How do post 80s workers manage their finances?

There is research on ** can be done** fixed investment, as for what to choose, it depends on your own judgment. If you want to be lazy, you don't need to pay attention to it. Suitable for people include migrant workers, office workers, moonlight people, lazy people, the advantage is that it is simple to save money.

The bank automatically deducts money every month, so that you can save some money every month without noticing. If you save 300 a month, it will be 3,600 yuan a year. Don't save because of the lack of money, and easily get out of the moonlight clan.

You don't have to think about when the price is highest and when it is the lowest each month. It's as convenient as saving money, and it won't affect long-term returns because of short-term fluctuations. There is no need to pay attention to the ups and downs of **, the real one does not need to be taken care of, and the lazy person manages money.

It is recommended to buy some life insurance and save some money for emergencies. The rest is a regular investment for buying. It's the experts who help you manage your money. **The minimum starting capital is 1,000 yuan, and the fixed investment starts from 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. It is best to choose the back-end payment for regular investment. I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Banks all implement the interest rate set by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest rate, and the early termination reduces the interest. If it is possible to use some of the funds in advance and want high interest, you may wish to deposit in batches and segments:

If you save a fixed amount of money every month for one year, you will have money every month after one year, and the interest is higher than that of a fixed one-year deposit. And so on.

Make a little go a long way! Housing prices are so high, prices are rising so high! Now they are saying that in a while, the price of vegetables will be more expensive than pork!

Make an investment!! People go to high places, water flows to low places!! If you are interested, you can try to make a **** investment!!

Don't find a way to save money, find a way to make money!

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."