The best way to manage your money? Please advise, I am now an office worker

Bank fixed deposits and ** regular investment.

Find a way to spend as little as possible, use some spare money to buy some**, and regular investment** is more suitable.

Get two bank cards, and set a fixed part of the money each month for savings, and the other part for daily expenses.

There is no best way to manage your money, only the best way to manage your money. Choose different financial solutions according to your actual situation in order to make the most efficient use of your resources. Generally, as an office worker, I mainly use a stable financial management method, and I can't take up too much time.

For example, regular investment, fixed asset investment, etc., these are more suitable, how to choose it is recommended to carefully examine their actual situation and planning arrangements for the future, after all, financial management is not to make money, but to meet the expectations of yourself and your family for the future life, which is the most important. If you have any questions, please feel free to contact me. I am an independent financial advisor and I hope I can help you with my expertise.

Office worker: Can you tell me exactly how much you earn?

I'll give you a decision.

Now the financial products are:** foreign exchange ** ** insurance ** trust these categories, for office workers suitable for 24-hour trading financial products, such as: foreign exchange ** can be, like** ** in time for office workers are not very convenient, can not catch the good **, foreign exchange and** although they are similar, are 24-hour trading, but the only drawback is that when the market is suspended, the trend is to continue to go, if the trading direction is opposite to your**trend direction, Then you can't get out of the position, and you can only get out of the position when the market opens, so I personally think it's better to do foreign exchange investment and be more conservative.

There are many ways of personal investment and wealth management in China Merchants Bank, such as: wealth management products, fixed periods, treasury bonds, **, etc., if you use our bank card to purchase, it is recommended that you can go to our bank outlets to consult the relevant advice of the wealth manager.

Yes, in many ways, although the salary of office workers is not high, as long as they are reasonably distributed and managed, they can still maintain and increase the value of their assets.

Interested in finding me.

Ordinary office workers generally take salary income as the main economy**, so the investment risk preference of office workers is mostly conservative, and it is more suitable for low-risk, stable expected income interest methods. So how do ordinary office workers manage their money? What are the methods that are suitable for office workers to manage their finances?

I. **

The minimum investment threshold is generally low, most of the products are 10 yuan starting at the beginning, and the minimum investment amount of the portfolio products is slightly higher, but it is generally only a few hundred yuan.

**Product selection is also very large:

1. Low-risk currency**: Theoretically, currency** is not principal-protected, but from historical data, the probability of currency** losing money is almost zero. However, the expected return of the currency** is also low, and the expected expected return is around the same on average.

2. Medium and low-risk bonds**: The risk and expected return of bonds are slightly higher than that of currencies, but the probability of loss of pure debt is also very small.

3. Medium and high risk ** type ** :* * type ** mainly invests in**, so the risk is relatively high. For beginners, it is recommended to allocate currencies and bonds.

2. National debt

Songyou Yu Treasury bonds are a type of bonds issued by the state and distributed by Yinmo Sun Bank, with a very high credit rating and a principal-guaranteed wealth management product.

Individual investors generally invest in savings bonds, and office workers can choose to buy electronic savings bonds through mobile banking without having to go to bank outlets to queue up to buy them.

3. Bank smart deposits

Many rural commercial banks and private banks have smart deposit products, the security of such deposits is the same as ordinary deposits, within 500,000 yuan is guaranteed principal and interest, but the deposit interest rate is higher than that of ordinary time deposits, and the liquidity is very strong.

Fourth, new debts

Playing new bonds is to subscribe for newly issued convertible bonds, and the threshold for new bond subscription is not high, and the winning one is 1,000 yuan. New bonds are not principal protected, and if the new bonds are broken after listing, then there is a risk of losing the principal. However, on the whole, the loss margin of the new debt is small, and the probability of profit is relatively larger.