22 years of light family investment and financial management how to choose

It is recommended that you should first develop a habit of bookkeeping, and then open up sources and reduce expenditure, so that you can manage your money only if you have money.

Let's talk about my financial management methods, I hope it will be useful to you, they are all practical experience. Set aside your monthly living expenses first, and divide the excess into three or two parts. Buy fixed-term,**, insurance.

Not recommended**, too risky, involving too much energy. It's up to you to decide how you want to divide it. Regular security, less benefits.

**There is a certain risk, it is best to buy**plus bond portfolio**, buy from the bank, regularly transfer money from the account, the income depends on your vision. Insurance is a must-buy, there are many kinds, life insurance, participating insurance, etc., and your insurance salesman will definitely have more than I said. Hehe.

It's a bit of a hassle, but it's done once and for all. Good luck with that

**There is also a risk, under normal circumstances, it will be higher than the bank interest, but there are also times when it falls and even the principal cannot be reported.

Buying ** is indeed "expensive to insist".

It is possible to open an account with a bank without special requirements.

The Fuguo Tianyi and China Merchants Growth that I bought last year are quite good. The rankings are all in the top dozen. You can check it out online.

In my opinion, we must first save money, and then talk about how to manage money, and only when you have money can you manage money.

One is to deposit a few hundred yuan in the bank in the form of a small deposit and a lump sum every month, and a few thousand yuan in a year. The deposit bank is safe and stable, and there is also interest. The second is regular investment, but it cannot be said that you will be able to make money by buying, because regular investment is also risky, but if you want to hold it for a long time, the risk will be reduced a lot.

The minimum monthly investment is 200 yuan, and the monthly quota must be fixed regularly****. There are several ways to invest in regular investment**: one is to buy it at the bank counter, only a bank card is available, but the handling fee is higher.

The second is to buy on the online bank, the handling fee is six or eight percent off the counter handling fee, the third is to buy on the **company**, but also to open the online banking, the handling fee is lower than the online bank, and the fourth is to buy in the **company.

Regular investment**To choose the back-end fee**, in this way, there is no handling fee every month, but it must be held for the time specified by the **company before redeeming, and there is no fee. It is better to choose **type** for regular investment, because **type** fluctuates greatly and can amortize the cost.

You can deposit a fixed amount every month, which is mandatory and regular, and generally cannot be withdrawn. Regular investment** is also the same as the whole deposit and withdrawal, and it is also necessary to invest fixed funds every month to buy**, but **is unstable, rises quickly, and falls quickly, so both aspects are okay.

If you choose a good **, then log in to the **company**, after registration, look at the company's requirements to buy**, some companies are associated with the bank, see which banks the **company has opened, if you open the bank is just one of the banks associated with the **company, then you buy** on the **company**, the handling fee is more appropriate. In addition, if you want to invest regularly, you should choose one with back-end fees, so that there is no commission, but you must hold it for more than three to five years (for the time required by the company).

It's better to make some financial investments, but try to understand foreign exchange.

Financial management is the most fundamental thing, and the wealth that comes from not saving money is the most fundamental.

When the financial resources reach a certain level, let's talk about investment and financial management, okay?

I put my bank card with my mom after I went to work, because my mom saves a lot of money, and I hope he can help me save some money. Every month I take 2,000 yuan for living expenses, and I also ask my mom for advice when I buy things. Within two years, I had surpassed my peers in savings, so I think this method is still very effective.

You can prepare two different accounts, one for saving money and one for daily expenses. Reasonable use will not become a moonshine family, unless the salary is too low and the consumption is too high.

I think young people should put their salaries in some immovable property so that they can learn to manage their money.

Divide your salary into three parts: depositing in the bank, daily expenses, and investing spare money. Young people should develop a correct concept of consumption and learn to manage money, because every payment is hard-won.