01 User portrait of Dongdong, a newly graduated career novice: Dongdong is a 23-year-old single with a monthly salary of 3K and has been working for half a year. Although he saves rent, water and electricity by living at home, he has basically no savings for half a year because he lives on a monthly basis.
Tips on financial management: Dongdong students, start keeping accounts as soon as possible, and then stick to it for a month to see where the biggest expenses go. Is it shopping? Entertainment? Or non-essential expenses or impulse consumption such as dining, and strive to fix it every month.
Save 500 yuan. Now the online loan platform has monthly fixed investment products specifically for salary earners (such as Renrendai’s salary plan, Wacai-Monthly Salary Bao, etc.). In addition to accumulating a principal of 6,000 yuan in one year, there are also other
If you can get a few hundred yuan in interest, this money can be used as the first bucket of financial management funds for investment. Later, you can gradually add fixed investment funds and other financial management methods (for beginners, just choose an index fund).
Why not suggest 500 yuan per month as a fixed investment in the fund from the beginning? First of all, fixed investment in the fund requires long-term fixed investment, at least more than 3 years, and he is a moonlighter with no savings and needs a liquid fund.
To meet your own unexpected needs, and then consider investing in value-added investments.
02 User portrait of Xiaoxi who is preparing to get married: Xiaoxi is 28 years old, with a monthly salary of 8K, and a deposit of about 100,000 yuan, which is basically deposited in the bank. She is planning to marry her daughter in the second half of the year. She has already started preparing for marriage-related matters.
Financial advice: Xiao Xi has plans to get married. She will spend money in the second half of the year, but she really can’t beat the CPI by putting all her savings in the bank. You can choose: 1. Withdraw 1/2 and put it in a safe place.
Use Spectrum’s online lending platform, and then diversify your investment in short- and medium-term projects from 3 to 6 months (average return is 8%-10%) to facilitate the flow of funds after 3 months.
2. 1/4 of the funds are placed in current financial products (the income can reach 5+%-8+%), which can be quickly redeemed within T+1 and used as an emergency fund pool.
3. The remaining 1/4 of the deposit will continue to be placed in the bank to be used for various consumer expenses such as preparations for the wedding.
In this way, you can not only meet the expenses in this special stage of life, but also get a few thousand yuan in income, which is equivalent to earning an extra small appliance! By the way, you can also start to consider buying a couple after you get married.
Commercial insurance can put a lock on the wealth door of newlywed families.
03 User portrait of middle-level manager Lao Zhang: Lao Zhang is 34 years old this year. He is a middle-level manager of a company. His salary is relatively stable, with a monthly salary of 15K, and he needs to repay a 5K monthly mortgage. However, he has no concept of financial management and most of his previous savings.
They all used it to speculate in the stock market and lost very little. I only have a wife, a house and a car who is also a salaryman.
Financial management tips: Allocate a certain proportion to buy bonds, financial insurance, etc. with relatively safe and stable returns. The other part can be used for fixed investment index funds and hybrid funds, and the remaining small part can be used for high-risk stock investments.
At the same time, since Dazhang still needs to repay his mortgage, it is best to first arrange critical illness insurance and life insurance for himself, and then buy insurance for his wife.
From the financial management stories of these three salarymen, it is not difficult to see that the so-called "one trick to conquer the world" financial management secrets does not actually exist. We all say that managing finances is managing life, and everyone's situation has its own special part.
, therefore, only by comprehensive consideration of your actual income and expenditure, life needs, financial management goals, etc. can you gradually discover a small financial management path that suits you.