1, deposit.
Deposit is a conservative financial management method, the most stable financial management method and the most basic financial management method. Although the interest rate of deposit is very low, deposit is also essential.
Deposits are divided into time deposits and demand deposits. 654.38+00,000, and a small part should be used in the deposit. Save for a rainy day. Bank deposits will be affected by inflation, so only a small part needs to be used for deposits.
2. Fund.
Fund is a convenient way to manage money, and it is not necessary to pay attention to market fluctuations at all times. A part of 1 10,000 can be used for fund management. There are several types of fund financing.
There are relatively stable funds, medium-risk funds and high-risk funds. It depends on your personal preference. Generally speaking, the interest rate of stable funds is higher than that of banks, and it is a wealth management product that hedge people prefer to buy. Which one to buy depends on whether you prefer high-risk or stable.
3、p2p。
P2p refers to financing through the Internet, that is, person-to-person financing, also known as peer-to-peer lending. It refers to connecting borrowers and borrowers through companies to meet their respective lending needs.
There should be many people who think that p2p investment is risky, but in fact, the supervision of the online loan industry is becoming more and more strict. As long as you choose some formal platforms, which are relatively reliable, you can get good returns. For example, Lezhu loan is very good, and the annual return rate of novice investment is 8%~ 14%. Decentralizing part of p2p investment is a good choice.
4. stocks.
Stock is a good way to manage money. However, stock trading still needs some skills. You need to know all kinds of indicators and analyze the market before you can buy stocks. 100 Wan Li, and you can also become a shareholder. Stocks are risky, but they also have high returns.
Stock investment must be risk-conscious and set a stop-loss point for yourself. Once the stock market falls and breaks through its own point, it is necessary to resolutely ship, bearing in mind that capital preservation is the first priority. Stock market investment can only make big money by holding shares. Trying to increase profits and make up losses by adjusting the rebound of the market itself has fallen into the trap of the main force.
? 5. Insurance
Insurance is also a good way to manage money. Many insurance companies have launched various insurance wealth management products. It is suggested that insurance wealth management products are less risky and more convenient than stocks, as long as they pay. ?
Financial management insurance in China mainly includes dividend insurance, investment-linked insurance and universal insurance. Financial management through insurance refers to the reasonable arrangement and planning of funds by purchasing insurance to prevent and avoid financial difficulties caused by diseases or disasters, and at the same time to preserve and increase the value of assets.
Insurance is a very unique financial management tool. If we make good use of insurance financial management means, it will greatly improve the effectiveness of financial management, greatly improve people's quality of life and fully protect people's economic interests.
Key points of financial management:
1, be sure to invest with spare money.
When investing, you must use idle money, and never use urgently needed money to invest, because it is easy to make wrong judgments. Finally, don't put your eggs in one basket when investing. You can consider doing some hedging, which can minimize the risk.
2. Analyze the family's economic situation.
Cash flow, buying a house and a car in the future, and parenting plans should all be considered together. The purpose of financial management is to make our family life better, so it is more important to be cautious and steady.