1. Low-risk products with low returns.

For example, bank time deposits, Yu'e Bao, Wealth Management, etc., the current income is about 2%, and the interest on 100,000 principal is about 2,000.

2. Medium and high-risk products such as funds. There are thousands of funds on the market, divided into stock types, hybrid types, bond types, index types, etc., with varying returns.

Stock type and hybrid type have higher risks and relatively higher returns.

Those with high returns in the past year have even reached a 150% rate of return, while those with low returns are still losing money.

If you are a novice, you can invest in some index-type fixed investments. Long-term fixed investment holdings will yield much higher returns than investing in banks, Yu'e Bao, etc. You can compare with investing in one year.

3. High-risk product stocks, high risk.

It can take you to heaven, but it can also take you to the abyss.

How to put it this way, those with high income can achieve a social class jump, 200,000 to 200,000, 10 times the income, and say goodbye to house slaves.

It can also be like this, 20w becomes 2000.

: Financial management refers to the management of finances (property and debts) with the purpose of maintaining and increasing financial value.

Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management.

Human survival, life and other activities are inseparable from material foundation and are closely related to financial management.

"Financial management" is often used together with "investment and financial management" because "financial management" has "investment" and "investment" has "financial management".

The so-called financial management is not just about investing your finances. Being invested is also a kind of financial management. If you don't know how to be invested, you won't know how to manage money better.

For the working class, the income of around 4,000 is not very high, so they need to learn how to manage their finances better to avoid the situation of "money earners". So how do working class people manage their finances?

Fixed investment financial products have a certain effect of depositing and withdrawing money in lump sums, but bank interest rates are generally relatively low, so on the whole, this method still cannot bring about wealth appreciation.

However, if you can buy financial products, you can get higher interest rates and be exempted from paying income tax.

This is not a good approach.

Since bond funds began to implement T+1, the safety factor of bond funds is basically the same as that of currency funds, but bond financial products have higher interest rates, and bond financial management is more suitable for working-class financial management.

Don’t put all your funds in one basket when depositing money regularly. Although the interest rate on deposits is relatively low, depositing money regularly is the safest way. Depositing part of the money in the bank is also a good choice. It is best to

The deadline is half a year, so that on the one hand, it can be used for emergencies, and on the other hand, it can avoid missing good investment and financial management opportunities.

Monetary funds Monetary funds are mainly used to disperse some of your own money, but it is easier to deposit it in a bank and can be used at any time, so this part is a good choice for the working class.

For those who don’t understand, it is best not to buy stock fund stocks casually, because stocks must have a large amount of financial support. The domestic stock market is no longer the bull market of the past, and there are many unstable factors, so it is recommended to think about it.

For those who speculate in stocks, it is best to buy stock funds to ensure that you will not lose money and the income will be very considerable.

Use a credit card to pay for part of your daily expenses. Since credit cards are interest-free for 50 days, you can use credit cards to ensure that your financial plan will not be disrupted and that you can manage your finances better.