How do the post 90s manage their finances? How to manage money after the 90s

What is financial management?

A thousand young people may have a thousand sayings, each with its own truth.

Some people say that grandpa's financial management is to save money and keep money in the bank.

Some people say that financial management is to use money to make investments, and money makes money. So that while you are resting, the money is still working for you.

Some people also say that the money is not stored in the bank, but placed in Yuebao, and invested in P2P.

These statements are good, but they are not comprehensive.

Financial management actually runs through our lives, an old saying is right, money is not everything, leaving money is absolutely impossible, food and clothing, work and study, travel and vacation, all need to use money, the process of financial management is actually the process of our life.

In the process of taking care of their lives, the post-90s generation should always ask themselves such a question because of their lack of life and experience.

What kind of life do I want to live?

Everyone has their own way of life, and today's actions determine tomorrow's life.

Choosing to save money for food, drink and entertainment today to invest means that you may be one step ahead of your peers tomorrow to achieve your dream of buying a house and getting married.

If you choose to overdraft your card today to eat and drink and enjoy it, it means that you will have to work twice as hard to repay the money tomorrow.

Different life values determine different life attitudes, what causes are planted today, and what fruits will be obtained tomorrow.

Managing money is a trade-off, choosing to get something will inevitably lose others, and it is impossible to get everything you want. Only when you have figured out what kind of life you want to live and determined your life goals can you start to determine your financial goals and move forward step by step towards the life of your dreams.

Once you know what kind of life you want to live, you need to invest in yourself clearly and add value to yourself.

It is very fantastical for a young man with only tens of millions of yuan of savings around him to get rich quickly by relying on money.

In life, we continue to learn a variety of investment and financial knowledge, and practice a variety of investment and financial management tools. Although it takes a lot of energy and lasts a long time to learn financial knowledge through reading, only through the knowledge you have mastered will you not cheat people. Even if there are failures, you can sum up a lot of valuable experience, and you can avoid detours in the investment process in the future.

As mentioned above, financial management is to open source and reduce expenditure, through the improvement of ability, you can get a lot of funds, but if the income and expenditure are not balanced, financial management will become a rootless tree, you can throttle through bookkeeping, and cultivate your own sense of throttling. Bookkeeping is not simply a record of running accounts, not only to record daily expenses, but to find out the dispensable consumption in daily life and allocate limited funds more reasonably.

Determine your goals in life and finances.

Intentional throttling through bookkeeping.

Actively plan your career.

As long as these three points are done well, the financial management of the post-90s generation has already achieved half of the success.

It is very important for the post-90s generation to choose a formal platform for financial management, so as to obtain peace of mind and better ensure the safety of funds. Du Xiaoman financial management is the original financial management, Du Xiaoman financial management.

It is a professional wealth management platform under Du Xiaoman Finance (formerly Finance), providing diversified wealth management products such as investment, current wealth management and bank regular wealth management. Du Xiaoman Wealth Management helps users to achieve wealth growth with peace of mind, and users choose suitable financial products according to their liquidity preferences and risk preferences. At present, Du Xiaoman Wealth Management has been operating safely for nearly 5 years, and the previous products have also completed the redemption of principal and interest.

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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.

1. Cultivate a bookkeeping consumption habit. Know yourself and your opponent, so that you can use your money for ideas.

2. Reasonable allocation of bank assets, such as demand deposits for three to six months of living expenses, can also be combined with credit cards to give full play to the role of cash planning!

3. Know how to transfer family financial risks (including personal and property aspects). But there is one thing that many people will forget, that is, your relatives, such immediate family members will directly affect your financial situation, if it is an only child now, then there is only the accident, medical, serious illness and pension risk of the second elder. This needs to be considered comprehensively!

And it's also something that many people don't realize!

4. Begin to consider asset preservation and appreciation through investment, so as to meet financial needs such as real estate and pension!

Postscript: So how much money you can spend now is important, but what is more important is how to train such a financial habit. In the past 10 years, we will all have one sentence: "I knew it earlier."

Before doing financial management, first of all, you must have a better understanding of the common financial management in the market, which can be simply divided into fixed income financial management and floating income financial management.

