How should I invest in small investment and financial management?

1. Bank savings.

Bank savings is the most basic small financial management tool, although the yield is relatively low, but the highest degree of security. In addition, it also has an obvious advantage that investors do not need to master advanced financial knowledge and skills, nor do they need to pay attention to the impact that the external environment may have on the safety of funds. Therefore, when making small investment and financial management, bank fixed deposit is often the preferred way for people.

However, it also has obvious shortcomings, that is, insufficient liquidity, when investors urgently need money, they may face the embarrassment of having money but not being able to use it.

2. "Baby" products.

At present, various Internet baby products, such as Yue Bao, WeChat Wealth Management, etc., are basically currency products, the risk is relatively small, 1 yuan investment, you can see the income every day, but the current yield of Internet baby products has declined, and the 7-day annualized rate of return has reached about 4%. When investors choose this kind of small investment and financial management method, they should learn to accept it when they see it.

3. Currency**.

Currency** generally invests in some central bank bills, short-term treasury bonds, repo, bank deposits, etc., so it is also known as "quasi-savings products", and it is also a relatively small risk and suitable for small amounts of financial management. Monetary ** has the characteristics of relatively safe principal and strong liquidity, with an annual rate of return of about 4%, investors can invest as long as they have a few hundred yuan, and it is also a way to save family emergency reserves.

4. P2P financial management.

P2P financial management has a low threshold and a good rate of return, with an annualized rate of return of more than 10%. In order to reduce investment risks, investors should choose those investment and wealth management companies that are guaranteed by guarantee companies, but there have been several recent incidents of investment companies running away, so here, investors must keep their eyes open before investing and choose a reliable and professional P2P financial management platform.

Small financial investment leads people to make 300% profit for 1 hour a day, and you can do it when you want to do it.

There are many financial platforms on the market, starting from one yuan. That's what I'm using now. E ticket treasure is also it.,Recently changed to a pie pig.。

How to do personal small investment and financial management? Investment and financial management has become a must to learn survival skills, trying to invest in financial management is very beneficial to the future life, for ordinary people, small investment is a good choice, but how to do personal small investment and financial management? The following is a brief introduction to personal small investment and financial management.

How to do personal small investment and financial management?

Before talking about how to manage personal small investments, we should understand: financial management is an attitude, a habit, it has nothing to do with whether you have funds or how much money, the important thing is whether the individual has the habit of developing financial management and knows how to manage money. Before there is no own economy, simple bookkeeping and reasonable planning of expenditures also belong to financial management; For people with a high monthly income, they don't know how to manage money, and eventually they can't accumulate wealth, so it is especially important for individuals to learn small investment and financial management, especially in the case of limited economy.

The first step of personal small investment and financial management is to make a reasonable positioning of their income, and then make a preliminary budget for their own expenses, which is also the purpose of financial management to advocate bookkeeping. There is no best way to manage money, only the most suitable financial management plan for individuals, and individuals need to allocate funds in proportion to different ways of financial management according to factors such as flexibility, security, and expected annualized expected rate of return for actual income and expenditure.

Second, choose a wealth management product that you are familiar with. The risk of financial management is often proportional to the expected annualized expected return of financial management, the greater the risk, the higher the expected annualized expected rate of return, but financial management is not gambling, in the face of an unfamiliar financial product, you can not blindly follow, you must always remain sensible. For example, in the first half of 2015, people used the "bull market" to describe the entire ticket market, and there were reports that some new shareholders could make money by buying indiscriminately, so some investors spent all their savings to buy, and when there was a large fluctuation, it led to a large loss.

Therefore, another aspect of wealth management is to be familiar with financial products, and only if you are familiar with financial products can you obtain the expected annualized expected return under the premise of relative safety.