I earn about 2,000 a month and want to invest in a financial product to save a little pocket money

You can go to 360 finance to see, **There are many small short-term financial products, you can manage your wealth for 1,000 yuan, and I also bought financial products on it, with a national income of 18%, which is also relatively safe.

Only when you have grown, understood and learned, made a good arrangement of the proportion of your investment portfolio, and increased your value on the premise of capital preservation can you really manage your finances. It's easy to think about what products to invest in.

Wealth management products generally seem to start at 50,000.

You can use some online banking, such as Yue Bao, Wealth Management Connect and the like.

Yu Yu Bao suggests that the interest of other banks' wealth management products of 2000 yuan is very small, and it is not as much as Yu Bao, but I suggest that you can enter some small things in Ali and practice stalls, so that you can gain something and accumulate some small experience Earn even pocket money! If you manage your money, hehe, it's a little less.

The monthly income is 2,000 ......It is recommended not to manage your finances and save Yue Bao.

It's too little, I don't even have enough to spend.

There are many different types of situations, depending on your situation

If you live in your own house and don't have the pressure of rent, it's very easy to say that there should be a rental situation: if you rent a house at about 500, how can you calculate the cost of food, housing and living expenses to about 1300, not to buy clothes, phone bills, etc., that is to say, it is not easy for you to accumulate the remaining 500 yuan per month on average. So if it's a similar situation, you take a few hundred of it every month and put it into a card, although the money is very small, but you are not allowed to use the card until you have to; Then you can buy lottery tickets every month and add a little fun to your life.

In short, you don't have a lot of money, but you have to be clear-minded, how much you have to spend on your living expenses, how much you can have left on average each month, and you can divide the rest into several small parts.

In fact, the best way to manage your current income is to keep accounts and summarize.

How much does it cost per month? What are the annual incomes and large expenses?

Anyway, I've just started working and I'm still young, so I should be able to take some risks, right? Then make two or three ** regular investments. If you hold it for more than three years, you still have a good chance of making a profit.

It is recommended to consider one each of an index** (e.g., Harvest 300), a hybrid** (e.g., Galaxy Steady), and a theme** (e.g., Yiji Strategy).

**There are risks and investment should be cautious.

1.Bookkeeping: Take care of your monthly financial income and develop a good habit of bookkeeping, which can not only ensure normal living expenses, but also control impulsive shopping behaviors and save unnecessary expenses.

2.Card: It is recommended to apply for a debit card and an overdraftable credit card in the same bank, and then divide the monthly income into two parts, one part is used to buy currency** for emergency needs (the total amount is kept at about 2400 yuan, which is three to six times the average monthly expenditure), and the other part is used for regular savings or the purchase of wealth management products or **regular investment, and most of the daily consumption is overdrawn with a credit card.

The biggest advantage of this is that when you buy your income in currency**, you can get the corresponding income, and at the same time, your daily consumption will not be disturbed, and you can use the interest-free period of the credit card overdraft to get the income of buying currency**. After receiving the credit card bill every month, you can make an appointment to redeem the corresponding amount of ** repayment through online banking.

In this way, you can make a non-principal investment through overdraft, redemption at maturity, and repayment after repayment.

3.Insurance: It is recommended that you can pay about 500 yuan per year for yourself to purchase a personal accident insurance package.

4.The earlier you plan your finances, the easier it will be to achieve your goals. You can make a simpler planned budget for future goals.

For example, after 3 5 years, earn a full principal of 100,000 yuan to open a store, get married and have children after 5 years, raise children and educate about how much to invest, retire after 30 years of work, etc., for short- and medium-term goals, you can use the purchase of short-term bank products (such as ABC Ben Li & Fung products, treasury bonds, etc.), growth risk products (such as **, **, etc.) to build an effective investment portfolio, and for long-term goals, you can use ** regular investment method to prepare for future goals, such as children's education (200 yuan per month, term of 15 years) and pension ( $100 per month for a period of 30 years), etc.

Financial advice: When choosing a personal small investment wealth management product, you should understand your risk tolerance and choose the right financial product. In addition, while accumulating experience, investors should continue to learn new financial knowledge and improve their ability to invest and manage money. This is the premise of investment and financial management, no matter what kind of investment and financial management, there will be risks, so this aspect is well grasped, in order to maximize returns.

There are many ways of personal investment and wealth management in China Merchants Bank, such as: wealth management products, fixed periods, treasury bonds, **, etc., if you use our bank card to purchase, it is recommended that you can go to our bank outlets to consult the relevant advice of the wealth manager.