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What are the six investment and financial management tools available for personal financial management?
1, the demand deposit has the lowest income, and the longer the fixed term, the higher the relative rate of return. This method is still used by many people at present, but the income is really too low for anyone to mention.

2. Many novices have no concept of money fund, but when it comes to Yu 'ebao, many people will try it. Yu 'ebao is actually a kind of money fund. Of course, there are many money funds in the market to choose from, and the current annualized rate of return is above 4 points.

3. Investing in bonds has relatively small risk and stable income, which is suitable for medium-term investment and is also suitable for supplementing and adjusting personal future liquidity or emergency reserves.

4. Choose some high-quality blue-chip stocks or corresponding index funds, buy a certain amount in the specified interval, and stick to it for a long time, so you should be able to get objective income. In addition, you can also add your own operations to the fixed investment strategy, such as buying more when the index plummets. In addition, we must adhere to the strategy of long-term investment.

5. People have long-term worries (pension, children's education) and recent worries (accidents, diseases), and the best way to deal with these is to buy insurance; Insurance investment, "fit" is the most important, which can not only effectively protect, but also get some income, and at the same time, it will not add too much burden to itself, which is the most important scheme.

6, take out a small amount of spare money, we must pay attention to it, have some experience and tempering in stock or equity investment, which may lead to losses, but it will be very helpful for you to understand the investment and establish a suitable investment logic.