How to invest and manage money, how to invest and manage money?

The main thing is to look at the amount of funds!

If the amount of funds is small and it is not to continue, then savings, **, insurance is the best choice!

If the amount of funds is 10w or so, you can pay attention to foreign exchange**, ** these investment projects!

These are virtual investments, the current domestic industrial investment environment is a little unbearable, small investment is now only clothing, catering these small cost industry investment, the cycle is long, not to mention the risk is big, how to say the profit, it is better to put a carpet than to say ugly!

If you have a lot of money to invest in some big projects, I don't know how much risk there is!

I am a ** investor, I hope this analysis can give LZ some help!

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

Investment and wealth management, investment and wealth management refers to the rational arrangement of funds, the use of such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and art and other investment and financial tools to manage and distribute the assets of individuals, families, enterprises and institutions, so as to achieve the purpose of maintaining and increasing value.

Investment and wealth management refers to the management and distribution of the assets of individuals, families, enterprises and institutions by investors through reasonable arrangement of funds, the use of investment and financial tools such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and artworks, so as to achieve the purpose of maintaining and increasing the value of assets.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

What we ordinary people should have when managing their finances.

Financial knowledge is mainly the following four points.

First, sort out your income and expenses, as well as your assets and liabilities.

By sorting out your income, expenditure, assets and liabilities, you can clearly know what stage you are in in terms of finance and financial management. How much principal can you invest, how much assets, and what liabilities need to be repaid. If a person doesn't even know the level of his own assets, then what kind of investment and financial management can he talk about?

So the first step is to take stock of assets and liabilities.

2. Understand your risk appetite.

Everyone's risk appetite and risk tolerance are different, some people are aggressive, and some people are conservative. People with different risk appetites are suitable for different financial management methods, and the risk tolerance of people of different ages is also different. People who are younger and do not have a family will have a stronger risk tolerance, because their ability to make money will become stronger and stronger.

3. Practical operation.

If you wait until you finish studying, like a hailstone, to invest and manage your finances, then you will not have a chance in your life, because you will not be able to finish learning at all. In addition, all learning is on paper, without practice, everything is empty talk. Practical operation is the most important thing, and you can enter it a little earlier.

When you have less knowledge, you can operate less and practice while learning. Some hands-on experience can also be used to verify that what you have learned is correct.

Fourth, risk awareness.

The last one is to be risk-aware. If you lack risk awareness, you are a gambler, not an investment and financial management. Investors should know the stop loss and have a calm mind.

There is no investor who has not lost money. The ** sold today fell by 2 yuan, and it may rise by 3 yuan tomorrow, if it falls by 2 yuan, you can't bear it, then you don't want to manage your finances.

Seriously, you can't give detailed and personalized financial advice just because there is so little information.

If there is too little information, there is no way to understand some personal situations, such as what your consumption structure is like, what your risk tolerance is, and what your risk appetite is