With a monthly income of 4,000 and a deposit of 20,000, how to manage money

If there is China Merchants Bank in the city, you can also learn about the wealth management of China Merchants Bank: 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.

Financial advice: Our common low-risk financial management methods include: certificate treasury bonds, regular savings, bonds**, and fixed-income RMB wealth management products.

High security and stable income are the common characteristics of these four financial management methods, and they are also the main reasons for attracting people to invest. This type of product is an ideal investment channel for investors with low risk tolerance.

For you, the most suitable is the ** regular fixed investment, which means that the investor agrees on the deduction time, deduction amount and deduction method of each period agreed by the relevant sales agency, and the sales agency will automatically complete the deduction and subscription from the investor's designated bank account on the agreed deduction date.

Since the amount of investment in this method is generally small, the minimum investment amount is only 100 yuan per month, which is very similar to the bank's lump sum deposit, but the rate of return is generally higher than the bank's equivalent interest rate.

Investors can plan their own regular investment according to the actual situation and goals, such as buying a car and buying a house can choose a three-year or five-year fixed investment, and preparing education funds and pension for children can choose a longer fixed investment period.

At present, banks have launched a lot of capital guaranteed income products, and it is currently a channel for interest rate hikes, so it is recommended to choose short- and medium-term wealth management products.

At present, China Merchants Bank has many ways of personal investment and financial management, such as: fixed-term, treasury bonds, entrusted wealth management, **, trust, insurance, etc.

Each product has different risk levels, minimum purchase amounts and yields. You can choose the financial product that suits you according to your investment preferences, risk tolerance, liquidity, etc. If it does not exceed 50,000 yuan, you can try to understand the "Chao Chaoying".

Chao Chaoying" is connected to the investment ** 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; Quick redemption up to $10,000 per day, immediately credited.

In addition, you can also visit CMB outlets to consult the wealth manager for relevant advice.

If you want to make a steady living, and you don't want to do business, you can buy insurance. Now the interest rate of insurance companies is higher than that of banks, if you are not afraid of risk, you may as well **, such as.

You can buy **, and you can buy ** if time permits**.

**It is a good choice, for you to invest a thousand or a few hundred per month, and after a year, there is a lot of profit (I have a low salary, I also invest 300 per month, and I have invested 1200 yuan so far, and I have earned more than 100 yuan).

Of course, you can also buy insurance and wealth management products launched by banks and insurance companies, but it takes a certain number of years to be able to ** the principal after investing, if you already have a stable place of residence and are not expected to have a large amount of capital turnover in the future, you can consider it.

Standard petty bourgeoisie, you want to do financial management in this case must consider the problem of income and risk, generally low-risk and low-yield products once the loss is a very depressing thing, in addition to various expenses, it can really be said that stealing chickens does not become a loss of rice, if I choose the income is higher than 10%, the risk is less than 20% of the capital turnover is convenient, in fact, I also do this. Welcome to the conversation!

If the monthly salaryman wants to get rid of the moonshine family, it is nothing more than to increase the value of his salary and do some financial management.

1. It is nothing more than a deposit bank, and the interest rates of major banks are similar, but there is no income if you want to pay for it. The term of the term is relatively long, generally three months, half a year, or one year.

2. The second way is to use wealth management through wealth management, which is a more diversified product. 1) You can choose ** financial management, which is as convenient as bank current and can be withdrawn at any time. However, the interest rate is slightly higher than that of the bank.

2) Fixed financial management, which is similar to the bank's fixed deposit, but the time is not so long, generally 1-3 months, and the income is still higher than that of the bank fixed deposit.

Salary wealth management refers to the regular deposit of wealth management connect every month, and the amount of deposit is set in advance, what wealth management products to buy, and there is time. It can be deposited automatically, so you don't have to worry about forgetting it.

You can choose Wealth Management Pass, in accordance with relevant laws and regulations, in accordance with the relevant laws and regulations, with the principle of good faith, prudence and diligence to manage and use assets, to protect the legitimate rights and interests of users A new way of financial management, through the docking with the system of a number of financial institutions, to provide users with financial product information inquiry, transaction orders and other auxiliary services entrance, to assist users in financial institutions to complete account opening, ** and withdrawal, information inquiry and other services, but also through the wealth management through the purchase of products, and then you can get benefits, To put it simply, it has always been similar to the bank's demand deposit, but the interest rate is higher than the bank's demand deposit, and it can be withdrawn at any time.

Do spot with me, and I'll do it too.

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