How to manage money with an annual income of 100,000 yuan, and how to manage money with an annual sa

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.

At present, there are many ways to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc., with different risk levels, minimum purchase amounts and yields.

If you have investment and financial needs, you can go to China Merchants Bank outlets to consult the wealth manager for relevant advice.

There is a proportional distribution, first buy insurance as a protection, and if you have spare money, you can engage in financial investment.

Let's take a look at that kind of financial management**! I'll just use one, and it gives me better advice every day, including the breakdown of expenses!

You can use the "three-three system"!

One-third of current savings --- used for daily living.

One-third of the regular savings --- used for short-term planning (you can do fixed-term three-year fixed investment, five-year fixed investment or fixed-term dividend insurance).

One-third of the long-term protection --- used for the long-term protection of your own family, buy some insurance, and there will be a large risk allowance when the protection of large risks comes.

Doing some investments, securities, and insurance are all good ways to manage money!!

Reasonable distribution!!

Shenzhen Ping'an!!

Different financial management methods have different benefits. If you are buying bank wealth management, then there are several situations:

To buy low-risk wealth management, the risk level is generally PR1, for example, capital guaranteed wealth management (according to regulatory regulations, capital guaranteed wealth management has been cancelled and replaced by structured deposits) or structured deposits, the yield of this kind of wealth management is generally between, that is to say, the annual interest is between 2000 and 3000 yuan, but because structured deposits are basically equivalent to capital guaranteed wealth management, this kind of financial management generally has a quota limit, and sometimes it needs to be snapped up, which is more difficult to buy;

In fact, this kind of financial management generally does not lose the principal, at least I have not encountered it, but the product manual will still write the risk of losing the principal. The corresponding rate of return is generally, that is to say, the annual interest of 100,000 yuan is generally 3,000 yuan to 4,000 yuan;

Buy PR3 level financial management, this kind of yield is generally more than 4%, of course, the risk is also large, there is a risk of losing the principal, this kind of financial products is a combination of a variety of investment tools, such as a mixture of **, bonds, **, etc., but the proportion is different;

Buy flexible financial management, for example, now the bank has launched a variety of flexible financial management similar to Yu Bao, generally speaking, the yield is about now, and the annual interest rate of 2400 is not too far, of course, the yield of this financial product is changing, but the difference will not be too big. This type of wealth management product is actually a kind of currency**, which can basically protect the principal.

Extended information: The specific content of financial management: Financial management, as the name suggests, refers to the management of finances.

When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

It is recommended that you manage your money through banking channels. At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

Make an investment plan, add the products you want to invest in, and do a technical analysis and operation guidance.