Personal Finance Questions 10, Personal Finance Questions

First of all, divide the 10,000 yuan into three parts, 5,000 yuan each, respectively, for a fixed period of 5 years, 3 years, 1 year, and then open an account in the bank, buy a fixed investment, invest 400 yuan or 200 yuan per month, if you invest 400 yuan, buy 2 **, each 200 yuan per month, you can choose a **type, and then choose a other type, you can consult the bank's financial planner, if you invest 200 yuan a month, then you are saving 200 yuan in cash every month, in order to stick to it every month, You can open a fraction of the savings of the whole book, you can save every month, you can withdraw immediately when there is an emergency, usually if there is a balance can also survive, if self-control is good, you can consider opening a credit card that can be overdrawn, considering that the income is not high, so the overdraft limit of the credit card should not be too high, the overdraft limit is controlled within 3000-5000 yuan, but in the process of use to be sensible, due must be paid off, make full use of the 56-day interest-free period, so that you can not only ensure the quality of life but also have enough capital turnover, It is also possible to save money.

Let's talk about my financial management methods, I hope it will be useful to you, they are all practical experience. Set aside contingencies first, and split the rest of the money into three or two parts. Buy fixed-term,**, insurance.

Not recommended**, too risky, involving too much energy. It's up to you to decide how you want to divide it. Regular security, less benefits.

**There is a certain risk, it is best to buy**plus bond portfolio**, buy from the bank, regularly transfer money from the account, the income depends on your vision. Insurance is a must-buy, there are many kinds, life insurance, participating insurance, etc., and your insurance salesman will definitely have more than I said. Hehe.

It's a bit of a hassle, but it's done once and for all. Good luck with that

Between the working people, the next few years to buy a house and get married, now is the primitive accumulation period, the body is also very important, half of the situation left in the hand of 10,000 * emergency cash, 10,000 * yuan to buy savings insurance, so that it is stronger than the bank to have insurance, the rest to invest! Investment channels are**, warrants, options, **, **, **, **, foreign exchange is very right!

If you can't lose, you can deposit it in the bank for a fixed time, because the income is inversely proportional to the stability.

Focus on the bottom line of your personal assets

Every quarter, for a listed company, in the financial statements with a lot of data, the most concerned is undoubtedly the net income of the enterprise, and for a company, net income is its bottom line. For individuals, net worth is the bottom line by which we measure personal wealth. What is Net Worth?

To put it simply, the net worth of an individual is obtained by subtracting all of an individual's liabilities. If this number is negative, it should be brought to our attention, and some analysts believe that the status of an individual's net worth should be checked at least once a year.

Learn to check "cash flow".

Although the outside world is often most concerned about a company's stock price, for a company's CEO, they are most concerned about the company's cash flow, that is, how much money flows in or out. For us, managing our day-to-day spending is also a way to increase our earnings. What expenses are necessary in the long term?

Which ones are to satisfy the impulse? If you can't open source, throttling is also a good consumption habit.

Manage your money effectively at hand

In order to ensure the operational efficiency of the company, the CEO of each company will regularly review the operation status, cut unnecessary expenses, and ensure that the company's resources can be used to the maximum extent. In order to do this, some companies regularly negotiate with the best discounts they can get. In everyday life, the most skilled bargainers often get the best discounts.

This applies not only to day-to-day expenses, but also to fees and other transaction fees that may be incurred during the investment process, and even penalties due to credit card non-payment on time, which can add up to a significant expense over time.

Plan for the long term for yourself

When many people reach their old age, they think that only fixed income investments are best for them, and this practice is obviously outdated. In order to better preserve the value of your assets, you need to be more active in managing the money you have and sometimes even taking on more investment risk. As one of the financial goals, the ability to outperform inflation is often an important criterion for us to measure investment returns, and low-risk, low-yield fixed-income investments obviously cannot meet this need.

This also means that we need to invest our money appropriately in products with higher yields, such as **, bonds, **.

Choose the right metrics

Everyone's financial goals are different, and blindly following the herd often does more harm than good, just like Apple doesn't compare itself to McDonald's. When we try to compare ourselves with others, we tend to ignore the fact that others may be in a different situation than we are.

Learn to use a written certificate

Until now, no CEO of a company has decided on a business with a handshake, and they will definitely choose to sign a contract with the other party in writing. Whether we want to lend money to relatives around us or invest in a friend's company, a written certificate can help us reduce a lot of misunderstandings and save a lot of trouble in the future.

Because of inflation and asset depreciation, it is necessary to ensure the preservation and appreciation of assets through financial management.

Financial management is a person's management of financial resources in order to achieve their life goals, including cash planning, investment planning, risk management and insurance planning.

Learning personal finance is actually very important, if you know how to manage money. Then you will invest yourself and be able to earn a little pocket money for a year.

1. You must know whether you will continue to be idle for a long time;

2. If the above premise is established, it is recommended to do bank wealth management products, such as principal-guaranteed varieties, and now many banks' wealth management products have a return of about 4-6%, although the income is not too high, but it can meet your requirements for capital protection;

3. If the first article is not certain, it is recommended to do currency **, there is no problem with capital preservation, but the income will not be too high, close to the bank fixed deposit interest rate, but the advantage is better in liquidity.

If the money is not enough, if there is 3w3, you can buy **, we take the risk for you, 9% guaranteed return.

Don't do foreign exchange investments, the risk is very high, your 10,000 yuan can't bear the fluctuations in it.

And there are too many such ** companies.

I specialize in a regular platform, and I have a better understanding of this market, 10,000 yuan, don't do ** and foreign exchange, and you will blow up your position if you fluctuate casually, and you will only lose a few dozen dollars. . . Even the hands. If a large amount of money can bear the risk, it is still very profitable to do this, and if you do it well, it is no problem to multiply it several times a year, but now the problem is that you have a small capital and can't afford it at all.

It is recommended that you wait for the opportunity to buy**, buy**, **company's listing**, **company's own **increase is several times. And now ** is not a high point, so you can wait for almost a dip to buy a point, without doubling and not coming out.

Personal finance refers to establishing a reasonable personal financial plan based on your financial situation and participating in investment activities appropriately. The investment of personal finance includes: **, **, national debt, savings and other eight contents.

What are the issues that need to be paid attention to in personal finance? No matter what kind of financial management it is! Specifically, the following aspects should be done:

1. Learn to throttle. Salary is limited, unnecessary money to save, as long as you save, you can still save a considerable amount of income a year, this is the first step in financial management.

2. Do a good job of open source. If we have surplus money, we must use it rationally to maintain and increase its value and make it generate greater returns.

3. Be good at planning. The purpose of financial management is not to make a lot of money, but to make the future life secure or better (so financial management is not only the business of the rich, the working class also needs financial management), and it is important to be good at planning for your future needs.

4. Reasonably arrange the capital structure and seek a balance between actual consumption and future income, which can be entrusted to professionals to design for reference.

5. Consider the rate of return according to your own needs and risk tolerance. A high-yield financial plan is not necessarily a good plan, but a plan that suits you is a good plan, because the higher the yield, the greater the risk. The plan that suits you is the one that can achieve the desired purpose with the least risk, and don't blindly choose the plan with the highest rate of return.