Advice on financial management 30, advice on financial management

Beijing TV Finance Channel, micro-finance, financial management, and wealth stories are all good primary financial management programs.

For beginners, bank wealth management products are a good choice, with little risk, but require an investment of more than 50,000 yuan. Recently, the bank has launched a new wealth management product - China Universal Wealth, which can be purchased from 1,000 yuan in 30 days, which is a wealth management product that can be participated in by all people. There are no subscription, subscription and redemption fees.

There are many ways to buy it, and it can be purchased by major banks and brokers. Specifically, you can go to the bank for consultation, I am also buying it myself, and the income is quite fast.

You can start with ** and RMB wealth management, pay attention to the four major banks**, and you can learn a lot of financial knowledge.

If you are looking for a steady income, you can also consider using bank deposits. My personal suggestion is that if you use currency** instead of a lump sum deposit, there will be a slightly higher return, and at the same time, it can also achieve the purpose of a lump sum deposit.

**、** Spot ** Risky financial management {all are risky} First of all, the higher the risk, the greater the return, and vice versa.

Risk-free wealth management bank: annual interest rate current, anytime access } Bank: annual interest rate maturity in one year}Treasury bonds:

Annual interest rate due semi-annual settlement} Treasury bonds: annual interest rate due annual payment} Trust: annual interest rate day maturity} Pan Asia Nonferrous Metals:

Annual interest rate, current settlement, daily settlement, access at any time} specific points can come in and see.

1.In the coming year, you're going to want to be more concerned about industry and company news. Whichever industry you currently work in, you can research the industry first.

Of course, if you have a strong interest in other industries, you can also start with it. 2.Open a demo account on any internet** platform, learn how to buy and sell**, feel the volatility**, and determine your risk tolerance.

3.Spend three months studying financial analysis courses to understand at least every sub-item in your company's annual report. 4.

After learning financial analysis, in your city, find a large ** company, go to the counter to open a ** account, pay attention to the investment adviser profile on the wall of the business outlet when opening an account, and select an investment consultant who has been in the industry for more than 5 years to guide your subsequent ** transactions. 5.In the trading software provided by the company, learn to query all kinds of basic information of listed companies, as well as the corresponding meanings of proper nouns.

You can start with your own company's industry, or a company with a simple enough business model. A simple company is one that has fewer employees and makes more money. For example, a hydropower station, as long as there is still flowing water in the river, it can generate electricity and make money, and the business model is easy to understand.

7.When you feel that companies with simple business models have understood enough to start paying attention to and researching companies with monopoly positions in the industry, that is, only they sell what you want to buy. 8.

There are graphs in any software, and there are charts in any graph, depicting averages over the past period, and pay more attention to those that are below historical averages. 9.There are risks.

Although I believe that it is only possible to truly learn value investment by buying and selling with real money, before entering the market, you must be psychologically prepared enough, and it is possible to lose all the money invested. 10.Of course, I highly encourage you to use your spare time to learn about Warren Buffett and value investing, but I don't encourage you to treat it as a career or take up too much time.

In the real financial world, professional people must do professional things. As a financial novice, if you are not ready to join the financial industry in the future, you can build your own value life if you are not ready to devote yourself to the financial industry in the future, you can use the way of brushing books to understand the general situation, and have the ability to configure the appropriate **.

1. The more money you have in your current account, the poorer you will become. Whether it is to buy fixed deposits, treasury bonds, **, wealth management products, any kind of low-risk investment is better than putting money in a current account.

2. The money deposited can be withdrawn in advance, but there is no interest in early withdrawal. Therefore, the current money exceeds your living expenses for a month, please do not hesitate to buy a fixed deposit immediately, and the interest after one year is also very considerable.

3. Don't use the installment payment and cash withdrawal function of the credit card, and don't listen to any propaganda of zero interest. With or without interest, there are high additional costs.

