What are the common problems in investment and financial management?

Generally speaking, common financial problems mainly include the following aspects:

Clause. 1. For the wealth management products you choose.

The expected rate of return you want.

How much? Is it 4% or 10%, 20%-50%, or hundreds of times the return? If it's 4%, then you can choose the currency**.

or a one-year fixed deposit with a bank; If it is 10%, then most of the Internet financial products on the market can generally achieve this income; If you want a 20-50% return, then you can choose **Formula**; If you ask for a return of hundreds of times, then you can invest in real estate.

Clause. 2. What are the investment risks you can afford to bear? Is it necessary to protect the principal, or can a certain degree of principal loss be accepted in order to obtain high returns?

If capital preservation is a must, then banks and currencies** are your best bets. If you can accept a certain loss of principal investment, then you can consider ****.

and real estate, of course, Internet financial products sometimes have some risks, such as: the person in charge of the company runs away with money, etc.

Clause. 3. The safety factor of the wealth management product you choose.

What do you think? Does the company providing the product have the relevant qualifications, whether the funds are monitored by the custodian bank, how many years has the project been in safe operation, etc.? Generally speaking, if a wealth management company has relevant financial management qualifications, the investment funds are also monitored by a fixed custodian bank, and the safe operation of the project is more than three years, then the financial management project is still relatively reliable.

Clause. 4. What is the liquidity of the funds you hope for wealth management products? Can it be withdrawn flexibly at any time, can it be stored for a short period of time, or can it be invested there all year round?

If you want flexible access to your funds, then the bank's current and currency** will be the best option for you; Short-term investment can choose from 3 months to 1 year of Internet financial products; If it's a long-term investment, then real estate can be a good choice.

In short, when it comes to financial management, you have to remember one sentence: if you don't manage money, money won't care about you. Another sentence: risk and return are always proportional.

Pay attention to the public account "Xiaoqi's Sky"! Recorded stories, workplace essays, emotional chicken soup, there is always one for you!

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 visit our branches to consult the relevant advice of the wealth manager.

1.The more money you have in your current account, the poorer you become. No matter what kind of financial product you buy, any kind of small, risky investment is better than keeping money in a current account.

2.The first investment in financial management must not be **! ** is a high-risk investment.

When you don't have an outstanding investment mentality and enough common sense, you simply treat ** as a casino, because you lack strong self-control and risk tolerance. It's best to develop the ability to control your wealth and mindset through low-risk products first, and then re-enter when you have a certain risk tolerance**.

3.Don't be sure to use the installment and cash withdrawal functions of your credit card, and don't believe any zero-interest promotions. With or without interest, there will be a high rated cost.

4.Managing money is a long-term process. Getting rich overnight takes time and patience.

5.Money management is the same as homework, financial management should take risks, but if you don't manage money, you should take the risk of the value of your money declining.

The most important thing in financial management is to maintain a peaceful mentality, you can't want to get rich overnight, and you have to stop in moderation, if you are too greedy, it is easy to die into the trap of high interest and high returns, you want other people's interest, Lao Li nucleates others want your principal.

Each of us hopes that the wealth we have can be maintained and increased, so that our lives can be more secure and happier. Therefore, financial management is a very important part of our daily life. ......As an ordinary person, it is very important to learn how to manage money.

Specifically, the financial knowledge that ordinary people should know includes three aspects: the goal of financial management is to make profits but more importantly, to prevent risks, to take into account income and liquidity, and to avoid areas that they are not familiar with when choosing financial management methods.

1. Financial management should be aimed at profit, but it should be more risk-averse.

The goal of our financial management is to preserve and increase the value of our wealth. Therefore, we should aim for profit when managing our finances, and there is no problem. ......However, while pursuing profits, we must also see that any profitable financial management method has certain risks, and the greater the profit, the higher the risk.

Therefore, we should not only pay attention to immediate interests when managing our finances, but also pay more attention to preventing risks.

2. When managing money, we should pay attention to the issue of taking into account income and liquidity.

In the process of our financial management, the longer the period of investment in financial management, the higher the return. ......However, this will bring a problem, that is, when you are engaged in long-term financial management, you will put your money in and cannot take it out, and once you have something to do during this period, you will face the dilemma of lack of money. ......Therefore, when managing money, we should take into account the issues of income and liquidity, and do not invest in financial management for too long.

3. When choosing a specific financial management method, you should avoid using areas that you are not familiar with.

There are many ways to manage money, and we will have a lot of choices when it comes to managing money. ......However, because different ways of managing money have different specific methods of operation, which requires a corresponding level of familiarity to master, if we manage money in areas that we are not familiar with, we may be in a situation that is not good for us. ......Therefore, we should avoid areas that we are not familiar with when managing our finances, so that we can make ourselves successful in financial management, ensure stability and make ourselves profitable.