My investment and financial management concept can bear certain risks, but it also needs to consider certain security. So generally, I don't touch the stock investment. If I want to invest, I will choose the investment fund project. The fund is a relatively hot investment method, and many people have gained good income from it, even ordinary citizens can earn a lot of money. These are all based on good market conditions. If they encounter particularly bad conditions, it will be a great loss. Because I am a young man, I am more aggressive and want to get higher returns, so I can accept higher risks. Generally, I will not buy a money fund. Although it is safe, the yield is also very low, but I will buy some popular sectors, such as new energy vehicles, consumption, medical care and so on.

The fund method is more suitable for young people's choice, and I am a young person myself, so my concept of investment and financial management will be presented in this way, and people's concept of investment and financial management may also change. For example, when they are more mature, they will choose to deposit money in the bank, buy money funds or buy financial products. This is my current concept of investment and financial management. I also buy funds at ordinary times. Although there are not so many controllable funds, at least my concept of investment and financial management has been cultivated. Moreover, the fund's rate of return is also maintaining positive returns, and at the same time, it will buy wealth management products and develop in many ways. These preconditions are that I can have enough funds, so if I have enough funds, I will choose six-point investment funds and four-point investment in wealth management products.

Investment funds choose index funds instead of money funds. This is my current concept of investment and financial management. I think the most important thing is the formation of the concept, which can have a good control over the funds. This is the most important thing. The investment behavior is not so important. When I was young, I didn't have so much money, so I can try it.