A few tips for investment and financial management, put it away

At present, there are many ways for CMB to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you open the homepage of China Merchants Bank and click **Customer Service for further consultation.

First of all, we must be very cautious about investment, and we need to strictly assess the background and business model of the platform.

Secondly, choose the right financial channel according to your principal and risk tolerance. Generally speaking, **, **, P2P are suitable for the general public's financial management methods, the minimum investment amount is low, but the first two have high requirements for professional knowledge, in the current context of the whole market, it is obviously not suitable for small white investment. The remaining P2P, although there have been negative rumors, but the entire industry is constantly evolving, the business model is reasonable, and it has also been included in the jurisdiction of the CBIRC, and the future prospects are certainly bright.

It is still recommended for ordinary users without professional background to invest in P2P, of course, they should be very cautious in choosing the platform, P2P still has too many platforms and needs to survive the fittest. Generally speaking, the P2P of consumer financial assets is relatively safe, because personal consumption loans are naturally scattered in small amounts.

Have a clear financial plan and achieve your goals through financial management.

There is no skill in deception, and it is completely up to you to analyze, but you can take a look at Pencil Xiaoxin's, which is currently the easiest and most profitable one on the Internet.

It is recommended to invest**, **regular fixed investment has similar characteristics of long-term savings, which can accumulate a lot, evenly share the investment cost, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

**Originally, it was the best choice for long-term gains. If it is a regular investment method, it can also smooth out the loss of income caused by short-term fluctuations, since it is the pursuit of long-term returns, you can choose the variety with the highest target return, index**. The index originally selected the target, the blue chip stocks and high-quality stocks in the industry with model representative significance, and avoided the risk of ** because it has a certain number of models.

And the impact of economic cycles on individual industries is avoided. Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is advisable to choose products from high-quality ** companies. For example, ChinaAMC, E Fund, Southern, etc., it is recommended to use the CSI 300 and small-cap indexes. You can open an account through the company, let the professional investment manager serve you, and some index varieties are free of handling fees through the company, which reduces your investment costs.

There is not much money, there is no need to disperse the regular investment, use time compound interest to make money for you, and concentrate on one or two **. **Regular investment should choose the back-end fee model, and the dividend method can be reinvested.

I can give you a starter plan to understand!!

1.Most importantly, you have to know that money is hard to make and hard to eat;

2.Every penny you earn is the realization of your knowledge of the world, and every penny you lose is because of a flawed understanding of the world. It's hard to make more money than you know, except by luck.

However, the money earned by luck often ends up being lost by strength, which is an inevitability.

3.The best time to plant a tree was 10 years ago, followed by now, and the same goes for investment.

3.Life is like a snowball, and the most important thing is to find very wet snow and a long slope. This sentence translates to financial management as a snowball, and the most important thing is to discover value investing, money compounding, and time compounding.

4.Invest in this matter, don't expect yourself to be right every time, if you make a mistake, the sooner you stop the loss, the better. Accumulate small mistakes, often review, set stop loss, stop loss is very important, including capital cost and time cost. Stalls.

5.If you don't understand this thing, don't do it.

6.All your investment styles can adapt to your personality and pace of life. Anything that is not sustainable is not worth admiring.

7.Investing in a company is about investing in a company, embrace growth stocks, spend enough time, be a friend of the best company, and if you don't want to own one for ten years, then don't think about owning it for ten minutes.

8.** crashes are usually preceded by skyrockets, which end in crashes and are repeated over and over again.

9.Don't go to crowded places, the more consistent it is, the more dangerous it is.

10.The most ridiculous thing in the market is the amount of money that is invested and managed. The scariest thing on the market, the way to manage investment-grade funds.

By investing regularly in indices**, an amateur investor who doesn't know anything can often outperform most professional investors.

For the vast majority of small and medium-sized investors who do not have time to conduct sufficient research, low-cost index-based common investment may be the best choice for them to invest.

11.Assets are things that can put money in your pocket, such as bank savings, bonds, notes, intellectual property, investment real estate, etc.

Debt is something that takes money out of your pocket, such as a house you live in, a car you use for your own use, a mortgage or consumer loan, a credit card, etc.

How much wealth you can accumulate in life does not depend on how much money you can make, but on how you invest and manage your finances.