How to invest and manage P2P online financial investment personal skills sharing

Asset allocation planning can be done, that is, eggs are not put in one basket, asset allocation is to diversify risks, and reasonable distribution of returns can be maximized

1. Cash account, accounting for 10%, is mainly used for daily living expenses. 6-12 months, why 6-12 months, not 6-12 years, or even longer? Because it will depreciate over time, it can't resist inflation, and if you retire after 30 years, if you put the retirement money in a current account, retirement means that the money greatly reduces its purchase rate.

Channels: Credit Cards, Small Savings Currency**.

2. Learn financial investment knowledge by yourself, with low risk, good returns, and stable returns.

Third, the investment account, accounting for 30%, the account that makes money with money, control the risk, the product with different return cycles, fourth, try not to touch high-risk products, investment is risky, spread to different baskets, the risk can be diversified.

Rational financial investment requires long-term, scientific and reasonable allocation.

Personally, I think that if you really want to choose a platform according to the ranking of financial management companies, the top 200 can be considered. There are still more than 2,000 platforms in the country, and 1 10 is considered a safer platform to pick out 1 10 from the screening probability. Personally, I will consider three dimensions from this, one is that you can choose the top 10 platforms, which are relatively bullish in terms of strength, and the low income can at least protect the capital.

The second is to choose a platform with higher income but mortgage loans, and the repayment is guaranteed, such as enterprise loans. The third is to choose a platform with more short-term projects, and the funds can come out when they are urgently needed. Anyway, it's your own money, so you have to put more thought into it.

There are many people who work all day long but feel that life is becoming more and more stressful, and they are never able to get out of poverty, they are called "poor busy people", they often say that they have no time to manage money or do not know how to manage money. With the development of online investment and financial management, online financial management has been recognized and used by more and more people. For friends who want to say goodbye to the poor and busy people and want to manage money, how can we invest and manage money online?

What investment and financial knowledge do you need to master in daily financial planning?

2. Refine your own financial tasks. In the case of good allocation of funds, subdivide each financial task, such as children's education, tourism, etc. Some financial tips you must master if you want to do a good job in online banking.

3. Do a good job in financial planning for future major goals, the time is not too long, combined with reality, 3-5 years. For example, having a child, buying a car, buying a house, etc.

4. Determine the return on investment to be achieved. According to the characteristics of your own project, the initial investment amount to calculate your expected rate of return, the so-called high expected annualized expected return is accompanied by high risk, if you want to expand the expected annualized expected return, do you want to increase the investment capital?

5. Choose the appropriate investment project portfolio according to your own characteristics, and always observe and pay attention to the changes of the project in the process of investment.

The above are some tips on how to do online investment and financial management, I hope it can be helpful to you. A word of advice to friends who invest in financial management, the market is risky, and investment needs to be cautious.

Answer]: 1. Young office workers.

Young office workers are very aware of the Internet and are the most receptive to this novel way of managing money. In addition, P2P financial management is not like **, you need to stare at it all day, it is a very simple way to manage money, and financial management is worry-free.

2. Retired middle-aged and elderly people.

For some of these people, they are retired at home, they have a lot of idle time and have a certain amount of savings. P2P online lending is not only a representative of high income and fiber burial benefits, as long as the platform is found, its risk is also completely controllable, so that middle-aged and elderly people can earn income safely and steadily.

3. Be a housewife.

Housewives have financial power and plenty of leisure time in the family, and need to plan the family's finances in their daily lives. Taking the P2P investment model of Xin Tianxia Wealth as an example, the minimum investment is 50 yuan, and the annualized rate of assets is between 12% and 15%, which is higher than the advantages of traditional financial management in terms of liquidity, income and threshold.

4. Individual businesses.

This kind of people usually have capital flow in their daily business, and the cycle of P2P financial management is relatively short, the use of funds is very flexible, and the funds can be quickly returned.

1. Savings is the most basic step in financial management, saving is the most basic way of financial management, even if you don't know how to do a good job in financial management, you will also deposit money in the bank and enjoy the interest on deposits. Without saving, it is almost impossible to accumulate money and invest more broadly. Therefore, without the first step of saving, there is no way to talk about financial investment.

If investors struggle to have a balance every month, or are often "moonshine" people, they can combine a variety of methods, such as bookkeeping, budgeting, etc., and use the formula of "expenditure = income - savings" to save a sum of money every month and accumulate a lot. Over time, the role of savings comes into play, and with enough money to accumulate, you can start investing more abundantly.

