I would like to ask if there is any better way to manage money for the public? Recommend thank you!

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Warren Buffett once said that how much wealth you can accumulate in a lifetime does not depend on how much money you can make, but on how you invest and manage your finances. Due to the continuous development of the financial industry, the types of financial wealth management products are becoming more and more complex, so that investors are also dazzled.

1. Banks, well-deserved first.

Bank savings are an indispensable part of every family's financial management. Although the interest rate of savings is low, it is liquid and safe. As a financial institution guaranteed by the country's reputation, the risk of deposits and financial management is certainly better than that of other financial institutions.

According to statistics, China's savings rate is the highest in the world, which is inseparable from the country's economic level, people's consumption habits and financial management concepts.

2. Yue Bao.

Papa Ma's Yue Bao, I won't say much about this, with Ma's dad as the backing, there is no need to say much about safety and usability. The emergence of Yu'e Bao can be said to be of historical significance, which has changed people's financial management concepts to a certain extent, helping people to make reasonable use of the money in the online shopping platform and convert it into a currency model for financial management.

Easy access and withdrawal, weekday consumption can also be used, according to their own savings and less interest earned, annualized benefits in the left and right, like the usual spare money can really be put in this, emergency needs can be taken out at any time, the same day to the account. Now you can deposit the interest in the next diary at 9 o'clock every day.

3. Recently, P2P online loans have been hot.

P2P financial management this new type of financial management gradually appeared in the public eye, compared with bank financial management flexibility, a low entry threshold for investors, the minimum investment amount is not high, generally 100 investment, the threshold is low, the audience is wide.

According to the analysis of relevant people, P2P Internet finance integrates the advantages of fast and convenient financial management and Internet information exchange. At present, there are many P2P wealth management companies in China, with different products and different yields, but the average income of the industry is 15%. With the gradual implementation of national supervision, the P2P industry will return to normal sooner or later, but the risk will not be low.

4. Wealth management insurance and accident insurance.

If you want to buy insurance, you can spend 10% of your income to buy life insurance, medical insurance, accident insurance, etc. If an accident happens, don't be in a hurry. The competitive advantage of insurance and financial management is not very large, in fact, it is just to share the risk. After all, don't put your eggs in one basket.

There is no best, only the most suitable, mainly depends on which platform and which type of financial products are more in line with your needs, risk appetite, liquidity and income goals!

For example, the current product "Sanxiang Bank Current", the income can be withdrawn in advance, deposited and withdrawn at any time, interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no trading day limit, no limit limit, 100% compensation within 500,000 yuan;

For example, the fixed-term bank wealth management product "Revitalization Smart Deposit", with an annualized rate of return of about it, is a bank deposit product, with 100% compensation within 500,000 yuan, which is suitable for stable and above investors;

There is no best, only the best for you.

Depending on the amount you choose, if it is stable, it is recommended to mortgage the mutual loan.

Popular Financial Advisor was first published in 1952 and republished in 2004. Machinery Industry Press, a magazine publishing company, is a professional publishing group with a history of 50 years, and has a well-known influence in China's publishing industry, and is one of the few major science and technology publishing houses. In the face of the needs of the booming personal finance market in China, in recent years, the Machinery Industry Press has launched a series of books and periodicals on personal finance, and has become a unique financial publishing institution.

The publication of the magazine "Public Financial Advisor" is a strategic measure of our company to serve the market, lead the market, and build a first-class financial publishing house in China, and form a development pattern of Hengchun book and magazine interaction and channel sharing.