How to manage money with 1,000 yuan?

What are the methods?

1,000 yuan is a relatively small amount of money, and the management effect is not very good. It will not generate much income in the short term. In addition, many investment and financial management methods have high thresholds, and 1,000 yuan is far from meeting the requirements.

However, I think that 1,000 yuan can still be used for investment and financial management. Please see below.

1,000 yuan financial management 1. Fund fixed investment It is recommended to make a fixed fund investment of 300 yuan per month, taking advantage of the advantages of fixed investment to spread risks equally and the power of "compound interest" calculation of reinvesting dividends, in order to obtain relatively stable returns.

How to invest and manage money with 1,000 yuan? Personally, I think fixed investment in funds is a good method. As long as it is done properly, it is not a problem for the annual interest rate to exceed 10%.

It should be noted that fixed investment in funds requires a longer investment cycle to achieve ideal investment returns, and it is recommended to at least 1.5 to 3 years.

This is a relatively conservative plan, and there are not many market changes that individuals need to consider.

Young people can also spend some of their energy and money to directly participate in and research the stock and fund markets.

2. Buy P2P products. Use 500 yuan to buy P2P products. P2P products have emerged in recent years, and now the income is still relatively high. You can also invest with 300 yuan. For example, Tuandai.com’s p2p products are very good and provide continuous services.

The period ranges from 1 to 36 months, and the reference annual return rate is between 7% and 12.6%. The income is at a medium level in the industry.

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3. The remaining 200 yuan should be used for daily savings to prepare for future unexpected expenses or the purchase of large items.

This part can be put into products like Yu'ebao, and you can enjoy about 4% of the income, and you can use it as you want.

In short, although 1,000 yuan is not a large amount, you can still accumulate wealth as long as you invest in financial management slowly. In addition, financial products have a high risk of annualized returns exceeding 15%, so don't touch them.