How to manage idle money, short term idle money, how to manage money?

1. Purchase the bank's own wealth management products, 90-180 days.

2. Purchase ** regular investment through the bank, and fix a certain amount of yuan every month.

3. The return rate of purchase of wealth management products launched by social investment companies is about 12%, and there is a certain risk.

There are many wealth management products, and now major banks have launched wealth management products, but generally speaking, the investment income is not very high, and the sealing period is long, but the bank's wealth management generally does not have any risks.

If you pursue high returns, you can go to the company, or financial institutions to consult, as far as I know, the company has a product called pledged repurchase with less risk, higher returns, no sealing period, and more flexible.

The thick lines are assigned as follows.

Allocate your funds appropriately:

1. Deposit. 2**Regular investment.

3. Monetary funds.

4 bonds. Reading some money books may be inspiring.

You can check it out.

1 The Bible of Financial Management, by Huang Peiyuan, Taiwan, China Business Press;

2 A Lifetime Financial Plan, by Wang Zaiquan, Peking University Press;

3 "The Babylonian Richman's Money Lesson," George. Klassen, translated by Bill Lee, Chinese Academy of Social Sciences Press;

4) "100% Financial Quotient, Common Sense and Rules of Personal Finance and Wealth", Sima Changchuan, China Archives Publishing House.

These books are easy to understand and have a clear point of view, and they are also good financial management primers for financial practitioners.

Small investment, small risk, just look for electronic spot of agricultural products, sufficient.

Make good use of every penny of your money.

To give you a practical method, that is the reverse repo operation. At the end of the year, banks are often short of money, and banks use treasury bonds as collateral. We lend money to the bank for reverse repo, and the annualized rate of return of reverse repo can even exceed 10!

Reverse repo is an artifact of idle money management.

If you have a certain amount of spare money and need short-term financial management, you can consider the following methods:

1.Deposit Wealth Management: Deposit spare money in current or fixed deposits in the bank to obtain interest income. Fixed deposits are generally safer and have stable returns, but relatively speaking, the liquidity is not too high, so you need to consider your capital needs before choosing.

2.Currency**: Currency ** is a kind of short-term low-wind fiber insurance bond as the investment object**, with relatively high liquidity and security. Investors can earn a fixed income through Currency.

3.Short-term wealth management products: Short-term wealth management products generally have higher returns and better liquidity. However, it is necessary to pay attention to choosing formal financial institutions and wealth management products to understand the relevant risks and fees.

4.Bank wealth management products: Bank wealth management products are a kind of wealth management products that combine time deposits and investments, with relatively low risks and relatively stable returns. However, it is necessary to pay attention to the choice of formal banks and wealth management products.

In short, when choosing short-term wealth management products, it is necessary to comprehensively consider factors such as the product's returns, risks, liquidity, and fees, as well as personal risk tolerance and capital needs. At the same time, it is necessary to choose formal financial institutions and wealth management products to avoid fraud.

Suggestion 1: Now is not a good time to place long-term fixed income products, consider putting cash assets into low-risk and high-liquidity investment areas, such as bank short-term capital protected wealth management products, bonds and currencies**, fixed-term products with a maturity of less than one year, etc., and wait for the next investment opportunity to come.

Suggestion 2: Invest in ** sales code to maintain value. In terms of the current form, the international form is turbulent, and the cherry blossoms will rise.

It is recommended that the proportion of investment be 5 10% of the proportion of household assets. You can consider using 40 funds to buy a new **** with a three-month opening period, you may wish to be a shopkeeper, directly throw the investment decision-making power to a professional manager, and then the remaining 60 funds to make a one-year large investment plan, and gradually disperse to intervene in the market.

1. Bank deposits.

Bank deposits are divided into demand deposits and time deposits, the deposit interest rate of demand deposits is generally low, and even can not make up for the loss caused by its time value, the interest rate of time deposits is higher than that of demand deposits, and the low risk of bank wealth management is the choice of many conservative investors, plus the risk of bank wealth management is low.

2. Wealth management products.

Wealth management products not only include traditional bank wealth management products or Internet wealth management products, but also include investment in the investment market, bonds, and investment.

You can choose one or several of them and invest at the same time to diversify your risk. Learning to do asset allocation can obtain higher expected returns than deposit wealth management products, but it should be noted that these products have high expected returns and natural risks, so choose carefully.

3. Invest in yourself.

Investing in oneself means not to preserve and increase the value of funds, but to invest in an improvement of one's own abilities, and if there is enough time and energy to invest in hobbies or skills, the value generated may be higher.

In fact, how to manage idle funds needs to be chosen according to personal needs, according to personal circumstances, such as risk tolerance, time and energy, etc., it is best to choose the most suitable financial management method for yourself.

Tips: The above information is for reference only, if you have investment needs, Ping An Bank has launched a variety of wealth management products to meet the needs of investors, you can log in to Ping An Pocket Bank APP-Finance-Wealth Management to learn more and purchase.

For primary financial management, at the stage where the principal is relatively small, it is recommended to put it in Alipay's Yue Bao, WeChat Wealth Management, or Radar**'s US Dollar Treasure. It is highly secure and can be used at any time. If you want to make a profit by financial management, when you have accumulated experience and have a certain amount of principal, you can try other financial channels.

1.Set up emergency savings**: A savings account should be set up in a bank or other financial institution for emergencies, such as job loss or unexpected expenses.

2.Determine a budget: Create a monthly budget that lists income and expenses to better manage your funds.

3.Do a good job of financial planning: Don't just focus on immediate expenses, but also consider future financial needs, such as retirement funds, children's education**, etc.

4.Be cautious when borrowing: If you need to borrow, you should make sure you only borrow the amount you need and pay it off within the repayment period.

6.Avoid overspending: Don't give up long-term financial health for short-term pleasures, and overspending and unnecessary spending should be avoided.

7.Insurance is necessary: Buying health insurance, vehicle insurance, and home insurance can help people feel less financially stressed in the event of an accident.

8.Diversify your money: Instead of putting all your money into the same investment style, you should diversify your money to reduce risk.

1. Adhere to stable idle money management.

Wealth management investment is never a simple investment, buying, selling, the financial market is unpredictable, for low-risk, stable income of financial products we need to take out one-third of the income for long-term investment, in order to ensure the sustainable income of assets to a certain extent. Stable wealth management products include: regular savings, currency**, bonds, treasury bonds, etc.

2. Adhere to medium and long-term value investment financial management.

Medium and long-term value investment idle money management requires investors to do a good job of long-term asset planning to ensure that the money will not be used in a short period of time (within 1 year). You can choose to buy some lower valuations and less risky ones, such as insurance stocks, traditional food stocks, etc., or choose to buy one** or index** for regular investment.

This type of value-based investment product is not too risky and can also make considerable returns over time.

3. Small risky investment.

Small amount of risky investment can choose some market prospects to develop good science and technology enterprises for venture capital, this part of the spare money investment return is relatively large, the same risk is also great, investors need to have a certain risk tolerance, and be prepared for failure. Otherwise, the loss of this part of the investment will bring you a lot of mental pressure, and the gains outweigh the losses.

If you have a large amount of money, you can buy a house, and if you have a small amount of money, you can find a safe place to manage your finances.

Do you do the bun goods, there is a picture.