Three Steps of Junior Xiaobai's Financial Management in 221 _ How do novices invest in funds

For people with low income, it is really not easy to save money. The key is that there is no money to save. In a certain sense, financial management Xiaobai refers to people who have capital and don't know how to invest, but those who don't have money can't even talk about financial management, so the first step is definitely to accumulate original capital. The following is a trilogy of junior small white financial management in 221 collected by Xiaobian for everyone _ How do novices invest in funds? I hope I can help you.

the three steps of junior small white financial management

1. cut down on expenses. Usually, we can use bookkeeping to simply record our daily expenses, and carefully analyze which of these consumption are impulsive and which belong to the immediate needs of family daily life. For some things that can be bought or not, we suggest not to buy as much as possible. We should control impulsive consumption, put an end to unreasonable and unnecessary consumption, and try our best to save money.

2 open source. While cutting expenditure, we should learn to open up sources and increase income as much as possible. In addition to normal wage income, you can do some sideline business appropriately to increase sideline income.

3 investment. You can invest the money you saved and the money you earned from sideline business. When investing, don't blindly follow the trend. Don't buy when you see others buying funds, and buy when you see others buying stocks. You must be familiar with and understand the products you want to buy. For novices who don't understand funds and stocks and want to invest in financial management, they can start with simple things and choose financial products with relatively stable low-risk returns, such as money funds and national debt.

how to make his first bucket of money by Xiaobai's financial management depends on himself. He should learn how to make himself appreciate and increase his income, then plan and arrange his income reasonably, make a plan for his life, buy certain sound financial management products, and of course, when his risk-taking ability is enhanced, he can also take risks in some high-income stock markets.

How do novices invest in funds

1 At first, it was suggested to invest with a small amount of money. We often say that we can't earn wealth beyond our cognition. Since you don't know much about the fund, you can't make more money on it. If you invest too much money, you will lose your wealth.

2 learning while investing in funds, the fund market is not static. With the change of time, different knowledge and experience will be produced. Therefore, in the early stage, we should focus on accumulating fund knowledge, which is the simplest and lowest-cost way to enhance cognition.

3 Experience often trumps most things. For novice investors, the experience of investment funds is the most lacking and the most difficult to obtain.

funds are only one of the targets of investment and financial management, so it is not necessary to spend all the money on funds. Be sure to understand that asset allocation, including bank wealth management, deposits, bonds, stocks, gold, etc., can be used as investment and wealth management options. Therefore, according to the financial needs and risk preferences, we should use an appropriate proportion of funds to buy funds.

How to buy a fund now

1 Buying a fund still has a good return expectation. Suppose you have a lot of spare money in your hand, but you are a person who can't invest very much, and you are very afraid of investment failure. I don't want to take any investment risks, for example, speculating in stocks takes a high risk, although the profit return is great. But I don't want to take such an investment risk, so I can consider buying a fund if I deposit my money in the bank and get too little interest.

2 the depression of the fund is only a temporary phenomenon. Every industry will have its own peak period, heyday, the most profitable period, and also its own unprofitable period and depressed period. Although the current fund is not optimistic compared with 22, and many high-level funds have seen a short-term sharp withdrawal, this status quo is only temporary and will not last forever. China's economic development is very good, and all aspects of financial development are relatively balanced, so this is reassuring.

3 You can invest in funds with less money. If you are worried that you will lose money by investing money in the fund, or you are not optimistic about the current fund. I feel that if I invest my money in it, I will feel very uneasy, so I can invest my money in other places. If you think the fund is still worth investing, you can invest less money here. It is normal for a person to think more when making an investment. Therefore, when the fund is not optimistic, it can invest less money.