With the popularization of the concept of investment and financial management, more and more people are beginning to realize the value of financial management. But for wage earners, the monthly funds available for investment are relatively limited, so how to manage small funds? Let's learn how to make money with small money.

First, how to manage small funds

1, bank deposit

There is no threshold for bank demand deposits. Even if the amount is small, the deposit interest rate is too low. It is recommended to deposit it as a time deposit. The initial deposit amount of time deposit is not high, small funds can also participate, and at the same time, higher expected interest income can be obtained than demand deposit.

There are also some deposit techniques for time deposits, such as twelve certificates of deposit, combined storage, four-point storage and ladder storage, which can all play the role of making big money with small money. We won't explain the specific operation skills of these four savings methods in detail, but they are introduced in the "Bank Financing" in the "Low Risk Financial Management Collection".

2. Baby financial products

Money funds provided by third-party payment platforms such as Yu 'ebao and Licaitong are the most common baby wealth management products, and the expected return on investment is generally higher than bank demand deposits, even higher than one-year time deposits of some banks.

Major banks also provide a lot of cash management financial products, such as live treasure, live treasure and so on. Such products are similar to money funds in terms of investment threshold and investment risk, and are more suitable as small fund management tools.

Second, matters needing attention in microfinance management

Small-capital investors are usually novices in investment and financial management, and their risk tolerance is weak. Attention should be paid to appropriately diversifying investment risks. The most direct way is portfolio investment. Although the investment capital is small, don't put your eggs in one basket. On the basis of ensuring the safety of principal, you can choose money funds and bank wealth management products for portfolio investment.

The above content about how to manage small funds, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.