Office workers and financial novices say what kind of financial products to choose

China Merchants Bank) China Merchants Bank Wealth Management Products PurchaseAccording to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Wealth Management Products" - "Personal Financial Management Products" - "Search" to classify the product information you need.

Financial planning should take into account three factors: risk, profitability and liquidity.

Financial planning requires you to first analyze your financial situation, including your assets, liabilities, income and expenses.

Financial planning should have appropriate goals and long-term persistence and continuous optimization.

The most important thing in choosing wealth management products is to clarify the intermediary nature of the platform, see whether the platform has set up a capital pool, and if it is formal, the platform cannot provide guarantees, and it is not allowed to illegally absorb public funds. Choosing a good platform is the most formal.

In daily life, office workers have become a large group of people in our country, due to work, family and other reasons, we do not have much energy to allocate funds, many office workers take into account financial management, let professional managers to help manage investment. So how should this group of people manage their finances? How to choose wealth management products?

What type of wealth management products should office workers choose?

As an office worker, we first need to consider the relationship between monthly income and expenses. In fact, many people have a misunderstanding, always think: financial funds = monthly income - monthly expenses.

In fact, this is not right, the correct should be according to their own conditions, first deduct the preset financial funds, and then to spend, so that on the one hand, you can effectively control your own consumption, on the other hand, you 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.

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.

Excess funds are invested in riskier and higher-potential investments

In addition to the 70% of prudent financial investment, let's talk about the remaining 30%. In fact, according to what I said before, this part of the investment can be invested in real estate**or** financial products with higher expected returns, or choose investment products with collection value such as artworks, calligraphy and paintings, after all, the return on these long-term investments is still considerable.

Hello, if you purchase wealth management products through China Merchants Bank, please log in to the homepage of our bank, click on wealth management products (in the middle of the page), check which wealth management product is more suitable for you, or you can go to the branch to consult the relevant suggestions of the wealth manager. Tips: Please read the product manual carefully before purchasing.

It is not easy for office workers to save money, choose a reliable platform, don't be greedy for high returns, you can do short-term bank financial management or **company currency**, or you can do some P2P financial management appropriately. Mainly consider the safety of funds, and choose the one with a more stable income.

Office workers can choose online loans for financial management, which are short-term and more flexible.

1. Savings: The investment behavior that is popular with ordinary households is also the most commonly used investment method, which has safe and reliable procedures, convenient procedures (savings business outlets all over the country), flexible forms, and inheritance. After the bank collects the savings deposit, it must pay the depositor interest, so that the depositor's funds can be preserved and increased.

2. Insurance: Insurance is a financial umbrella, which allows families to hand over risks to insurance companies, even if there are accidents, they can also enable families to maintain a basic quality of life. There are two main categories: property insurance and life insurance.

Life insurance is a type of insurance that pays insurance benefits for the birth, old age, sickness, death and unemployment of a person. There are mainly pension insurance series, return series insurance, personal accident insurance series, etc.

3. :* as a kind of valuable issued by a joint-stock company for the establishment of funds, it is an equity certificate that proves that investors invest in shares and obtain dividend income, with high yield, high risk, transferable, flexible and convenient transactions, etc., and the return on investment can be reflected by calculating the return on investment.

4. Bonds: Mainly refer to treasury bonds, which are bonds issued with ** property and reputation, and treasury bonds can be realized at any time. Although the yield of treasury bonds is not too high, there is basically no risk, and it is the most ideal investment channel.

5. Investment: Investment refers to an investment method in which the sponsor collects the investor's scattered funds through the issuance of bonds (i.e., beneficiary certificates), hands them over to the custodian for safekeeping, manages them to operate, and distributes the investment income to the holders of the bonds. It is the best investment scaffolding tool for family investors who lack time and expertise.

In addition, there are **,**, but these risks are very large, and it is recommended that office workers focus on robust products. If you have enough money, you can consider a property.