4. Start with small-risk financial products, and the first financial product you should not buy is **. Bonds** and treasury bonds are very low-risk investments, and the comprehensive income is much higher than that of fixed deposits when the annual rollover is good.

5. The way to avoid risks is not to only buy low-risk products, but to allocate different proportions to high-risk and low-risk wealth management products.

Financial management is a lifelong event like work, and financial management must bear risks, and if you do not manage your finances, you must also bear the risk of money depreciation. Money is not in a hurry, don't pursue overnight riches, there is nothing new under the sun, work hard, manage money seriously, work steadily, have a house and a car, and it is only a matter of time before you have a financial self-liquid.

Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different.

Tips: Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

1.Plan your budget carefully: Make a reasonable budget, don't let your expenses exceed your revenue, and save your spending.

2.Set up an emergency**: Set up an emergency** account to save for three to six months of living expenses in case you need it.

3.Eliminate high-interest debt: Eliminate high-interest debt, such as credit card debt, as much as possible to reduce the burden.

4.Diversify your investments: Don't put all your eggs in one basket, diversify your investments across different sectors and industries to reduce risk.

5.Plan for retirement: Start preparing for retirement early and invest in retirement plans such as 401(k), IRAs, etc.

6.Learn financial literacy: understand financial knowledge, such as how to understand **, **, bonds, etc., understand the risks and returns, and make smart investment decisions.

7.Insurance Protection: Buy the necessary insurance, such as medical insurance, car insurance, home insurance, etc., to cover unexpected risks.

In conclusion, understanding these financial knowledge can help us better manage our finances and achieve our financial goals while avoiding unnecessary risks and losses.

The phrase "if you don't manage your money, your money won't take care of you" is quite reasonable, and the money will only continue to depreciate when it is put in the bank, so a reasonable financial plan is necessary.

To put it bluntly, financial management is the process of managing personal assets well and making them grow. Financial management is not only about investing in financial products, but also learning to save money in life, saving money that is not necessary, and avoiding impulsive consumption. If you learn to save money, you can choose the right financial plan according to your personal risk tolerance and financial goals, and what suits you is the best.

Investment is risky, don't invest if you don't understand! But if you don't invest money, it will become less and less worthy, because of inflation!

For the general public who have no investment knowledge, ability and experience, and want to achieve capital preservation + low interest rate, I recommend choosing the following financial products:

1. Currency** This product has almost no risk The interest rate is generally 3% 4% Now the interest rate has dropped by >2% Such as Yu'e Bao and WeChat's change pass Jingdong Bank's bank selection interest rate is higher The interest rate of 3 years and 5 years can reach more than that.

2. The interest rate of bonds can generally reach 6% 7% However, bonds are risky and not guaranteed but the risk is not very large You can consider it if you have a certain risk tolerance Just, if there is a loss, put it and wait until the profit meets your requirements to redeem it.

3. Annuity insurance is compounded annualized rate now" However, it needs to be reminded that the actual interest rate on the contract shall prevail rather than the demo interest rate.

The above are several financial products that I know of that are low-risk, principal-protected, and can even outperform inflation, you can learn about them.

Personal advice for financial management: Don't invest blindly, and it's best not to touch financial products that you don't understand；Don't blindly pursue high returns, leave a few more choices to advance and retreat, and seek maximum returns in the case of capital preservation; In the process of investment and financial management, we continue to learn, accumulate experience, and strengthen risk tolerance.

When managing money, you must not be impulsive, you must keep a rational mind, you don't want to believe in the good things that fall from the sky, you must stay rational and not impulsive, so that you can manage your money better.

You can learn relevant knowledge, or you can sign up for a related course, so that we can have a particularly good financial management, and we can find a professional veteran.

Yes, when managing money, we can understand the products of wealth management, grasp the situation of financial management, and then choose the right financial products.

When choosing financial management, you should still choose some more reliable platforms, or you can buy financial products in the bank.