What are the financial products that are more suitable for ordinary people s families?

It is very important for families to choose a formal platform for financial management, so as to obtain peace of mind and better protect the safety of funds. Du Xiaoman financial management is the original financial management, Du Xiaoman financial management.

It is a professional wealth management platform under Du Xiaoman Finance (formerly Finance), providing diversified wealth management products such as investment, current wealth management and bank regular wealth management. Du Xiaoman Wealth Management helps users to achieve wealth growth with peace of mind, and users choose suitable financial products according to their liquidity preferences and risk preferences. At present, Du Xiaoman Wealth Management has been operating safely for nearly 5 years, and the previous products have also completed the redemption of principal and interest.

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1. Bank deposits.

As a traditional way of financial management, compared with other investment methods, it has the advantages of safety and reliability, convenient procedures, flexible forms, etc., and also has inheritance. Take into account the family's risk tolerance, and allocate assets reasonably.

Bank deposits are the safest and preferred way to manage your finances.

2. Currency**.

Currency storage is flexible and operated by professional managers, which distinguishes it from other types of open storage.

It has high security, high liquidity, stable returns, and has the characteristics of "quasi-savings". It can meet people's needs to obtain ideal returns through ** investment, so it is very suitable for family financial management.

3. Insurance. Insurance is a financial umbrella that allows families to hand over risks to insurance companies, even in the event of an accident, allowing families to maintain a basic quality of life. Insurance investment may not be the most important way to manage money in a family's investment activities, but it is the most necessary.

There are generally many varieties of income insurance, which has the most basic protection function of insurance, which can bring income to investors and achieve a win-win situation for protection and investment.

In order to ensure that the family's living standards will not decline, it is necessary to review the family's asset distribution and affordability in a timely manner, choose stable financial channels, and rationally allocate assets, so as to achieve a bumper harvest of asset income and stabilize family life.

First: how much money is available for investment or how much follow-up money there is. Many investment products are subject to capital requirements. Depending on the size of your funds, you can lock in a certain range.

Second: how much profit you want to get, that is, what is the expected rate of return. This also locks in a certain range.

Third: how long do you want the payback period of your investment, whether it is ready to be available, months, or years, etc.

After sorting out the above three points, then you can basically determine your investment and financial plan by consulting with a professional. Hope it helps, hope. Thank you.

The so-called don't put your eggs in one basket, risky and risk-free investment varieties are appropriately allocated - risky, such as foreign exchange, **, ****, etc., because risk and return coexist; Risk-free, such as fixed deposits, protection insurance, currency**, etc. The allocation ratio depends on your personal risk tolerance.

There is no ideal or undesirable way to manage money, each has its own advantages and disadvantages, and it is often said that there are no good financial products, only financial products that are suitable for you. Think about what your financial goals are, i.e., what you will do with the money in the future, when you will use it, etc. Then choose a wealth management product according to your actual situation.

I made this one that fits perfectly, and I can do it at home

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The purpose of family financial management is to generate sustainable income through the rational allocation of family income. Family financial planning is closely related to family income and expenditure, risk appetite and other factors, so what are the financial management methods suitable for ordinary families? Let's follow along to find out!

1. Bank deposits.

The biggest advantage of bank deposits is low risk and the safety of the principal, and the disadvantage is that the expected rate of return is low. In addition to the common demand deposits, bank deposit products also include time deposits and large certificates of deposit, with large certificates of deposit having the highest interest rate for the same period, followed by time deposits. The deposit period generally includes a variety of options such as three months, six months, one year, three years, five years, etc., and the higher the amount or the longer the deposit period, the higher the deposit interest rate.

2. Baby financial products

Yue Bao and Wealth Management Connect are common baby wealth management products, and bank baby products such as Bank of China Salary Jinbao and CCB Cash Bonus Currency** are also suitable for family investment. The advantages of this type of product are low investment threshold, fast application and redemption, low risk, stable expected return, and higher than bank demand deposits.

3. Reverse repurchase of treasury bonds and treasury bonds

Treasury bonds are a type of bond issued by the Ministry of Finance of the People's Republic of China, and investors can receive an expected return on interest after holding it at maturity. Treasury bonds have the lowest risk rating among all types of bonds, with an average expected rate of return.

Reverse repurchase of treasury bonds refers to a financial management method in which treasury bond holders borrow short-term loans from investors with treasury bonds as collateral, and investors receive principal and interest at maturity. Because the safety factor of treasury bonds is extremely high, the safety and expected yield of reverse repo of treasury bonds are also relatively guaranteed.

