the current account of 1, yuan is too wasteful. I wonder what the income of your fund is?
how to manage money has always been a topic of great concern to everyone. Wait for me to knock it on you word by word. The following words are by no means copied.
financial management is a rigorous discipline, just like traditional Chinese medicine, and it needs to be heard and asked to provide the best financial plan. In financial consultation, you need to provide income, expenses, assets (car, house, stock fund insurance, etc.), liabilities and financial goals, and professional financial planners will provide you with appropriate solutions. Online financial planner: 188895567
Generally speaking, first of all, the most basic financial management method is to learn how to keep accounts, through which you can find out the reasonable and unreasonable items of your income and expenditure, so as to increase revenue and reduce expenditure.
Secondly, the guarantee of insurance. Insurance plays a very important role in financial management. Even if you earn 51 million yuan, if you don't have the guarantee of insurance, you may return to before liberation overnight. Therefore, it is necessary to have certain protection. It is suggested to start with protective insurance, such as accident insurance and health insurance.
Thirdly, the preparation of cash flow, according to the expert's advice and the customer base of Guangyu Finance Company, generally needs to save 3-6 months of total living expenses to cope with sudden accidents, diseases, or temporary unemployment, which leads to no source of income. For example, my monthly consumption is 3 yuan, so how much spare cash should I leave? Generally speaking, 3X3=9 yuan and 3X6=18 yuan, it is suggested to keep a demand deposit of about 15, yuan.
about fixed deposit of treasury bonds and gold. The income of time deposit is really low, and it will depreciate every day if it is put in the bank. In fact, the yield of bonds is not high, which belongs to the hedging tool, and it is good to have some. And gold, unless you are a professional speculator or have more than one million assets, it is not recommended for people with low assets to hold gold to preserve their value.
regarding the fixed investment of the fund, whether it is high-risk and high-return, or whether it is stable and profitable. The former buys stock funds, and the latter buys bond or monetary funds. After determining the types of funds, the selection of funds can be based on fund performance, fund manager, fund size, fund investment direction preference, fund charging standards and so on. Fund performance is ranked online. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and index funds with the same target should choose low management fees and custody fees. I'm afraid I won't make specific recommendations. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called "fixed investment" of the fund means that investors invest a fixed amount (such as 1 yuan) in the designated open-end fund at a fixed time every month (such as the 1th day of each month), which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method of the fund's "fixed investment", it is also called "small investment plan" or "lazy financial management"
The fixed-term investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price on dips and decreasing the price on dips, and can always get a relatively low average cost no matter how the market price changes. Therefore, regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market volatility. As long as the selected funds have overall growth, investors will get a relatively average income, and they don't have to worry about the timing of entering the market.
about stocks. Stock can obtain high returns, and it is also one of the indispensable financial management tools in profitable products. However, generally speaking, there are only four kinds of people who can make money in the stock market: institutional investors, professional traders, senior investors for more than three years, and people who learn to use the power of others. In addition, if you can make money just because of luck, if you can't do the first three kinds of people who make money, you might as well be the fourth kind of people who learn to use the power of others. With the help of Guangyu's excellent traders, it is easier to make money from the stock market.