How can ordinary family online financial management achieve long term wealth appreciation

The landlord must have a plan for family financial management, and it must be combined with financial products such as current, fixed income, and insurance.

For example, you can purchase life insurance for your family members to ensure their personal safety and health.

When you carry out current financial management, you can keep a certain amount of bank deposits to deal with emergencies.

In addition, like the P2P and **, which are very popular now, are part of current financial management, and you must be cautious when choosing an online investment platform.

Large platforms such as Lufax and Qianlai.com have good returns, and the safety of funds is guaranteed, so you can still consider it.

I was able to find a lot of basic knowledge on the grid financial management I used before, but there are product recommendations, and I feel a bit pitfall.

I now switch to an app called Zhicaidao, which can query financial product information by myself, including **, **, and this kind, as well as real-time updated news information, and can grasp the latest market developments.

The most important thing is that there are no advertising promotions... Objective and neutral.

Fixed income wealth management generally refers to fixed-income wealth management products such as treasury bonds, corporate bonds, and time deposits, which are generally safe and secure, but have a long term and low returns.

It's still very good to choose micro-finance.

Try the Times Express.

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you open the homepage of China Merchants Bank and click **Customer Service for further consultation.

Life must be happy, don't make the gold bottle empty to the moon.

Find out if my family's financial planning is sound? "How do I manage my family?" "How can family assets increase steadily?

Is there a product with a higher interest rate and lower risk than a bank deposit? "All of a sudden, there were more and more questions like this, and more and more people wanted to know what could be done. In general, investors are looking for a steady increase in household assets.

In order to achieve stable appreciation of family assets, financial planners said that they should adopt a "portfolio investment" strategy to diversify risks and maximize the expected annualized expected returns. In addition, when family financial management is a portfolio investment, it also needs to have three "magic weapons", which must be able to use:

One of the "magic weapons" of the family: a liquid financial management tool

Characteristics of "magic weapon": the principal is guaranteed, the liquidity is strong, and the funds are withdrawn flexibly, but the expected annualized expected return is low.

Liquid wealth management tools, including demand deposits, bank fixed deposits (3 months or half months), short-term treasury bonds (3 months, 6 months, 9 months and 12 months), money market**, call deposits (1 day call deposit and 7 day call deposit), Internet "baby products" (Yu Yu Bao, Wealth Management Connect, Baiyi), etc.

The second "magic weapon" of the family: a safe financial tool

The characteristics of "magic weapon": the principal is guaranteed, the expected annualized expected return is also guaranteed, and the expected annualized expected rate of return is medium, but the liquidity is not too good.

Wealth management tools with high security, including fixed deposits (1 year, 3 years and 5 years), short- and medium-term treasury bonds (3 years or 5 years), social endowment insurance, principal-guaranteed bank wealth management products, principal-guaranteed **, savings commercial endowment insurance, and even some financial institutions have fixed expected annualized expected return wealth management products, such as Yisheng Wealth Yishengbao products of a financial institution, with a historical expected annualized expected rate of return of 10% and 100% redemption in four years.

The third "magic weapon" of the family: risky financial management tools

Characteristics of "magic weapon": the principal may be lost, and the actual expected annualized expected return is not certain, but it is also possible to obtain a higher expected annualized return on investment.

Risky financial management tools, including foreign exchange, **, **, *** (gold, silver and platinum group metals), bank structured wealth management products, hedging**, real estate investment, non-principal-guaranteed bank wealth management products, art collections, investment-linked insurance, etc.

If you make good use of these three "magic weapons" in family financial management, your assets will definitely be able to increase steadily!

1. Comparison between "bank fixed deposit" and "regular investment" Any financial management method is risky, but the risk degree of each financial management variety is high and low. Bank savings are low-risk and easy to operate, and this kind of savings should be mainly short-term. Long-term savings are not cost-effective due to inflation, as the longer you save money, the greater the risk of depreciation.

Since the income of "fixed deposit" is far from enough, you can consider "regular investment", but when choosing financial products, you should focus on the investment direction of the product, and do not let a large amount of funds be idle.

2. Bit by bit collection, gathering sand into a tower In daily life, we should also pay attention to the collection of funds, and the scattered small money in life can be placed in the balance treasure, and you can receive higher interest income than the bank on a regular basis.

3. Take Internet financial management The income of Internet financial management is much higher than that of bank deposits and Yue Bao financial management, the focus is that the Internet financial management has a low starting threshold, flexible term, and convenient operation, and you can control the investment through your mobile phone to avoid the trouble of running back and forth to the bank. At present, the Internet financial management platform is relatively popular, and when choosing a financial management platform, it is necessary to carefully screen the platform, including the platform background, fund custody model, management team, capital protection model, etc. Carefully choose to invest in such a financial platform as ideal, in order to achieve wealth appreciation in a timely manner.

There are many Internet financial institutions and products, a wide variety of types, you had better understand more about some big platforms, don't care too much about the income in the early stage, focus on stability and security, according to personal risk tolerance and investment budget, try to buy short-term products, understand the characteristics of Internet financial products and income methods. Accumulate a certain amount of experience, and then combine and match the purchase of wealth management products to diversify risks.

The usual funds can be put into bank wealth management products, reliable online loan wealth management and other platforms, long-term and short-term collocation, so that over time, the income will be considerable.

Family financial management needs to be analyzed from the family's expenses, income, debts, balances, etc. And consider it in conjunction with long-term financial goals.

And financial management must first understand that investment can not be blind, no matter how to consider investment and financial management, we must understand the definition of investment and financial management, although there are many investment channels on the Internet, individuals can invest, it is also very convenient. But as a professional investor, I still have to advise you:

1. Investing, like doing other things, requires a clear goal: for example, buying a house within three years, or increasing income to a certain level within a year, etc. Once you've established your goals, you can start making a plan accordingly.

2. After having a clear goal, the second part is to evaluate your own financial situation, such as: whether you are in debt, whether your income is stable, whether there is a certain limit on the funds on hand, and whether your fixed income will increase in a long time.

3. After passing a more comprehensive assessment, determine a general financial management step and plan, and then carry out the selection of financial investment channels, collocation and follow-up capital matching operations. At the same time, it is also necessary to pay attention to whether it is necessary to learn the knowledge of research, so that you can follow the plan in the subsequent financial management process and achieve your financial goals.

4. Tips: If you can't make a reasonable plan for your overall financial management, simply investing in a single variety of financial management is not only inefficient, but also more likely to lead to huge risks. Not being able to put all your eggs in one basket is the most incisive way to manage your finances.

5. Individuals are also multi-variety to use their own money, covering insurance, insurance, etc., and it makes sense to make the most reasonable use of limited funds. Here can only be said briefly, specific to how everyone wants to plan, you can do more ** and communication with me.

Micro-business can grow with the baby and can be open source.