4. Bank wealth management products

Bank wealth management products are divided into 5 risk levels, for ordinary families with weak risk tolerance, you can choose PR1 (cautious) and PR2 (prudent) products to purchase, these two types of products have a small probability of principal loss.

**, **, trust and other products have a higher expected rate of return, but the risk is also high, requiring investors to have a certain degree of professionalism, so it is not recommended to invest in families. I hope it will be helpful to you about the content of the financial management methods suitable for ordinary families. Warm reminder, financial management is risky, investment needs to be cautious.

What are the most suitable financial management methods for ordinary people?

The first, of course, is bank deposits。Bank deposits should be the earliest and most accessible way of financial management for ordinary people, and it may also be the most understood financial management method for ordinary people.

First of all, bank deposits are principal and interest guaranteed, and the safety is needless to say.

Secondly, the threshold for bank deposits is also very low, the minimum deposit amount of time deposits is only 50 yuan, everyone can afford to save, even if it is a three-year-old child, as long as they can open a bank account.

Thirdly, there are many bank outlets, and it is very convenient to deposit money, and there is basically no problem of not being able to find a bank to deposit money.

Therefore, although there are many more ways to manage money today, bank deposits are still the most important financial management method for ordinary people.

The second is to buy government bonds. Treasury bonds, like bank deposits, are also products that guarantee principal and interest, and the security is naturally very high, even higher than that of bank deposits. The threshold for treasury bonds is also relatively low, starting at 100 yuan, and book-entry treasury bonds are only 1,000 yuan.

For ordinary people with financial needs, it is not a problem.

In addition, treasury bonds are also bought at banks, so it is more convenient to buy. It's just that you can't buy Treasury bonds in any bank, but only in a few banks, which makes it a little less convenient. Fortunately, the six major state-owned banks are all underwriters of treasury bonds, and as long as there are outlets of these banks near their permanent residences, it is relatively convenient to buy treasury bonds.

Bank deposits and government bonds are similar and can be substituted for each other. If we consider the interest rate, when the target financial management period is shorter, it is better to buy treasury bonds, and when the maturity is longer, it is better to deposit in the bank.

The third type is currency**. Although currency** is not a financial management with guaranteed principal and interest, because it is a low-risk product, it is unlikely to lose money in fact.

The advantage of currency ** is that it is more flexible, and it can be redeemed at any time after buying, and some currencies ** can be redeemed as long as the amount of redemption does not exceed 10,000 yuan, and it can be received immediately, and more importantly, it will not lose the interest that has been obtained before.

In addition, the purchase threshold of currency ** is also relatively low, so it is convenient to buy it. The minimum purchase threshold for currency** is only 1 yuan, which is lower than the deposit. Nowadays, buying currency can be carried out completely, such as WeChat and Alipay, which we may use every day, have currency to sell under its financial management platform, and you can buy it directly if you want to, and you don't need to open an account again.

The fourth is bank cash management financial management. This is a low-risk bank wealth management that is similar to currency ** in almost every way, but in terms of returns, it may be slightly higher than currency **.

The minimum purchase threshold for bank cash management is also 1 yuan, which is low, and can be bought through the bank's offline outlets, online banking or mobile banking. It's just that not all banks have cash management financial management, and you have to find out which ones you don't have to find by yourself. Generally, the larger banks are basically available.

So, in addition to the above, what other financial management methods do you think are suitable for ordinary people?

For ordinary people, the following ways of managing money may be the most suitable:

Savings Accounts: Savings accounts are a very safe and liquid way to manage your money. Especially for those who don't want to take too much risk, a savings account is a more reliable option.

Wealth management: Wealth management is a kind of filial piety tool that can help individuals diversify their risks and obtain returns in the market. This type of investment requires a certain amount of expertise and experience, but it is also a good choice for those who have some investment experience.

Provident Fund: Provident Fund is a mandatory savings system that is set up to support your future residence and retirement. Although the interest rate of the provident fund is relatively low, the security and stability of its mid-series manuscript are also unmatched by other investment methods.

Generally speaking, the most suitable financial management method for ordinary people should be an investment method with high security, stable income and low risk. Of course, everyone's situation is different, and you need to choose the most suitable financial management method according to your specific situation.

Hello, generally speaking, asset allocation is a more suitable way.