How should newcomers who have just joined the job and have 10,000 or 20,000 spare money invest?

It is a deposit activity in which urban and rural residents deposit their monetary income that is not used or surplus for the time being into banks or other financial institutions. It is called a savings deposit. At present, savings are generally divided into current savings and regular savings, but the interest on savings is low, but the security is high, is now an indispensable way to manage money, for most people, money in the bank is the safest, at the same time there is interest every month, especially in the older generation is easy to reflect, although security is the focus of this product, but the interest of bank savings is low, especially in recent years, inflation has intensified, savings income can not even catch up with the speed of currency depreciation, more people choose other ways with high returns.

Generally, ** mainly invests in ** blue chip stocks, and when calculating the Shanghai Composite Index, ** blue chips also account for a large weight, so ** and ** Shanghai Composite Index ** is generally the same rise and fall relationship. There are many types and different risks, generally speaking, the higher the return, the greater the risk.

Bank wealth management products are good, the wealth management products designed and issued by the bank can be divided into principal-guaranteed and non-principal-protected types, compared with deposits, the income is more flexible, and may be higher, of course, individuals must also bear certain risks, at first the investment threshold is also very high, with the change of investment habits, in order to benefit more people, banks have launched small investment and wealth management products, bank wealth management income period is relatively long, because the bank designed and issued, so there are still many people choose this financial investment method.

My suggestion is to do e-commerce, no need to hoard goods, and no need for big promotion, you can find a few partners to open more than a dozen stores, through the collection software one-click delivery, delivery, and then learn how to do the fission optimization of the title, basically a store out of 5 orders a day, ten stores down, and partners to share the income equally, it is also relatively good, the later stage is bigger, you can set up a studio, recruit a few people to do.

For example, animation peripheral stores, combined with the current fashion animation elements of animation peripheral products are loved by current students and young people, the profit margin of animation products is relatively large, after all, the face is young people, this kind of people spend money to buy things are with their own personality, they will buy if they like, and the animation store investment is small and effective, the store area is not too large, the operation is simple and easy to use, it is a very good entrepreneurial project.

I graduated two years ago, worked in a second-tier city, and rented a house by myself. The average monthly salary in the first year is 7,000 yuan, and he plans to save at least 2,000 yuan. I keep monthly accounts so that I know how much I spend each month and set a budget for the next month on the last day of the month.

In fact, my monthly consumption averages 4,000 yuan, so I have saved nearly 40,000 yuan in a year. It is also very important to keep 10,000 yuan in Yu'e Bao to improve your ability. The most important thing for a newcomer to the workplace is to improve their abilities and thus increase their salary.

In addition to work, I should read more books, exercise more, and meet more excellent people. Of course, in any case, when you pay your salary, you must force you to save 20%, so that after a year, you will have a certain amount of underlying assets and it is possible to seek products with higher returns. And during this period, it is also a process of continuous learning.

Real estate is a real estate, is a high investment, high financial investment mode, at present in the first-tier cities, the average house price is tens of thousands of square meters, the central area is even as high as 10 tens of thousands of square meters, but even if the housing prices are very high, the enthusiasm to buy a house will never be broken, the property can be lived in or rented, under the continued economic prosperity, the prospect of real estate investment appreciation is widely optimistic, but also many people even if they take out a loan to buy a house, at present, more people turn their attention to the rapid development of the second and third tier cities, Compared with the first-tier cities, the cost of housing prices is low, and there is still a lot of room for appreciation, but the real estate is affected by the economic situation, policies and other factors, so it is prudent to invest in real estate.

There are many ways to manage money, there are good and bad financial products, to make yourself manage your finances well, assets can increase in value, necessary learning is indispensable. Only by learning financial knowledge and improving financial management skills as early as possible can we fully understand the importance of financial management and form good financial habits. You can usually browse the latest financial news on professional finance**, learn the basic knowledge of finance, and communicate with experienced people to broaden your horizons.