How can Xiaobai, who has just worked for a short time, manage his money reasonably? I would like to

Let me teach you about my financial management experience when I first started working. First, it is very important to divide your salary, how much money is used for living, how much money is used for consumption, and how much money is rich and can be used for financial management. The second is how to choose a wealth management platform, there are many financial platforms now, such as the simplest Yue Bao, which is convenient and trouble-free, but the rate of return is really not high.

Therefore, it is very important to choose a good financial platform. The first time I came into contact with financial management, I chose Guotai Junan, their business is complete, the service is in place, it is very suitable for financial novices, and it is the top 3 brokers, which is more reliable. Guotai Junan outlets are more convenient to handle business, Guotai Junan also has an app, don't you young people use the app now.

Third, to find their own financial products, some novice financial management, will only look at whether the annualized rate of return is high, will ignore many other details, such as the length of the cycle, the limit of the investment amount, etc., these common problems can be successfully solved if you choose a good financial management.

If you manage your finances, you can only invest some spare money, which can earn the best, and you can bear it if you run away. Correct the mentality, instead of seeing the high rate of return, invest all the money of the wife, in case there is a risk, all the losses.

1: Since you want to manage money, you must become a habit of managing it, persistence, accumulation and sensitivity are the essence of financial management.

2: Divide the income into four parts, (take the income of 6,000 yuan and the existing deposit of 50,000 yuan as an example).

They are: 1: fixed expenses (including the consumption of means of survival, the elderly, as well as telephone bills, housing loans, car loans, etc.) budget deduction of 2,000 yuan.

Two: Do not pre-bend the knowledge of expenditure.

Emotional consumption: If there is a happy event at home between colleagues, class reunions, etc., 1,000 yuan will be deducted from the budget.

Three: current savings (the remaining 1000 + emotional consumption balance + electrical consumption balance).

Four: Xiaojin holds the treasury 500 1000 (must be saved every month, not used without permission), it is best to have a fixed amount, easy to manage.

Five: The remaining 800 purchase a commercial insurance regular investment.

One or two items are expenditures, and three or four items are income. In this way, there should be no big problem in saving 500 a month. In the event of an emergency, you can use the savings in your current savings, but the fourth item should not be used lightly.

Learn the basics of financial management first.

As a financial management novice, you must be able to directly participate in financial management, but at the beginning, you must start with low-risk financial products, so that it is not easy to lose. Let's take a look at what you need to prepare.

Learn about financial management.

For financial novices, you must first start learning the knowledge of financial management. At least master the relevant knowledge of bank demand deposits, time deposits, Yue Bao and other related knowledge, bank wealth management products, and treasury bonds. After mastering these knowledge, if you are interested, you can go further, learn about corporate financial analysis, investment analysis, macroeconomics, microeconomics and other knowledge, and master these knowledge can then study the knowledge of trading, so that you can lay a good foundation for your future participation in investment.

Start investing in low-risk investment categories.

After learning a lot of theoretical knowledge, starting with low-risk financial management should start with low-risk financial management. At the beginning, you can't expect a high rate of return for financial management, and you can start to participate in the safest bank fixed deposits, Yu'e Bao, etc. Bank fixed deposits, basically the risk is very small, but generally the annual interest rate is low, generally one year annual interest rate is.

The annual interest rate of Yu'e Bao is slightly higher, and now the annual interest rate of Yu'e Bao is yuan, and the income per 10,000 shares is yuan, which is still slightly higher than that of bank fixed deposits. Yu'e Bao can be transferred out at any time, and the money that is not used can generate interest, which can be said to be a better current financial product. There are also bank wealth management products, treasury bonds, etc.

Financial literacy enriches the ability to invest**.

For ** investment, we must adhere to value investment, we must adhere to long-term investment, it is best to choose high-dividend stocks for long-term investment, which may be less risky, and in the long run, the income is still good. For example, the current four major banks have fallen below their net assets, according to the current stock price, the annual dividend rate is around, and the annual net assets can increase by about 10%, if you hold such high-dividend bank stocks for more than 10 years. The average annual rate of return is likely to be more than 10%.

To sum up, as a financial novice, you still have to learn financial knowledge first, and then start learning from low-risk financial management.