What is a good way to manage money, and what is a good way to manage money

Hello friends, we manage our finances according to the theory of 1:1:1 to manage our finances, the first 1 to solve their daily expenses of food, clothing, housing and transportation, the second 1 can make fixed deposits, and the third 1 can consider investment and financial management.

First of all, it is necessary to clarify the purpose of financial management. That is, how to achieve a goal and result of financial management.

Secondly, given the financial conditions, such as the financial cycle, available funds, expected return value, and so on.

Third, according to the current economic conditions, individuals have simply combined: deposit + insurance + low-risk return wealth management products.

Deposit is a prerequisite in any case, but also a necessary condition, without deposit, it basically does not have the basis for investment and financial management. Insurance is an appropriate investment, mainly focusing on insurance protection, and the benefits are secondary, and the main purpose is to prevent damage caused by possible events in the future.

No matter what investment is risky, what we need to do is to control the risk, reduce the risk, and obtain greater benefits.

To make an investment, you must start with a small amount of money and gradually make a profit.

If you are interested, you can communicate with me and provide you with professional technical guidance.

Financial management can be done as a fixed investment.

First, the three links of financial management.

One center, three basic points: take money management as the center, save money as the starting point, generate money as the focus, and protect money as the guarantee.

1. Save money. Earn one and spend two all your life to be poor. It is mandatory to withdraw 10% of the money in the bank a month. Make a forced savings for yourself, and put 10% of your money directly in the bank after sending it, and if you don't take this step, you will never have money to spend.

2. Make money. The most popular investment method is P2P financial management, which is convenient and fast, with small risks, low investment threshold, and easy to get started. Of course, there are some other ways to make money, such as **, **, bonds, real estate, etc., you can combine your own asset status, investment preferences, anti-risk ability and other factors for comprehensive consideration.

3. Protect money. There are unforeseen circumstances, and no one knows what will happen, so it is necessary to buy insurance for Yan Xiangbi himself, insurance is an important means of financial management, but not all. Making money is like digging a well to feed your reservoir with a steady stream of water, but it's not enough to just dig a well, you have to build a dam for the reservoir – accidents, hospitalizations, serious illnesses.

2. How much money can start financial management.

Money's temperament: You don't love me, I don't love you. I don't care how much, I save 100 yuan a month to buy **, and save from 20 to 60 years old, which is 637,800 yuan; 30-year-old to 60-year-old, is 220,000; Deposit from the age of 40, 70,000; 50 years old, 20,000.

Money is a long-distance running champion, and financial management must start from a young age.

3. How to allocate assets?

The reservoir for individuals should be divided into three parts.

The first amount, emergency money: living expenses for 6 months to a year.

Deposit bank, current, fixed, or money market**.

The second part, life-saving money: living expenses for three to five years.

Fixed deposits, treasury bonds, commercial endowment insurance. It should be something that will protect the principal and not lose money, but only more and not less.

The third part, spare money: money that is not used for five to ten years.

Only this kind of money can be used to buy, buy, or open a business with friends to make this kind of investment, so it must be spare money.

Investment and wealth management refers to the rational arrangement of funds, the use of investment and wealth management tools such as savings, bank wealth management products and other investment and wealth management tools to manage and distribute the assets of individuals, families, enterprises and institutions, to achieve the purpose of maintaining and increasing value, so as to accelerate the growth of assets.

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.

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.

Depending on your own situation, such as risk appetite, life development stage, etc., of course, if you are troublesome, you can do one.

In addition to the familiar Yue Bao, what other good investment methods can you choose? However, today, the 7-day annualized rate of return of the Internet baby wealth management product represented by Yu Yu Bao has fallen to 4

Nearby, the high-yield limelight of Yu'e Bao seems to be difficult to sustain at present. The security of bill wealth management is similar to that of the currency represented by Yu Yu Bao, and the bill treasure has launched a high-yield bill wealth management product with an interest rate of 7%-10%, which has attracted the majority of investors to participate in investment.

Consult a professional, choose a financial management method that suits you, and choose rationally!

1.Deposits: Deposit idle funds in banks or other financial institutions for interest income.

2.Investment: Buy or receive capital appreciation and dividend income through market fluctuations.

3.Insurance: Buy insurance products that are right for you to cover unexpected risks and health risks.

4.P2P Wealth Management: Invest in P2P lending through the Internet platform to obtain interest rate returns higher than bank deposits.

5.Rental Investment: Buying a property and renting it out for rental income and asset appreciation.

6.Trust investment: Invest in trust products through trust companies and other professional institutions to obtain fixed income or capital appreciation income.

7.Investment: Buying, buying products to protect against inflation and financial risks.

The above are some common financial management methods, but each method has its advantages, disadvantages and risks, investors should choose according to their own risk appetite and capital status, and pay attention to risk control. It is recommended that investors should understand the relevant knowledge and laws and regulations before managing their finances, and choose formal investment channels and institutions for investment.

There are risks in financial management, and you need to be cautious in investment!

To invest in a wealth management product, it depends on whether the company is reliable and whether the product conforms to the investment logic.

Make a decision based on returns, risks and liquidity!