1. First of all, it must be clear that the funds for financial management are not your own living expenses. In other words, wealth management funds do not need to be used in the short term, and belong to their own deposits and balances.
2. The purpose of financial management is to preserve and increase the value of assets, at least to fight inflation. Therefore, financial management should be based on stability, and we should not unilaterally pursue excessive returns.
3. Personal financial habits are to implement the weight of financial assets according to 1: 2: 3: 4, and avoid putting eggs in one basket, which can reduce risks and increase income.
4. Use 40% of wealth management funds for time deposits. You can choose a bank with a higher deposit interest rate to make a time deposit. The risk is small, and the income is higher than the current period, mainly because of safety.
5. Use 30% of wealth management funds for wealth management funds. The risk of wealth management funds is higher than that of bank deposits, and the risk is relatively small, and there is basically no loss of principal.
6. Use 20% of wealth management funds for medium and high-risk funds or bonds. This kind of risk is higher than the above two kinds, and the income is also higher than the above two kinds, and the principal may be lost.
7. Use 10% of wealth management funds for stocks. Stock has the highest risk and great volatility, but the return is also considerable.
Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
Financial management, as its name implies, refers to financial management. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
Financial management is a lifetime wealth, not just to solve the problem of urgent need for money.
2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money.
③ Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).