How to manage money with 30 thousand deposits
1. Fixed investment of the fund
Fixed investment in a fund refers to investing in a designated open-end fund at a fixed time and amount. For a novice with only 30,000 yuan, you can choose a fund with a fixed investment of several thousand yuan per month in exchange for time.
2. stocks
Stock returns are high, but risks are high. Investors can consider putting part of their funds into the stock market to pursue higher returns.
3. Buy convertible bonds
Convertible bond is a bond issued by listed companies to raise funds from the society, which has the dual attributes of stock and bond. For novices with only 30,000 yuan, they can choose to apply when issuing convertible bonds. Generally, the number of successful bidders for convertible bonds is 1 lot and 1 10,000 yuan, and the income is considerable, mostly hovering around 10%.
Financial management skills
1, have a correct concept of financial management.
First of all, you have to change your mind. The ultimate goal of financial management is not only to make money, but also to learn to use wealth to make personal and family finances in an optimal state, thus improving the quality of life and taste.
2. Make a financial plan
Secondly, we should make a clear financial plan, which will help us to have a clear financial thinking and better grasp our future life. The financial planner said that a financial planning mainly includes determining financial objectives, cash planning, children's education fund planning, investment planning, insurance planning and retirement planning. Make a financial plan and stick to it.
3, learn to open source and reduce expenditure
Let's talk about saving money first. Financial planners suggest that individuals and families should set up an account book to record their monthly income and expenditure, which will help them know where the money is spent, analyze whether they have blind consumption or impulsive consumption, and what kind of consumption can be appropriately reduced, and make a summary regularly.
Although 30 thousand yuan is not a large sum, you can still have your own wealth when you do the details of financial management, but you must pay attention to some skills when managing money.