Floating income financial management includes, foreign exchange, etc., the profitability of these financial management is determined by your own ability, so it can be said that your ability determines the profitability and risk.

Fixed income wealth management includes bank wealth management, asset management projects of ** subsidiaries, asset management projects of securities companies and trusts, etc., the most common manifestation of these financial management is a certain period of time, a certain income, so what you have to do is to make a simple choice of products.

Whether it is to choose fixed income financial management or floating income financial management is desirable, the key is to look at your own preferences, which financial management method you prefer more, before choosing financial management, you can try to do a comprehensive understanding, if it is the best type of financial management, you can even do a simulated disk, so that you can feel more deeply.

In addition, if your income is high and the scale of your assets is large, you can consider making an asset allocation, taking out a small part of your assets to do floating income financial management, and most of them to do fixed income financial management, which can also allow your wealth to preserve and increase in value, so that most of your property can be preserved, and you can feel the achievement and joy that ** brings you.

At present, there are generally four types of wealth management products on the market:

1. The bank's wealth management products, with the central bank cutting interest rates, wealth management products will also follow the interest rate cuts, the income is not high, and then falling, there is basically not much income.

2. P2P financial management. It can be said that P2P financial management has become a mainstream financial management model.

3. The offline wealth management products of the guarantee company are similar to the P2P model.

4. The financial products represented by Yu Yu Bao are not recommended, I just tried it a few days ago, and I saved a few thousand into it, and it has been about a week, and it still hasn't given me a profit.

I'll focus on P2P financial management, taking Friend Treasure Finance as an example, let's talk about the biggest advantages of P2P financial management:

2. There is no need for any collateral, the threshold is low, and you can start investing with 50 yuan, and there is no pressure to repay;

3. With the principle of "safe, simple, transparent and flexible", it saves cumbersome and complicated procedures for financial investors;

4. It allows users to invest anytime and anywhere;

5. Strictly control the quality of the borrower to ensure the safety of investment, and the guarantee system will start the protection and compensation system in the event of overdue repayment or bad debts, so as to ensure the legitimate interests of each investor and enjoy high returns every month.

6. When you need funds, you can transfer the bonds at any time.

You need to be cautious when buying P2P financial management, and the safety of the principal is the top priority. One last note, diversification.

After the 90s, we don't have much money, so we choose those with high short-term returns and lavish spending. Pay more attention to financial information to help understand**. Personally, I recommend that you go to know about Toubao Finance.

First of all, look at your capital situation, if the investment capital is only tens of thousands of yuan, there are few products to choose from, and the basic function is to buy the bank's products; If there are hundreds of thousands of yuan, you can consider the wealth management products of banks or brokers, the general income of banks is about 5 6%, and the brokers' will be higher, of course, if you are not afraid of risks, you can also invest in private equity products or even P2P, etc., and the income is uncertain; If there are millions of yuan, it is recommended to do asset allocation, and obtain stable returns with wealth management products with different risk levels; If there are tens of millions or even hundreds of millions, it is recommended to invest in industry or PE VC

Personally, I suggest that you learn more about venture capital when you are young, and you can put it in the future when the demand is stable.

Nowadays, financial management has become very common, and it is very good for the post-90s generation to have such thoughts! For the post-90s petty bourgeois wealth management products, there are 2 kinds! 1. You can buy some better insurance and choose a guaranteed insurance company, which is a sure win!

But there are many kinds of insurance, so choose carefully! This is a long-term investment!

2. You can do **and**investment! Hope it helps.

It's a good idea to include 25% of your monthly fixed income in your personal savings plan and invest 20% of your income on a regular, fixed amount.

Make a small investment with 10% of your income. Fledgling young people have little experience in investment products, and can learn from experience through small investments, recommend: foreign exchange ** belongs to the current hot, due to the instability of the international situation, a large number of investors risk aversion is high, so ******, belongs to the current popular financial projects.

10% of income is spent on insurance.

The most important thing is to choose some safe, high-yield, and good platforms! For example, the goose net!!

I've been wondering what kind of financial products to buy.