it is suggested to choose some investment methods with relatively low risk.

first of all, we can consider some investments with long-term stable income, such as fixed fund investment, buying 3-5 yuan every month and holding it for a long time.

the other part of the deposit can be bought in paper gold, and the income is relatively considerable.

There is also a part of the deposit, which can be used to buy short-term wealth management products of banks, with short cycle and low risk.

Finally, the money that may be used at any time can be used to buy money funds, which can be purchased at any time and redeemed at any time. It is also more convenient and flexible to use money, and the income is higher than that in the bank.

the above wealth management products can be purchased directly by going to the bank, and those with online banking can be purchased directly online. You can ask at the counter!

In addition, reading some financial books may be instructive.

You can read

1 Financial Weekly and Financial Bible, written by Taiwan Province's Huang Peiyuan, China Business Press;

2 Life-long Financial Planning, written by Wang Zaiquan, Peking University Publishing House;

3 "Financial Management Course for Babylonian Rich People", translated by George klassen and Bill Lee, China Academy of Social Sciences Press;

4) Financial quotient is 1%, common sense and rules of personal finance and getting rich, Sima Changchuan, China Archives Publishing House.

these books are easy to understand, with clear views, and are also good introductory books for financial practitioners.

In addition, you should pay more attention to a few points in your daily life, which will be of great help to your financial management.

1. Learn to cut costs. Wages are limited, so you should save unnecessary money. As long as you save, you can still save a considerable amount of income a year, which is the first step in financial management. Ordinary people, that is, they want to use a few dollars in their hands to earn some interest by saving in the bank, or to participate in the repurchase of government bonds, with a slightly higher interest rate. 2. Do a good job in open source. With the surplus money, it is necessary to use it rationally, so as to preserve and increase its value and generate greater benefits.

3. Be good at planning. The purpose of financial management is not to earn a lot of money, but to make life secure or better in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management.

4. Reasonably arrange the capital structure and seek a balance between actual consumption and future income. You can entrust professionals to design this part for your reference.

5. consider the rate of return according to your own needs and risk tolerance. A high-yield financial plan is not necessarily a good plan, but a plan that suits you is a good plan, because the higher the rate of return, the greater the risk. The scheme that suits you is the one that can achieve the expected purpose and has the least risk. Don't blindly choose the scheme with the highest rate of return.

I hope I can help you! Hope to adopt!