Ask for financial experience How can I manage my money without financial experience?

1.Living working capital: Take out 3 months of net salary income and deposit it in a current deposit in the bank in case of emergency.

2.If you want to achieve 8 to 100,000 yuan of assets in 2 years, according to the principle of time value of money, assuming that only the initial 20,000 yuan is used for a 2-year investment, then you need a financial product with a yield of 100% to achieve your goal, and there is no such financial product in reality. Nor is it recommended for you**.

So you need to invest a portion of your income every month or year.

3.You are a salaryman with a stable income, a certain risk tolerance, and the ideal is to invest regularly. You can consider the regular investment index**, which is characterized by keeping up with the changes of the market index, because the current index has a lot of room to rise, and long-term investment can diversify the risk or obtain average returns.

4.You can also take out 1 to 20,000 **, which can be done**. The above is a personal opinion only.

In addition to some obligatory expenses, you can leave a little unexpected expenses, and the rest can be used for regular investment**, which is higher than savings. Agree with the like.

Take 300 yuan to make a fixed investment**, and then find a way to make money.

。Well, you can invest in **** regular investment, according to the standard investment of 100 per month. In life, you can use more** and online shopping, which can reduce the cost of living. Try to buy vegetables in the vegetable market, cook and eat by yourself, it will be cheaper after work, and discuss it with the stall owner**.

It's good that you have the idea of managing money, but you can't afford any financial products with this little income, and what you need to do now is to accumulate wealth quickly, and you can set up a stall and sell small things at a very high profit, which will help you accumulate wealth quickly.

Friends who are familiar with meow know that meow has been learning financial management for more than a year. I started to learn from Yuan's long-term investment financial management training camp, and then took two stages of insurance, ** and **, and I also read many books on financial management.

At the beginning, I made great progress, especially from the moonlight clan to the first time I had a balance, and when the price of the ** I bought increased for the first time, for several days in a row, I was immersed in the excitement of "I got rich".

However, as time went on, I found myself slowly starting to get stuck in a bottleneck.

First, I found that "no matter how good the strategy is, it can't outpace the general trend".。As Liang Ning said in "30 Lectures on Product Thinking", "You are desperately running up, but you are choosing an economy that is declining, and the speed of individual efforts is far less than the speed of economic sinking." Like the guy who worked hard at the newspaper but the newspaper still went out of business, didn't he work hard enough?

From 3500 to 2500, how many will escape the doom?

These two problems are difficult for me to solve on my own.

I had to jump out of the financial circle that I grew up in like me, and go out into the bigger world.

I buy financial products on mobile banking, generally one month, three months, half a year, and one year, and the minimum purchase amount of each product is not the same, depending on your own situation. Although the interest rate is not very high, it is much higher than the current account of the deposit bank, and it is also a stable type, which is convenient.

It is better to put it in the bank, and the interest rate will be higher for a five-year fixed deposit.

If you don't have financial experience, I think you should keep your money in the bank and start learning money on your own, or you can hire a financial planner to help you manage your finances.

If you want to manage your money better, you can first prepare a notebook to write down all your expenses and income, and write down the amount of money you want to buy and save.

No one will ever come to the meeting, even children know that the pocket money given by their parents will sometimes be saved, as long as you can make money, you will save the money that you can't spend, accumulate a lot, form a habit, count more money, buy some ** or others, slowly explore in it, and go to the bank to learn more about relevant financial knowledge.

If you have no financial management experience and want to manage your finances, you can hand it over to the bank or to a third-party institution.

If you want to manage money, but you are helpless and have no financial experience, you can go to the bank and ask a little about financial management, and they will patiently tell you some things about financial management.

Be rational in managing your finances. The comparisons are all real gold**. Just be careful.

The first choice is the bank's wealth management products, or you can ask a friend.

First of all, buy a handbook and write down every money you spend to give yourself an impression.

People who have no financial experience should find some people with financial experience to ask about the method, or find a financial institution to manage their finances.

This question is still very common, in fact, whether you have financial management or not, it is very important to have this financial management concept. No matter how much money you make, you should manage your money, and the more you have no money, the more you should manage your finances. How should beginners choose financial products?

Let's take a brief look: regular investment** is known as "lazy artifact financial management", which refers to the fixed time, with a fixed amount, the project is invested in the designated open **, and the bank's fractional deposit and withdrawal is more like a cautious grasp. It can add up to the operating costs and reduce the overall risk.

The investment threshold of the regular investment ** project is low, generally starting from 100 yuan, and the total amount of regular investment ** is more common. It is suitable for novices who are not easy to manage money, no need to worry about choosing the time to invest, no matter how the market trend fluctuates, the fixed one-day budget fixed investment per month will be automatically deducted by the bank, and the number of subscriptions that can be bought can be purchased automatically according to today's **net value. Regular investment** only needs to pick the right one, and the actual operation is appropriate, and the average annual return can reach 20% to 30%.

