First of all, I only do a little stock, accounting for 1% of my bank deposit, and the rest I do one-way time deposit.

My opinion is that there will be no pie in the sky. Why is it called venture capital? First of all, there must be risks. Most people say (many financial managers I have contacted) that the risk is high and the income is high, but they never emphasize the risk to you.

My view on financial management is capital preservation. In case of investment loss, don't affect your basic life and quality. Do not buy wealth management products.

I have been a stock trader for more than ten years. At first, I heard someone say which stock to buy. Now I can judge for myself. I should study hard. Investing in stocks is disciplined. Don't put all your money at home.

In addition, I divide my income into several pieces every month: from clothing, food, housing, transportation, education, medical care, telephone charges, utilities, rental fees (if I buy a house with a loan, it is the cost of repaying the loan).

The way I manage family funds is:

Bank card management

Through physical isolation

In the bank where you deposit money, * * * opened three cards:

The first type: bank cards with relatively large deposits must not open online banking;

The second card: the bank card used for transfer, which can open online banking, but can keep the deposit below 1000 yuan at ordinary times;

The third card: If you use Alipay for shopping, you can open this card to bind Alipay, and you can usually leave about 2,000 yuan on it for small shopping, which is more convenient.

Let me talk about the usage of these three cards first:

1. If necessary, bank cards with large deposits (those without online banking) will transfer some money to the transfer card at the counter, and use as much as possible;

2. Then use a special transfer card to transfer money to others (never to strangers) or transfer money to the bank card bound to Alipay. Be sure to remember how much to use, safety first;

3. Alipay needs money and can be recharged with the bank card bound by Alipay;

4. Usually don't deposit too much money in the bank card bound by the transfer card and Alipay to prevent the bank card from being stolen.

Deposit management

1. Just start saving 2 months' salary, and save the rest of the money regularly (usually for one year) except for necessary expenses;

In this way, there will be six certificates of deposit within one year (for example, every two months), and then one certificate of deposit will be deposited every month in the next year. If this cycle goes on, there will be money due every month and money in balance every month. If there is no urgent need, you can continue to save with interest;

3, just cycle, there is money due every month, not afraid of something urgent. You can also save a lot of money.

Matters needing attention

Remember not to transfer money to strangers easily. The persuasion of the bank staff can be described as well-intentioned.