How to plan for financial planning for the post 90s generation with a monthly income of 2,500 yuan

At present, there are many ways for China Merchants Bank 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.

Nowadays, young people's incomes are generally low, and in terms of monthly income of two or three thousand, it is better to spend money or make some investments.

The issue of financial management is a very real problem, and it cannot be explained clearly in one or two sentences.

I have a simple word document here, if I want to leave an email address.

First of all, you should be clear about how much you want to spend a month. You put this part of the survival period, and the rest of the part, I suggest you buy ** first, such as currency **. Because the currency** is similar to the current account, but the income is much higher than the current account, and there is no commission for the transaction.

You have little money, and you still focus on accumulation. Wait for the accumulation to a certain amount, and buy some financial products

Alternatively, you can apply for a credit card or two, borrow money from the bank to spend first, and save your own money first. How much can help you accumulate a little wealth.

In daily life, office workers have become a huge group in China, and relevant surveys have found that many office workers have an income of less than 5,000, or just meet the standard. So how do these office workers manage their money? How to choose wealth management products?

1. Set monthly investment and financial goals

As an office worker with a monthly income of 5000, we must first consider the relationship between monthly income and expenditure, and deduct financial funds before spending according to our own conditions, so that we can effectively control our consumption on the one hand, and on the other hand, we can form good financial habits. This part of the wealth management funds should be based on stability, and 70% can be invested in stable wealth management products and 30% in expected income products.

2. Marriage and family affect the choice of wealth management products

Marriage and family are also important factors affecting financial choices, in general, married and stable family office workers choose stable financial products more appropriately, while single office workers can appropriately choose higher risk expected return financial products.

3. Excess funds are invested in investments with greater risk and higher potential

In addition to 70% of the stable financial investment, the remaining 30% can be invested in real estate or collection, but due to limited income, you can choose to invest in the fixed investment, share the risk every month, spread the cost, and accumulate a lot, which will be a good investment fund for a long time.

4. Self-investment

This refers to the use of self-improvement skills or hobbies, etc., and generally speaking, it is more valuable to improve skills at this time than to deposit in the bank. If you have a large amount of money, you can save for a period of time before making investment arrangements.

It is recommended that you manage your money through banking channels. At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

It is recommended that you go to the outlets of China Merchants Bank to consult the relevant advice of the wealth manager.

If there is a China Merchants Bank in the city, you can learn about the Chaochaoying products of the China Merchants Bank, and the Chaochaoying docking is the China Merchants ** Zhao Qian Bao Currency ** Class B (**: 000607).

Minimum purchase of 1 point, redemption of 1 point, limit of 50,000.

7*24 hours to transfer in and out at any time, no fees.

Fast redemption is received in real time (system default).

You can log in to the mobile banking, click on the bottom of My All Wealth Management Chaoying to transfer to follow the prompts.