Personal finance hundreds of free money per month .

The so-called regular investment is the abbreviation of regular and fixed investment, which refers to the investment of a fixed amount (such as 10,000 yuan) in a fixed amount (such as 10,000 yuan) at a fixed time (such as the 8th of each month), similar to the bank's lump sum deposit and withdrawal method. **Regular investment is known as lazy financial management, and its value is due to a saying circulating on Wall Street: "It is more difficult to accurately step on the market than to catch a flying knife in the air."

If you adopt the batch ** method, you can overcome the defect of only choosing one time point to buy and sell, and you can balance the cost and make yourself invincible in the investment, that is, the fixed investment method.

Generally speaking, there are two types of investment, single investment and regular fixed amount. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

Compared with regular investment, the one-time investment return may be high, but the risk is also great. Ms. Liu, who has been making regular investments since the year before last, told reporters, "I now invest 1,000 yuan a month to leave for my 3-year-old daughter to do education**, so I pay more attention to stability and peace of mind, and I don't have to worry about putting money in." "Due to the avoidance of the influence of investors' subjective judgment on the timing of entering the market, the risk of regular investment is significantly reduced compared with **investment or **single investment chasing high and falling.

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Buy it, the kind of fixed investment. I'll just buy it

Make a ** regular investment, that risk is small. You can check the information on the Internet.

If you are insurance-conscious, you can consider investment-linked insurance (**regular investment + life insurance). As a reminder, don't save the most basic insurance (accident and critical illness insurance), be prepared!

It is recommended to buy accident insurance, accident medical insurance (the kind that can reimburse hospitalization expenses), and critical illness insurance. Then make an investment, in case of urgent use of money, it is recommended to buy insurance companies to protect the capital of the value-added type of financial products, urgent money can be loaned, the policy is still valid. In addition, the risk of investment-linked insurance is borne by the customer, and it is recommended to make long-term investment to avoid risks and obtain long-term returns.

Principal-guaranteed wealth management products guarantee basic dividends. Interested in chatting:

Of course, if you are insured, you will have no free money to buy, and if you are in a hurry, you will have no money, and it will take a long time.

It's not easy to open a ** C store now Tmall or Jingdong procedures are cumbersome, and you need registered capital or something, tens of thousands of you will definitely not be able to do it, it is recommended to choose other aspects!!

Now some workers with good wages will basically have 2,000 yuan of spare money every month, and if they are placed on the bank card current period, they basically can't make any money, so how to manage their money with 2,000 spare money every month? What is a good short-term financial management to buy? Relevant content has been prepared for everyone, so come and take a look if you are interested!

There are 2000 spare money per month has met the threshold of most financial management, generally speaking, financial management is more recommended to low-risk, you can consider more bank financial management, for example: risk level of R1, R2 bank wealth management products, generally in the financial details will be written, investors pay attention to the financial details.

Each bank will have its own financial products, so when choosing, some investors will be more entangled, in fact, they can choose bank wealth management according to their bank cards, first of all, to see what bank their bank card is, and then ** bank app, generally speaking, banks will have their own bank apps, ** after that, log in and register, and find financial products in financial management.

Take China Construction Bank as an example: Jianxinbao No. 1 wealth management product is a short-term wealth management, and the current expected seven-day annualized rate of return is worth noting that this is only expected, not the actual situation, and the seven-day annualized rate of return will change every day, which is only for reference.

From the perspective of income, this is good, the risk is relatively low, it belongs to the R1 risk level, the risk is very small, and it is also relatively flexible in terms of redemption, and it can be received on T+1 day, for example: redeem on Monday, and the funds can arrive on Tuesday.

Suggested scenario.

1. Deposit 1,000 yuan into the bank every month.

2. The bank's ** fixed investment is 1,000 yuan per month, and you can invest in two**, each with 500 yuan 3. Insurance products, 12,000 yuan per year.

4. You can invest in P2P financial management or Alipay.

First of all, do a good job of financial planning, you have to understand that people spend money all their lives, 1, living expenses 2, house and car expenses 3, child support and education expenses 4, children start a family and start a business expenses 5, pension expenses 6, emergency money.

Break down the 1,000 yuan spare money to prepare for these six major expenses

If you don't want to go to the baby class, P2P, look at the likes of Super Love Money, PP, etc., they are platforms that have been more than 4 years old, and they have experienced turmoil and are relatively stable, and the expected income of Super Love Money is higher.

Invest in Alipay, which is higher than the current interest rate, about 4Small table.

Please go to the bank to do the business of small deposit and withdrawal, the interest rate is not high, but after a year, there is an integer of 10,000 2, and the next year will be a whole deposit and withdrawal, and the income is okay!

Personal advice:

Take out 500 yuan as a fixed deposit, you can make 60 orders, or you can use treasury bonds instead as a supplement to the pension.

Adhere to the ** fixed investment of no 200 yuan, insist on 3-5 years, the longer the better, the other buy currencies**, accumulate a lot, and reach a certain amount of treasury bonds or bank wealth management products.

Depending on your age, is it married? Do you have children? High-risk needs are still local risks. What are the demands in recent years?

Compare the interest of Yue Bao and Tenpay, invest in insurance as you save, buy some insurance for a few hundred yuan a month, and how much return you can get after how many years, of course, you must choose the kind that can cancel the insurance at any time, otherwise you won't be able to use money in an emergency.

Buying fixed treasury bonds, the advantage is that it is completely safe, but there is not much interest before the time to take it out, but the current domestic market still gives up.

Wine and dine someone... Personally, I think this is a short- to medium-term investment, and the effect is more significant, I hope it will help you, thank you.