Friends who know how to manage money, please advise!

My advice to you is that you should value learning knowledge and gain experience in practice, and you will gain wealth. But if you're thinking about getting rich quick or being richer than I am, it's good to think that you'll lose out in moderation and competition, but your real goal on the financial road is just or for a better one.

Investors who are well-versed in financial literacy have other ideas that are stupid and risky.

You should be a creative investor. 1.Look for opportunities that others overlook. 2.Learn to increase funding 3Take advantage of savvy people (rich people don't buy **, they sell**.) ）

The seller is the central person, and the buyer is an outsider, so the seller makes a lot of money, while the buyer takes risks.

For your principal, if you want an annual return of 15%, that's a profit of 4,500 yuan. To achieve such a return on income, you only need to buy a good one with a low risk compared to **.

If the annual rate of return reaches 20%, you can get a benefit of 6,000 yuan, and I will design a comprehensive financial portfolio for you: half buy treasury bonds, a quarter buy ****, and only a quarter buy **.

The investment behavior of buying all lottery tickets,Often only suitable for young people,There are people like you,A small broad.

So if you're 20 or 30 years old, you can start from scratch. If you're 40 or 50, I recommend you buy Treasury bonds.

You can also find a good ** project, but pay attention to a few points:1. Select a new product for **2. Choose products that are unique**. 3. Choose a reliable product**.

First of all, you have to understand what your 30,000 savings will be used for after financial management.

For the elderly, you can buy commercial endowment insurance, with a long investment period, small income but capital preservation or medium and long-term capital preservation wealth management products sold by banks;

For their own expansion of operations, you can choose to have a certain investment risk and also have a corresponding return on investment **investment, at present you can buy almost all open ** in the bank, like to make money quickly can choose **type** (the risk is also big), like the stable can choose the hybrid **, bond type**, the income is also OK, the investment period is not limited, you need money to redeem.

It is recommended to directly choose endowment insurance to manage your finances.

<> "Three Misunderstandings of Financial Management.

Myth 1: Li Xun ruler wealth is a matter for rich people.

I think this should be the most common mistake that most people fall into, always think that financial management is a matter of rich people, but in fact, on the contrary, the more you have no money, the more you have to manage money.

The reason why the poor are poor is because of the limitation of thinking, I have no money, how can I manage my money.

And the rich are, I don't have any money, so I have to manage my finances and find a way to borrow money to make money. Senwang.

Therefore, the poorer the poor, the richer the rich. You don't manage your money, you don't care about it.

The biggest difference between the poor and the rich is the different way of thinking about wealth.

Myth 2: Saving is financial management.

Many people think that financial management is saving, but in fact, this view is one-sided.

As the saying goes, open source and reduce expenditure, open source comes first, so open source is the top priority, and money is king.

Saving money is not the same as financial management, the essence of financial management is to make a reasonable distribution of one's wealth, saving money is only the first step of financial management.

Myth 3: Managing money is saving money.

Saving money is the habit of Chinese people, so most people are often accustomed to thinking that financial management is saving money.

As the saying goes, "If you have food in your hand, you don't panic in your heart", and you think that you can only feel safe when you save your money and put it in the bank.

But it's a bit of a shame to let your money lie in the bank and sleep, even though the bank will give you some interest.