2012 Moonlight Clan s best financial management method

Landlord, the method of financial management is actually for office workers, the risk of investing with every month's salary is still quite large, you might as well save slowly, and then consider the investment after a certain amount of accumulation. But this is not to say that you can't invest if you have less money, you can still do it, people who are very interested in investing can first calculate the idle funds that can be saved every month, 200 yuan, 300 yuan, 500 yuan or 1000 yuan per month can participate. The volatile and riskier type is more suitable for regular investment, and its long-term rate of return is better than other types with lower risk.

If you plan to invest regularly for more than 5 years to 10 years or 20 years, you may wish to choose a more volatile **; If the investment plan is within 5 years, you can also consider choosing a type with relatively stable performance, Huaxia has a boutique ** recommendation, I think it is quite suitable for novices.

The 12-deposit certificate method, that is, a savings and investment strategy that deposits a deposit in the bank for a fixed period of one year every month, adheres to a full 12 months, and will obtain a large amount of regular income every month from the first month of the following year, which has both the two outstanding advantages of flexible access and high returns.

Withdraw 10% of your salary income every month and 15% to make a fixed deposit slip, and don't leave the money directly in the salary account, because the salary account is generally a demand deposit with a very low interest rate, and if a large amount of salary is left in it, you will lose an income virtually. The term of the monthly fixed deposit certificate can be set to one year, and if you do this every month, you will have 12 one-year fixed deposit certificates over the course of a year. From the second year onwards, a certificate of deposit will mature every month, and if there is an urgent need, it can be used without losing interest on the deposit; Of course, if there is no urgency, these certificates of deposit can be automatically renewed, and from the second year onwards, the money to be deposited each month can be added to the deposit certificate due in the current month, continue to roll over the deposit, and add the money to be deposited in the current month to the deposit certificate due in the current month every month, and make a new deposit certificate.

I think for the moonshine people, the best way to manage money is to keep accounts.

Know where you spend every money, and have a settlement and summary every month.

Developing good bookkeeping habits will also save us a lot of money.

Set a goal for yourself, save a small amount of money every month, and save slowly. It can be deposited and withdrawn in a lump sum at the bank, or it can be invested**.

Start with small things, such as learning to keep accounts, and then reasonably distribute the surplus of each month, and make some regular investments and other comparative insurance.

Fractional deposit is a fixed monthly deposit, generally 5 yuan deposit, the deposit period is divided into one year, three years, five years, the deposit amount is determined by the depositor, deposited once a month, and the principal and interest are withdrawn at maturity, and the interest calculation method is consistent with the interest calculation method of the lump sum fixed savings deposit. If there is any missing deposit in the middle of the process, it should be made up in the next month, and if it is not replenished, the interest will be calculated according to the actual deposit amount and the actual deposit period when it is withdrawn at maturity, and the current interest rate announced by the People's Bank of China on the date of withdrawal.

Fractional deposit can be said to be a method of compulsory deposit, a fixed deposit of the same amount of money every month, and those who want not to be a "moonlight clan" can develop a good habit of "throttling" through this method. Quasi-Savings Currency**: Savings on demand.

The so-called currency ** is an open-ended financial product that mainly invests in central bank bills, book-entry treasury bonds, financial bonds, agreement deposits and other stable financial products, because it does not have subscription and redemption fees like other open-ended**, so investors can treat it as "current savings", and buy and redeem at any time, it generally takes 2 to 3 working days from the issuance of redemption instructions to the withdrawal of cash.

Regular Quota Subscription**.

Regular Quota Subscription** is a great way for salaried people to achieve their goal of compulsory savings. The number of various open-ended ** companies that have been listed has reached hundreds, and their main issuance channel is banks. Then, salarymen who often patronize the bank may wish to choose a certain ** that they sell, sign an agreement with the bank to agree on the monthly deduction amount, and then the bank will deduct the agreed amount from your capital account every month and transfer it to the **account to complete the subscription**.

This method is conducive to risk diversification and long-term stable value-added. This kind of investment method, you don't have to master too much professional knowledge, you don't have to bother to choose the time to buy, just be patient and insist on holding it for a long time, and under normal circumstances, the income of regular investment will be higher than the interest of the whole deposit. Because of this, it is even a good option for salarymen to save for their children's education or plan for a pension.

Buy ** regularly and in a fixed amount, and choose which ** is particularly important. Generally speaking, this investment method is suitable for **type ** or partial ** hybrid**, and the important criterion for selection is to see its long-term profitability.

Method 1: Bank fixed deposit, characteristics: low risk, low return.

Method 2: Monetary funds, all kinds of treasures.

Features: no threshold, low risk, higher return than fixed deposit.

Method 3: Bank wealth management products.

Features: Low risk, higher return than fixed deposit.

Method 4: Bonds, Treasury bonds.

Characteristics: low risk and low return.

Method 5: **, **.

Features: high risk and high return.

Method 6: **Regular investment.

Features: high risk and high return.

Method 7: Credit.

Features: high risk and high return.

Method 8: P2P online lending (Renren Loan, Lufax, Weijinhui) Features: high risk and high return.