First, loans from online lending channels such as loans are included in credit information. There is still a difference between online loans and ordinary commercial loans. If you have to do this, a better way is to have several credit cards with a large overdraft limit.

Second, it is not impossible to put all savings on investment and financial management, but it is not suitable for most ordinary people. It is equivalent to putting all your net worth on investment and financial management. If you have enough investment experience and investment ability, naturally there is no problem. But most people who can ask this question don't have much in-depth research on investment and financial management. Without enough experience and ability, investing in financial management is tantamount to gambling.

Third, from the perspective of income, the average annualized investment and financial management may be 10%, 20% or even more, but please note that this is average. In other words, some years are high and some years are low. Coupled with being a novice investor, it is common to be driven by greed and fear. The expectation of investment income must not be too optimistic. The annual interest of online loans is about 13%, and it is likely to be the income from investment and wealth management, which is not as high as the interest of online loans. I have only been engaged in online lending for a long time.

Therefore, this is not recommended. There will be problems. Fortunately, it will be met as soon as possible and stop loss as soon as possible. Unfortunately, there may be a high return at first, and then it will get deeper and deeper.

It is suggested that at most 50% of the deposit be invested in financial management. Will there be any problems? Will there be any problem if all the savings are invested in investment and financial management? On this issue, I think from your point of view, you may be a conservative person, so it is not recommended to invest in financial management.

Aggressive people don't ask.

People who like to make progress will not come up and ask how to manage their money. They have arranged it according to their own wishes. And you choose to ask, which means you are still conservative. As for when you say it's urgent, go and borrow a loan. This is absolutely impossible, because you calculate that the interest on the loan must be higher than the income from your financial management. If the wealth management income is higher than the loan. Then what else can we use to manage our money? We can borrow money directly from borrowers and then buy financial products. Is it bad to earn some interest difference?

My advice

In view of your situation, I suggest spending up to 50% on financial management and more on regular financial management products. In this way, no matter how the market fluctuates, the income of your regular wealth management products is relatively stable. All the above are put on a treasure's financial platform. If you deposit it in the bank regularly, the interest will be lower, but it will be safer. It depends on your choice. In a certain treasure's regular wealth management products, it is already a more radical choice.

Final summary:

If you don't know what is the right financial product for you, I suggest reading more financial books, learning more financial knowledge, constantly summing up and exploring, and finding the right financial method for you. Other people's advice is always just advice. How to choose depends on your own decision and choice.

Is there a problem? It depends on what financial products you invest in. Different financial products have different risk levels.

In fact, the core of your question is how to allocate investment funds. I suggest you refer to this picture.

Standard & Poor's Quadrant Chart of Family Finance.

What I am talking about here is reference, not simple and rude imitation. After all, China's financial market is different from ours.

Risk rating of wealth management products If all the money is bought into bank time deposits or money funds, then there is no problem in basic listing.

But if you invest all your money in risky products, such as stocks and futures, there may be problems if you are not professional enough.

Don't you know how high the interest on borrowing money is? Think of it as working capital? It's one tenth of a day. If the annual interest rate is converted, the interest rate is about 18%. I suggest you not do it.

If you want liquidity, you can put some money in the money fund and take it out at any time, and you haven't wanted to borrow the same interest, so why not?

The above is the viewpoint of Hongdu, and I hope it will help everyone!

There must be a big problem. All the money has been invested. As you can imagine, your risk tolerance is quite low. As a rational investor, you wouldn't do that.

Don't put your eggs in the same basket. It is still risky to invest all your savings in financial management, and it is probably not reliable to borrow money for emergency.

There are many kinds of investment and financial management. For ordinary people, it is basically to buy money funds such as Yu 'ebao, deposit them in banks, buy houses, funds, stocks and so on. Different investment categories have great differences in liquidity and expected returns. For example, Yu 'ebao or bank demand can be withdrawn at any time (with good liquidity), but the income is pitifully low. The income of Yu 'ebao is only 1.5%, which can't outrun inflation at all; In the history of A-shares, the historical returns of all stock-based and partial-stock-based mixed funds can reach an annualized return of nearly 15%, as shown in the attached figure. However, it should be noted that there will be a sharp decline in some years, so choose a good fund, and then you have to endure huge fluctuations and hold it for a long time (poor liquidity), which is the price you have to pay for obtaining excess returns.

The correct approach should be rational allocation, and everyone's situation is different. The following is just a simple example, which may not be suitable for one person. Don't copy mechanically! For example, there are 654.38 million deposits, and 1-20000 can be managed in the bank of Jingdong Finance during its duration or within one month, and more than 3% of the income can be basically withdrawn at any time when needed; 65.438 million+0,000 yuan can provide insurance for the family. If accident insurance, medical insurance, critical illness insurance and life insurance are available, the earlier they are provided, the better, which can prevent major accidents from happening to families and cause serious impact. For example, if you have a serious illness or an accident, your family will suddenly lose a lot of cash flow and need a lot of expenses (no medical expenses and no salary income). Can you cope with this situation? ); 70,000-80,000 yuan is used to invest in stock funds, and it is more difficult for stocks to go deep. I suggest investing in funds managed by excellent fund managers so that professionals can do professional things. Choosing the right fund and holding the annualized return of 10- 15% for a long time is very simple, and it may be 20% or higher.

Don't put eggs in one basket.

First of all, there is no guaranteed income from financial management now.

You can refer to asset allocation.

High risk, low investment.

There is a problem, any financial management can not be fully invested, only idle funds, to ensure that it will not be used for a long time. Generally, investment and wealth management banks need to exchange time for income. Of course, funds and stocks can also make short-term profits, but they need knowledge and luck, and investment is risky, so we should control it ourselves.

However, if you put all your money into financial management and then use an emergency loan, you have to pay interest to collect credit information. Failure to repay on time not only loses money, but also has a record of dishonesty, which is not recommended.