How to manage the salary of 3,000 yuan per month?

Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are generally different. You can log in to the Ping An Pocket Bank APP-Wealth Management to learn more and make purchases.

Tips: Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

It is better to do some financial management when the monthly salary is deposited in the bank, and the wealth management link has a special salary financial management, which only needs to set the date of salary payment and the amount of money deposited to buy wealth management in advance. After maturity, you can automatically manage your finances. Generally, you can buy two or more types of wealth management.

You can set aside a part of your salary as daily expenses, and this part can be bought**, and this type of financial management can be withdrawn at any time. And it doesn't affect the previous earnings. There are also some people who are not in a hurry can choose long-term financial management, and the income will be higher.

Don't believe in regular investment**, that's a pit, it's good to buy some currency** or the gold treasure in the ant treasure.

If the monthly salaryman wants to get rid of the moonshine family, it is nothing more than to increase the value of his salary and do some financial management.

1. It is nothing more than a deposit bank, and the interest rates of major banks are similar, but there is no income if you want to pay for it. The term of the term is relatively long, generally three months, half a year, or one year.

2. The second way is to use wealth management through wealth management, which is a more diversified product. 1) You can choose ** financial management, which is as convenient as bank current and can be withdrawn at any time. However, the interest rate is slightly higher than that of the bank.

2) Fixed financial management, which is similar to the bank's fixed deposit, but the time is not so long, generally 1-3 months, and the income is still higher than that of the bank fixed deposit.

Salary wealth management refers to the regular deposit of wealth management connect every month, and the amount of deposit is set in advance, what wealth management products to buy, and there is time. It can be deposited automatically, so you don't have to worry about forgetting it.

The plan is as follows:

1. First of all, the reserve fund is about 10,000 yuan as a reserve, which can be used to buy currency, which can be fully utilized, and the currency has good liquidity and a short redemption time and can be reasonably used. (The interest rate is greater than that of demand deposits).

2. You can buy several ** including ** hybrid bond ** investment ratio in 50%** 40% hybrid** 10% bond ** (first understand the **type, allocate funds according to the plan and adjust it in a timely manner!) Proper management can increase your wealth).

3. The total income of 3000 per month minus the monthly expenditure is 1500 yuan, and the remaining funds are 1500 yuan! You can choose to invest regularly** You can choose 3 branches** It can be exponential** Hybrid** 400 yuan each for 18-30 years! It can be fully prepared for the future pension and children's education reserve.

There are 300 yuan left. You can buy insurance, it can be participating insurance, medical insurance or pension insurance! Approximate premium: about 100 yuan per month (accounting for 10%-20% of total income, you can compare and understand the type of insurance) The remaining 200 funds can be accumulated on a regular basis**200 yuan for long-term investment!

The rest can be saved for pocket money or travel expenses to travel regularly! (Funds can be combined with their own flexible planning).

1.First of all, open up sources and reduce expenditure, develop a good habit of saving money for a fixed period of time, and save at least 30% of your monthly income.

2.Learn to keep accounts, be clear about every expense, you will find a lot of unnecessary expenses, and try to refrain from waste in the future.

3.**Regular investment, choose a good one** Invest a few hundred yuan regularly every month, about ten years, there will be good returns.

4.Buy sickness and accident insurance to protect yourself and your family.

5.After having a certain amount of savings, learn to invest, and buy treasury bonds is both safe and higher than the regular interest rate of the bank. Bank wealth management products are also a good choice, with a minimum starting point of 50,000 yuan.

6.The anti-inflation performance of the physical product is relatively strong, and the price is very high now, so I will intervene in the future to earn the difference.

7.The capital investment of property speculation is large, and professional knowledge is required, and stable friends are not suitable for investment.

The above is just a personal opinion, for reference, I hope you are satisfied.

Eliminate basic expenses, set aside 30% for financial management, and ask a professional how to invest 30% of your money.

As long as you stick to the three principles, I believe that in a few years, you will also be one of the millionaires. The three principles are: save first, then consume, and save 30% of your salary income every month; Insist on investing every year, assuming an annual return of more than 10%; Persist every year, up to more than 10 years.

My suggestion, FYI:

1.Since you are 3,000 yuan per month, it is recommended that you save at least 1,000 per month in ** or ** index** fixed investment, which will not move. In a few years, you will have a great harvest.

2.Your remaining 2000 is recommended that you **fixed currency**, and at the same time you open a credit card, usually use a credit card for consumption (there can be an interest-free period of 20 days and 50 days). In this way, your salary of 2,000 yuan will be charged interest on the currency** (higher than the bank's regular interest rate), and the currency** will be redeemed to repay the credit card before the credit card repayment date.

In this way, you will receive ** interest for nothing, and the credit card is interest-free. Why not.

3.The 10,000 yuan you have in hand is recommended for a one-time investment (it is recommended to invest in the index**); Another 5,000 recommended investment currency** for emergency needs (can be deposited and go, enjoy slightly higher bank fixed interest rate, tax free, no handling fee).

4.Since you don't know much about ** or financial management, it is recommended that you do not touch **, the risk is too great.

Bank savings rates are too small and illiquid.

5.In the future, as you have more money, it is also necessary to pay attention to investment insurance.