After paying the completion capital, each of us will have some money left. Some migrant workers just want to make money with their wages, so which way to manage their wages is good? So today, Bian Xiao is here to sort out which funds should be purchased for each month's salary. Let's look at the analysis!

What fund should I buy for my monthly salary?

Diversified investment: Divide wages into different types of funds, such as stock funds, bond funds and hybrid funds. This helps to reduce risks, because different types of funds may behave differently under different market conditions.

Regular investment: put a certain amount of salary into the fund every month and adopt the method of regular fixed investment. This method can average the cost of purchasing fund shares and gradually establish a portfolio.

Choose according to the target: choose the fund according to your own investment target. For example, if you want to add value for a long time, you can choose a stock fund; If you want to be conservative, you can choose bond funds or money market funds.

Consider the risk tolerance: choose the fund according to the risk you can bear. If you have high risk tolerance, you can choose more stock funds; If your risk tolerance is low, you can choose a bond fund or a hybrid fund.

Long-term investment: fund investment is generally suitable for long-term holding. It is recommended that you consider long-term investment planning when purchasing funds and be patient in the investment process.

Basic methods of capital operation

Selection of investment targets: the fund manager selects appropriate investment targets according to the investment strategy and objectives of the fund, including stocks, bonds and financial derivatives.

Trading: fund managers buy and sell investment targets according to market conditions and investment strategies, and adjust the allocation of investment portfolios.

Risk management: fund managers need to formulate corresponding risk management strategies according to market risks and the risk tolerance of funds to ensure the value of funds.

Performance evaluation and reporting: Fund managers need to conduct performance evaluation regularly, monitor and report the investment income of funds, so as to provide transparent and accurate information to investors.

Investor service and communication: fund managers should provide investor education and services, communicate with investors through regular reports and investor meetings, answer questions and help investors make wise investment decisions.

How to manage your monthly salary is the most appropriate?

1. Strictly control expenditure and make a good budget.

When the monthly salary is paid, we should make a good budget for this month and save some unnecessary expenses. First of all, there is no way to save food, clothing, housing and transportation, but when renting a house, you can try to rent a cheaper place, and then you should travel less and buy some unnecessary things. Once you plan, don't change it easily.

2. Targeted investment and financial management.

For example, in Alipay or bank financing, there are many wealth management products in Alipay, including fund financing, gold financing, purchasing wealth management products, balance treasure financing and so on. If it is the living expenses for daily expenses, you can put it in Yu 'ebao to earn income and use it at any time. Generally, you can save a few months of daily expenses for a rainy day.

The second is to buy wealth management products. The income of wealth management products is generally higher than that of bank time deposits. Although financial management is risky, it can be bought with less risk, and there is a great chance of making money by holding it for a long time. It's just that when buying wealth management products, it depends on how long the product term is, such as one year, so if the money saved in this year is not needed, it can't be taken out in advance.

Which is better for salary management?

1, make a reasonable financial plan.

No matter the salary is 3000 yuan, 4000 yuan, 6000 yuan and so on. You can allocate funds reasonably according to your own situation and do a good job in financial planning. For example, a salary of 3,000 yuan can be divided into two parts. Details are as follows:

The first part is the money that must be spent, such as renting, eating, transportation, water and electricity, etc. , can be controlled within 2500 yuan. This 2,500 yuan can be deposited in Yu 'ebao, which is not used at first, earning income, using Yu 'ebao to spend flowers next month, and then continuing to use flowers. Although the income may not be much, it is still small money, and many a mickle makes a mickle.

The second part of money is used to buy wealth management products. For example, Alipay chooses stable wealth management products to buy 500 yuan every month, and the annualized income is around 4%. Although sound wealth management products do not break the capital, they will not lose money if they are held for a long time, so there is a greater possibility of making money.

2. Work hard, get promoted and get a raise.

Hard work, promotion and salary increase are essential, because financial management needs principal, and to have enough principal, salary is an important source. Only when you earn more money can you take money to manage your finances.

Only when managing money, we should also pay attention to the risks of managing money. Don't blindly manage your finances, learn more relevant knowledge to enrich yourself.

What is the best way to manage wages?

Money funds and bond funds can be considered in salary management. These two types of funds are relatively small in risk and stable in income, which are more suitable for financial management of migrant workers. When managing money, you can click in to check the past income of bond funds, fund managers, fund size rules, morning star grading and so on. And then comprehensively consider whether to save it.

If you want to pursue higher returns, you can also look at the types of high-risk funds such as stock funds, hybrid funds and index funds, and then you can adopt the method of fixed investment funds. Fixed investment is a regular fixed purchase, which averages the risk to a certain extent. Because fixed investment belongs to batch admission, it can achieve the effect of sharing the cost, so it is easier to produce a smile curve effect and can make a small contribution to limited wages. Just pay attention to the risk of fixed investment.