The monthly salary is 10 thousand, which is a fixed source of salary. Suppose: renting a house 1000 yuan, eating 2000 yuan and other expenses 2000 yuan, then there is still 5000 yuan for financial management every month, which has certain risks. Therefore, when managing money, try not to put all your eggs in one basket and concentrate on buying the same wealth management product, which is very risky.
Pay attention to risk diversification, reasonable collocation, and purchase financial products that suit you. Be sure to know something before buying. The following are several common financial management methods:
1. Monetary Fund. Money funds can deposit and withdraw money at any time, which can be used for daily expenses, such as Alipay's balance treasure and WeChat's change pass. It is also very important in daily payment, and it can gain income, and there is basically no possibility of principal loss.
Take out 30% to buy time deposit. This part is spare money, which is for the future. If you save for a long time, say five or three years, if you save for a fixed period of one year, the interest rate is very low. Why don't you put a balance treasure or change it? The longer the interest of the general bank is deposited, the higher the interest rate, and the more principal you deposit, the higher the interest rate.
3. Take out 20% investment fund. You can choose 2~3 bond funds, hybrid funds and stock funds to combine into investment funds. Generally speaking, the income is optimistic.