How can I manage my money better? How can I manage my money well?

1. Ping An Bank has launched a variety of wealth management products to meet the needs of investors, the investment direction and redemption rules of each wealth management product are different, some wealth management products will be automatically cleared by the system after expiration, and some wealth management products need customers to redeem within the specified time limit.

2. If it is stated in the product manual that the product can be redeemed through mobile banking, you need to log in to the Ping An Pocket Bank APP-My-My Order within the specified redemption time limit, find the order of the wealth management product and enter the financial redemption operation.

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.

I disagree with what the brothers below say: they are talking only about investment. At present, many people equate financial management with investment. In fact, investment is only part of financial management.

Financial management includes: investment planning, pension planning, real estate planning, children's education planning, cash planning, asset inheritance, tax planning, and retirement planning.

As for how to manage money well? Since I don't have your detailed information, I can't take your pulse.

Financial management should first be determined according to your personal life cycle, risk tolerance and life goals. That is, the financial plan must be tailor-made, and the best is what suits you. It's not just about investing.

Let me give you some advice: First, you must manage your finances, the sooner the better. (No money is just an excuse).

Second, financial management involves investment, and we must adhere to long-term investment. (Like the big drop on November 12, it's actually nothing in the long run.) It's just a small fluctuation).

Finally, give the best review. It took so much time and effort. And my answer is really the best at the moment. (I'm not boasting).

It is recommended that you remove the monthly living necessities, and part of the balance is deposited in the bank in the form of small deposits and withdrawals, although the bank interest rate is low, but stable and safe, and you can effectively save money. The other part can be fixed to invest in one**, but if you insist on long-term investment, you will have good returns. The key to regular investment is to stick to the long-term, and it is difficult to see the benefits in the short term.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a back-end fee for regular investment. Not all of them have a backend.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

1. 20% of the fixed income is used for regular savings, this money is the money that will not be moved directly after saving, and after saving, it will be regarded as no money, and do not consider any consumption, pay attention to not doing any consumption. Spend part of it, and invest the rest to earn money in the future. If you don't feel very rich, you can choose to save a few hundred yuan a month, save a whole amount, save a whole amount, and choose some with higher interest.

In case there is no money to spend later.

2. The remaining 20% is used to invest in yourself, that is, to strengthen your brain, as long as you are willing to learn, there is no need to apply for too many training courses, there are many online, even if you pay to study, there will not be much money, or buy books. If there is still a surplus, continue to store it for your future education or vocational skills training. Look big and invest in learning.

You can choose some knowledge and skills that you feel you need to find a job. For example: computer knowledge, banking knowledge, teaching knowledge.

Or take some certificates, which will be used in the future to find a suitable job.

3. After the above two are excluded, what remains is your daily expenses and expenses. Pay attention to rational consumption, shop to master a principle, not long-term use of things, don't do impulsive consumption, a lot of things, after buying only to find that they can not be used a few times a year. Spend part of it, and invest the rest to earn money in the future.

If you don't feel very rich, you can choose to save a few hundred yuan a month, save a whole amount, save a whole amount, and choose some with higher interest. In case there is no money to spend later.

How to manage money before investing is the key, first of all, to become a financial expert, how to distribute the monthly salary is reasonable. In fact, it is not difficult to start managing money, and if you are about to start or are already thinking about what is a healthy financial concept, then you have already got a good start. There are many good practices that can help us start our own financial plan, and the following habits, if you can follow its rules, can help a person who is just starting to manage money to learn how to control their financial situation well.

These rules will convince you that it's definitely a good idea to start with a financial plan now, and that the sooner you start, the easier it is to reach your goals, even a small investment is worth it. Let's talk about these habits in detail.

Habit 1: Be clear about your values and economic goals.

By understanding your own values, you can establish economic goals that are clear, unambiguous, authentic, and feasible. Without clear goals and directions, you can't make the right budget; If you don't have enough reason to discipline yourself, you won't be able to achieve the goals you want in 2, 20 or even 40 years.

Habit 2: Cut expenses.

A lot of people complain at the beginning that they can't afford to invest more money to achieve their economic goals. In fact, the goal is not achieved by a large investment. Cut back on expenses and save every dollar, because even a small investment can lead to a lot of wealth, such as:

What is the result of saving an extra 100 yuan every month? If you start investing at the age of 24 and can get 10% of the profit, at the age of 34, you will have 20,000 yuan of nay money. By the time I'm 65, those small investments have become $616,000.

The longer the investment, the more obvious the effect of compound interest becomes. Over time, the profits from saving and investing have become even more apparent. So the earlier you start and the more you save, the more your profits will grow exponentially.

Habit 3: Keep a record of your finances.

If you can measure, you must be able to understand, and if you can understand, you must be able to change. Without consistent, organized, and accurate records, a financial plan is impossible. Therefore, it is necessary to keep a detailed record of your income and expenditure at the beginning of your financial plan.

A good record can enable you to:

1. Measure your economic position – this is the basis for developing a sound financial plan.

2. Effectively change the current financial management behavior.

3. Measure progress towards the goal. In particular, it is important to keep financial records and establish a file so that you can know your income, net worth, expenses and liabilities.

The above habits can help us start our financial life. In addition to patience, we must also have the financial management concept of "don't take advantage of small things". As long as you concentrate on business and development, you can achieve a big business in a small field.

A good start is half the battle. Keep doing this for a long time, and I'm sure you'll achieve your life goals too!

1. Start with bank wealth management and Yue Bao first. People who don't understand investment or financial management at all should first start by learning to save, and focus on compulsory time deposits, whether it is fixed deposit in the bank or fixed deposit in Yue Bao, both of which only have theoretical risks.

2. Start investing in the investment areas you are best at. Interlaced is like a mountain, but as long as all walks of life are good at research, it is easier to make money if they are very good at it, if they don't understand anything and invest indiscriminately, wealth is likely to be negative.

3. Invest in low-risk areas. 100,000 yuan can be distributed in this way: 50,000 yuan for bank wealth management, 30,000 yuan for treasury bonds, and 20,000 yuan for fixed deposits. At present, the average yield of RMB wealth management products is around the same level, with the interest rate of 5-year treasury bonds and the interest rate of one-year fixed deposits.

Remind everyone that financial management is not like buying groceries, you must know some knowledge and skills. You can buy one kind of food, but financial management should not just focus on one project, but should diversify investment, which is also to diversify risks and minimize risks.

You are the one who is risky, that is high risk and high return, so you need to read more financial management books. Understand before you participate.