At present, many financial management thresholds are relatively low. Basically, as long as you want to manage your finances, you can learn financial management knowledge and start managing your finances. Alipay has more powerful functions. In addition to payment, you can also manage money. Alipay has many wealth management products. So how to manage money with 100 yuan in Alipay? What is the financial plan? We have prepared relevant contents for your reference.

Financial plan 1: a flexible financial management method

If this 100 yuan is needed at any time, and you are more concerned about the flexibility of funds, it is best to deposit and withdraw it at any time, then you can consider Yu 'ebao financial management. Yu 'ebao can deposit and withdraw money at any time, and can also be directly used for payment and consumption, which is very convenient.

However, the wealth management income of Yu 'ebao is not high, because Yu 'ebao is docked with the money fund, and the income is relatively stable and the risk is relatively small. If the deposit amount is only 100 yuan, then the income earned in one year is relatively small, maybe only a few dollars, mainly because of better flexibility.

Financial plan 2: conservative financial management method

The risk of pure debt fund is relatively small, but the risk is greater than that of money fund, and 100 yuan can also be bought. The threshold is relatively low, and it is more likely to make money by holding it for a long time. More suitable for conservative investors, unable to bear relatively large losses, but want to pursue a little profit.

Pure debt fund is a fund that invests in bonds, and the risk is not high. When you choose, you can check a past income. When choosing, give priority to pure debt funds with good past returns. Although the past does not represent the future, it will still have certain reference significance.

Financial plan 3: radical financial management methods

If this 100 yuan is just pocket money, it is intended to be used to obtain relatively large income and can bear certain risks, then high-risk fund types such as index funds, hybrid funds and equity funds can be considered.

Generally speaking, the income of high-risk types is relatively large. Let's give a simple example: suppose you buy a stock fund of 100 yuan. If the fund increases by 40% a year, it can earn 40 yuan a year and earn more money. However, it should be noted that if the market is not good, it is also possible to lose money in 40 yuan. This is because stock funds mainly invest in the stock market, so the risk and risk are high.