Savings is the best financial management, I believe that many people will come forward to argue, why savings is the best financial management, low profits, can not beat inflation, except for the safety guarantee, there is nothing to do. But for a person who doesn't know how to manage money at all, making him buy all financial products basically represents risk. From the perspective of liquidity, there are few financial products that are better than deposits, and deposits can be converted at any time, although it is harmful to profits, but it overcomes the problem of capital liquidity.

Secondly, in terms of safety performance, there is no doubt that deposits have obvious advantages over other project investments.

In the end, judging from the rate of return that has been criticized by filial piety, although deposits cannot grab the front end, compared with the loss of many investments, they can also be squeezed into the middle and upper reaches. If the credit limit is relatively large and there is no need for medium and long-term deposits, you can choose a large deposit, which will also have a return of around 4%. For a person who does not have a level of risk analysis, an overall financial plan, and a foundation of financial knowledge, safe savings must be the best choice for financial management.

Preferably, it should be a financial institution wealth management product. Wealth management products of financial institutions are generally sold for a period of one month, two months, three months, half a year, and one year, and are actually sold on a daily basis. The annualized return of financial institutions' wealth management products is generally in the middle of 4% to 5%, and the profit is slightly lower, but the security performance is higher than that of other service platforms, and it belongs to low-risk and high-yield wealth management products, especially to ensure profitability, and the expected rate of return is more than 4%, but it can ensure profitability.

Successful investing requires asset allocation.

Its core lies in improving the return-risk ratio of the portfolio through diversification and diversification.

The same is true for investment, a reasonable combination of assets can greatly improve the winning rate and cost performance of investment. Of course, the investment mindset is also important. Time is the best friend of investing.

A good portfolio + long-term patience can reap the desired returns.

Nowadays, financial management has become a habit for people, no matter how much money they have, they may invest some money, so how can it be regarded as the right way to manage money?

Tools Raw material learning and improvement methods Step 1 First of all, we should learn more, and the knowledge of financial management should be learned more, otherwise, it may hinder judgment.

3Third, financial management is a calm behavior, which requires patience and thinking, and not to be confused by some superficial things.

4. Fourth, when investing, try to be as stable as possible, not necessarily too conservative, but be sure to keep the principal.

5 Fifth, if we encounter some problems in our financial management methods, we must make a calm judgment and make the right changes.

In fact, if you don't have much contact with this, it's inevitable to know less, and there is nothing illiterate, you are too humble.

First of all, you need to be clear about the purpose of your financial management, the general direction is to make money, but what money to make, how long, and how much the target income is must be refined in order to find the right and appropriate way.

Secondly, you must know your ability to bear If you are a very cautious person, then ** and the like are not suitable, so you must understand your investment preferences. High returns will be high risks, on the contrary, high risks may not be high returns.

Finally, all kinds of products or investment knowledge are slowly accumulated, don't worry, you can't become fat in one breath, there are many magazines, such as Yicai, etc., ** Silver rate network, etc., are relatively good You can understand a little professional knowledge.

This is mainly the individual's demand planning, such as the size of the capital, the expected return, the degree of loss that can be tolerated, and the closure period that can be tolerated.

Financial management experience can be described in a simple way according to how you usually manage money, and let's take a look at what other people's financial experience is.

Money to be used in the short term: For example, next month's rent, utilities, repayment and credit card money, or some emergency funds. This part, I usually put it in the current account, such as putting Yue Bao, or buying other currencies**.

Half a year - a few years of money that may be used in the cover: this part of the money, I will choose to buy some regular financial products, or invest in bonds**, the income is relatively stable. Take it out again after half a year or when you need it after expiration. If you don't need it, let it continue to grow in value.

Money that is not used for a long time: This amount of money is to prepare for your future pension, and you will invest 200-400 yuan per month. This amount of money was invested in the index ** with higher returns and higher risks.

After I put this part of the money in, I will treat it as if it was lost, and I no longer plan to take it out.

Reasonable use of the interest-free period of the credit card, raise one or two large credit cards: usually participate in more credit card activities, save a lot in a year, when you need a credit card loan, you can also rely on good personal credit overdraft to a relatively large amount. At the critical moment, credit cards solve the urgent need.

Don't look down on small money: accumulate a lot, wealth accumulation is such a process, everyone knows that the sand into a tower, but few people can do it, starting from the humble fixed deposit, save 500 yuan a month I believe everyone can do it, 6000 a year, 10 years is 60,000, 10 years is also a flick of the fingers, not to mention, your wealth will grow, may be less than five years already deposited 100,000.

20% Guarantee + 10% Reserve + 40% Daily Expenses + 30% Investment.

The upstairs is obviously an advertisement, pulling you to open an account in a certain company to speculate, and he earns commissions and commissions from it.