2. Spend money in valuable places, saving is basic, but it is not enough to save the money you earn, you also have to learn how to spend money. Some people may say, isn't it just spending money, who doesn't know how to use it, just buy something, and the money will be gone. In fact, the money here refers to spending money in valuable places, and if you spend it at will, you will become a "moonshine" family.

3. The investment requirements are stable, a little restless, and the financial management that people know generally refers to buying **, P2P ......These all fall under the umbrella of investment. Learning to invest can achieve "money makes money" and can also make you financially free faster.

4. Know how to share, explore investment opportunities, on the road of financial management, it is easy for a person to do financial management and not persevere, because some aspects of financial management are relatively boring, such as bookkeeping, many people are not remembered for a few days, and they feel bored. At this time, if there are like-minded friends to communicate with you, or find a channel to share your experience, it will have a different effect. In fact, financial management is not complicated, start your financial management path as early as possible, so that you can achieve your wealth goals faster.

With the rapid development of Internet technology, many things can be done through the Internet, such as shopping, watching movies, chatting, etc. Even personal investment and financial management can also be managed through the Internet, such as playing**, P2P financial management, etc. **Most people know about it, but many people still don't know much about P2P financial management, and they don't even know whether this kind of online financial management is credible or not, and what things to pay attention to when investing in stupid P2P.

You can invest in P2P online banking. However, if you invest in P2P online finance, you need to pay attention to a few points:

1. Choose a P2P platform with certain strength.

At present, the various platforms in the P2P industry are mixed, and personal investment and financial management must choose a good P2P platform for investment. Whether the P2P platform is good or not also has a certain relationship with the strength of the band. If the P2P platform has the strength, even if the project invested by the individual becomes a bad debt, the platform has the strength to cover the bottom line, and will not let the investors bear the losses themselves.

2. Look at the risk control of the P2P platform.

When individuals invest in P2P, they are most worried about encountering bad debts, and to avoid bad debts to the greatest extent, the P2P platform is required to have a professional risk control team. Therefore, when individuals invest in P2P, they must see whether the risk control of the P2P platform is sensitive and professional.

There are many things to pay attention to when investing in P2P online financial management, in addition to whether the P2P platform has strength and whether the risk control is professional, it also depends on whether the income of the P2P platform is reasonable, and what is the non-performing rate and bad debt rate.

Now you still vote for P2P, so many ** still can't get you back? On one of the most basic questions, the platform gives you such a high rate of return (comparable to a loan), where does people's money come from?

Don't talk about the high interest income of lending, the high interest rate of the mortgage is not higher than that for you, and you must consider that there will be some difficulties in repaying the loan. And any other investment is difficult to guarantee a stable rate of return to pay for what is to be given to you, and is there really such a stable and reliable project that needs to collect your idle funds?

The P2P platform is to attract new customers by making a high rate of return, and then fill the balance of the new customers' funds to the old customers. In other words, the platform itself does not create value or invest profitably, but continues to balance expenditures with new inflows. Because of the continuous payment of interest to customers, the actual funds of the platform are decreasing, which means that more and more customer funds are actually 'disappearing' (used to pay interest and platform operating expenses).

Once the platform business is sluggish (poor sales, few new customers), or there are more old customers who want to withdraw, then the platform will have a situation where the flow of funds will be cut off, and the platform will not have enough funds to provide the embodiment and interest payment of old customers, and the platform will be on the verge of collapse. Usually at this time, many platforms choose to run away, which is the current situation of the domestic P2P industry.

This is a 'Ponzi'.

Don't invest in P2P now, it's risky!

At present, Internet financial platforms are mixed, and various platforms are doing their best to promote themselves. However, a good platform must have a good model, transparent projects, and compliant operations.

Funds must be escrowed, at present, there are some platforms in the name of the third-party payment structure, ostensibly for custody, in fact, depository (pseudo-custody), to identify whether a platform is a real third-party independent custody, generally when registering the platform, will require the registration of the custodian account, the two are independent of each other. In addition, if the platform is hosted by a third party, it can also be queried on the third party's **.

The project is transparent and the information disclosure is complete. The project information is not visible to the visitor and must be logged in to the platform that is visible to the rear. For this kind of platform that does not allow tourists to view project information, there is a high probability of getting tired.

If the project information is well disclosed, there is nothing to fear of seeing unregistered tourists. The incomplete disclosure of information and documents of the borrowing project either proves that the platform's operation and risk control level is insufficient, or proves that the platform intends to conceal the details of the borrowing project, both of which indicate that the security risks have skyrocketed.

Look at the qualifications and background of the platform, the information transparency of the platform, and whether the platform loan target project is suitable for investment and financial management.