There are many ways to manage money. When everyone is managing money, it is most important to choose what suits them. Don't blindly follow the trend to buy financial management, because everyone's needs are different, risks are different, the amount of money bought is different, and so on. There will be a gap, but as a whole, we can consider financial management from the following three aspects: first, we must judge what type of investor we belong to, and then choose the one that suits us:
1, conservative investor financing method
If you are a conservative investor and can't afford any losses, you can invest your money in two parts, such as buying a money fund or a pure debt fund.
Take the Monetary Fund as an example. Suppose an investor buys a money fund of 30,000 yuan, and the expected annualized rate of return is 2%, then the money earned is: 30,000 * 2% = 600 yuan. If the principal is to buy a monetary fund of 50,000 yuan and the annualized rate of return is 2%, then the money earned is: 50,000 * 2% = 1 1,000 yuan.
2. Steady investor financial management methods
If you are a steady investor and can accept certain losses, then you can choose a good wealth management product, with an expected annualized income of around 5%, and the general risk is low or high.
If the principal is to buy 50,000 wealth management products and the expected annualized rate of return is 5%, then the money earned is: 50,000 * 5% = 2,500 yuan.
Financial management does not guarantee the principal and interest, so investors should be clear about its risks before investing, and look at the detailed rules of financial products in detail, and then consider them from all aspects according to their own risk tolerance.
In addition, when choosing wealth management products, you need to look at the past income and try to choose the one with good past income. Although the past income does not represent the future, it will still have a certain reference function. Secondly, it will be more secure to choose well-known ones when choosing.
3. Aggressive investor financial management law
If you are a radical investor, you are very interested in funds or stocks and have a certain understanding, then you can choose fund financing or stock investment with higher risks and higher returns, because such risks are relatively large and it is impossible to estimate the rate of return.
It is worth noting that stock funds and stocks are high-risk and high-return investments, so financial management must be cautious. Generally speaking, the risk of equity funds is lower than that of stocks. Take stock funds as an example. When buying, the risk can be spread by fixed investment of funds.
You need to choose the right time for the fund to vote. If the market rises very high, the fund price is also very high, and you are not optimistic about the following market. It is suggested that there are two options: first, you can consider stopping investing for one or two months, or reducing your investment appropriately.