How to buy financial management with 4,000 yuan, an investment method from getting started to making money. 4,000 yuan is not much, but it can be used as the first starting capital to accumulate financial management experience and lay a solid foundation for your future wealth growth. There are a lot of financial products on the market, so how can novices get started with financial management, and how can they buy financial products to make the first pot of gold in their lives? Before doing financial planning, we must first understand our needs. Do you want to make short-term investment or long-term investment? What is the expected return from financial management, and how much risk can you bear? If you are only making short-term investments and want your money to be withdrawn at any time, you can purchase T+0 financial management products such as Yu'e Bao, Lingqiantong or bank monetary funds. The annual interest rate is usually around 3%. At present, the annualized interest rate of Yu'E Bao is only about 10%, which is very low, but it is also more cost-effective than bank current deposits. The main advantage is that deposits and withdrawals are flexible and the risk is low. Or choose monthly financial management products or semi-annual financial management products with slightly higher interest rates. There are now many low-risk financial products with annual interest rates of 3%-5%, which can be purchased on mobile banking apps, Alipay, JD Finance, etc. If you want to make money through financial management and achieve rapid wealth appreciation, you can consider trying higher-risk financial management, alternating long-term and short-term investments. The biggest attraction of financial management is compound interest: continuous and stable growth, making your wealth snowball like a snowball. 1. Renewal of convertible bonds. Convertible bonds are special corporate bonds that can be converted into company shares under certain conditions. Because the threshold for making new bonds is low, you only need 1,000 yuan to start, and you can participate in making new bonds with 4,000 yuan. Moreover, the winning rate of convertible bonds is very high, the risk is low, and the returns are good. By opening a stock account, you can subscribe for new bonds. And there is no need to prepare funds in advance, just transfer the funds after winning the lottery. When the stock market is good, you can get about 20% of the income from a new bond lottery. 2. Buy funds. Hybrid currency funds and bond funds can be used as entry-level choices for funds. High-yield funds such as index and stock funds are not suitable for short-term trading. It is recommended to be prepared for long-term holding after buying. Fund investment does not require too much professional knowledge. The overall performance of the fund industry in the past ten years is actually very good. Choosing a good fund is very important. 3. Account precious metals. All commercial banks can open precious metal business, and there are two trading currencies to choose from, RMB and US dollars. There are four precious metals that can be purchased with RMB: gold with RMB account, silver with RMB account, platinum with RMB account, and palladium with RMB account. Most of us may know a little more about gold and silver. There are only a few types of precious metals in the account, and the operation is also very simple. Account precious metals are different from physical precious metals. Physical gold cannot be withdrawn. Investors can choose to go long or short. If you expect the price of precious metals to rise in the future, you buy at a low price first, and then sell at a high price after the price of precious metals rises. This is going long. Taking gold as an example, if you buy 10 grams of gold at a price of 300 yuan per gram and sell all the positions when the gold price rises to 350 yuan, you will have invested a principal of 3,000 yuan and can get an investment income of 500 yuan. If the price of precious metals is currently at a historical high and it is expected that the price of precious metals will fall in the future, you can go short. To do short selling, you must first transfer funds to the precious metal margin account, then sell the precious metals at a high price, and then buy and close the position after the price drops. Finally, investors pursuing high returns can invest in stocks. It should be noted that the risks of both the precious metals market and the stock market are very high. You must first make sure that you have sufficient risk tolerance. It is not easy to achieve financial freedom through stock trading. You can start with low- and medium-risk financial management and then transition to medium- and high-risk financial management.