Short-term financial management is characterized by good liquidity, which is suitable for investors with short-term spare money or uncertain demand for future funds. So what is the concept of short-term financial management? Does short-term financial management really make money? Xi Cai Jun has also prepared relevant contents for your reference.

What is the concept of short-term financial management?

Short-term financial management refers to the financial management method with short investment period. Generally speaking, the investment period of short-term financial management does not exceed one year. There are many products suitable for short-term financial management, such as buying money funds and reverse repurchase of government bonds. Money fund is a fund that invests in short-term bank deposits, government bonds, interbank deposit certificates and other money market instruments. Money funds are generally open-end funds, and the purchase and redemption are more free. Reverse repurchase of government bonds refers to investors lending their own funds through the government bond repurchase market to obtain fixed interest income. Fluctuation of interest rate on reverse repurchase of government bonds. When funds are tight at the end of the month, you can get higher returns and the transaction is very simple.

Does short-term financial management really make money?

Short-term financial management has opportunities to make money, but short-term financial management is not guaranteed. Investors should pay attention to the following aspects when conducting short-term financial management:

1, pay attention to market dynamics. The income of wealth management products is affected by market conditions. For example, when interest rates rise, the income of bank deposits and money funds will increase, while when the stock market strengthens, the income of stocks and stock funds will increase.

2. product selection. Different financial products have different risks and benefits. Choosing the right product is the key to making money through short-term financial management. Generally speaking, investors should choose their own products according to their own capital scale, investment period, risk preference and other factors, and don't blindly follow suit. For example, if investors have less money, shorter investment period and lower risk preference, they can choose to buy money funds to obtain more stable income.