Ladies and gentlemen, I have 1,000 yuan of spare money every month, how can I manage my finances bet

Wealth Management - 6% currently

Alipay - At the moment, it is easy to be spent by your own shopping.

**Regular investment -- the income depends on the type, **open an account, and the handling fee is the lowest.

Buy some lottery tickets regularly and buy a hope.

How old are you, how strong is your risk tolerance, if you are middle-aged or have a lot of family pressure, you can choose to buy insurance, otherwise you can choose some risky financial products.

I think Yue Bao is the easiest and most convenient.

To do spot finance, you know a little technology, and it is very easy to make dozens of dollars every hour every night.

**Fixed investment, or directly made into Yue Bao, no matter what, depositing in the bank is the least cost-effective. Personally, I recommend Yue Bao.

Forehead.. If you want 1000 yuan, it is recommended to go to the bank decisively first, and put it in the balance treasure. Or see if the bank has this kind of small financial management.

When you have a certain amount of capital and enough 30,000 or 40,000 yuan, you can consider doing financial management.

The less risky ones are those financial management methods offered by banks.

The risk is larger, and the return is larger, foreign exchange, and a type of investment.

If you are interested, you can talk to me.

How good it is to deposit in the bank, and it is insured, and it eats interest.

In my suggestion, you can deposit 30% in the bank, 30% in Alipay, 30% in high-risk (such as **), and 10% of unexpected expenses may occur in the process of financial management.

<> first is to check the amount of money you have and calculate how much money you use will not cause trouble in your current life, and how much money you use will not affect you if you lose all of it.

Second, choose a product that best suits you to maximize returns after reasonably assessing the risks and returns among many financial management.

Third, set financial goals and do it in batches and plans. Of course, we can also operate with the 4321 investment rule.

40% of the funds are invested in varieties with large fluctuations and relatively high returns.

30% of the funds are put on food, clothing, housing and transportation to ensure their own livelihood.

Save 20% of your money in case you need it.

10% of the funds are put in an insurance policy, so be prepared for emergencies.

Of course, there are more conservative ways to manage your finances, as follows:

Assuming that there are 100,000 funds, it can be configured as follows:

50,000 yuan bank regular! Get Stable Interest!

40,000 yuan to buy structured products, or low-risk bank wealth management! Principal protection, or relative safety, appropriate winning, higher returns!

10,000 yuan to buy currency** or bonds**, open! It doubles as a reserve fund and can be used flexibly for consumption!

Analyze the advantages and disadvantages of depositing banks! The advantage is safety! As long as each household does not exceed 500,000, or 450,000 in combination with national conditions, basically the principal and interest are worry-free! The shortcomings are also obvious, and they can't beat prices....Some deposit varieties have high interest rates but longer cycles and higher thresholds

Take a look at the pros and cons of financial management! The term is moderate, the income is higher, the same term, the deposit interest! The threshold is low, from one yuan to 50,000 yuan optional....The shortcomings are very obvious, non-guaranteed floating income, can not be rigidly paid....

Therefore, it is a good choice to combine the two to obtain higher returns in a relatively safe situation!

Comprehensive analysis: financial management also needs to keep pace with the times! In the contemporary era of rapid social development, a variety of portfolio investment to ensure the safety of large funds, it is appropriate to take some income floating, or low risk of principal, to win higher returns, so that the funds in the safe, value preservation and appreciation of the more balanced, it is a good policy...

I think you can buy a house and rent it out, and then you will have an income.

If you have a little spare money and want to ensure a stable income every month through financial management, I recommend that you buy currency investments**.

Then you can choose the bank's principal and interest interest, and there will probably be about one income every month, and you can buy it in it.