Financial management methods can be roughly divided into small-amount financial management and large-amount financial management according to the amount of funds required for investment.

So what is microfinance?

What are the common types of small financial management?

Let Xicaijun analyze it for everyone: What is small-amount financial management?

Small-amount financial management refers to a financial management method that invests in smaller amounts. Generally, the funds for small-amount financial management range from a few hundred to several thousand yuan.

Compared with large-amount financial management, small-amount financial management has less investment funds, lower risks, and lower investment thresholds, but the rate of return is generally lower.

Suitable for the crowd: Generally speaking, small-amount financial management is more suitable for those who are new to financial management or some investors with less funds, such as college students and salary earners, etc. The same thing for these groups of people is the amount of funds stored.

Smaller, or those with lower risk tolerance generally have less idle money in their hands.

Especially for novice investors, small-amount financial management is a very recommended way of financial management. Novice financial management should pay more attention to the risks of investment rather than returns. Small-amount financial management can well help novice investors establish an initial

investment confidence.

What are the common types of small financial management?

Small-amount financial products are financial products with small investment funds. Generally speaking, the investment threshold is relatively low. They mainly include the following categories: 1. Demand deposits and time deposits. Bank demand deposits only need one yuan to deposit, and time deposits

The minimum deposit amount is 50 yuan, and the investment threshold is relatively low.

Banks are formal platforms, so investment security is relatively high.

However, the income is generally related to the transaction amount and investment period. If the transaction amount is small and the period is short, the income is generally not high.

2. Monetary funds. Common currency fund investment tools include Yu’ebao and Lingqiantong. They are all connected to monetary funds. They are highly flexible and can be deposited and withdrawn at any time. The threshold is also relatively low. You can deposit as little as 0.01 yuan, and

It can also be used directly for payment and consumption.

3. National debt National debt is a bond issued based on national credit. It has basically zero risk, relatively stable income, and a low threshold, starting with a minimum of 100 yuan.

4. Treasury bond reverse repurchase. Treasury bond reverse repurchase is essentially a short-term loan. Individuals lend their own funds through the treasury bond repurchase market and obtain fixed interest income. The principal and interest will be paid back upon maturity. The term is short, and the minimum purchase price is 1,000 yuan.

5. Fund fixed investment Fund fixed investment generally does not clearly stipulate the investment amount, so small amounts of funds can also be traded, which can be one hundred or several hundred, or one thousand or several thousand yuan, etc.

Investors can choose to have funds automatically deducted at a fixed time to purchase funds.