I have 40,000 RMB, how can I manage my finances

It is better to invest, and now the interest rate of treasury bonds is about the same as bank deposits, and the risk is too great.

What is Investment**.

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The so-called investment is a kind of benefit-sharing, risk-sharing collective investment system, which through the issuance, concentration of investors' funds, entrusted to the custodian, managed by the manager, mainly invested in the investment, bonds and other financial instruments. In layman's terms, it is "everyone pools money to buy**, shares blessings and difficulties".

The basic function of investment is to gather the funds of many investors, manage them by specialized investment institutions, and use them by analysis experts and investment experts, and diversify the funds into a specific asset portfolio according to the set investment objectives, and the investment income belongs to the original investors.

On November 14, 1997, China promulgated the Interim Measures for the Administration of Investment (hereinafter referred to as the "Measures") by the ***** Commission. According to the "Measures", China can set up two types: open and closed. Closed-end refers to the total amount of issuance determined in advance, the total number of units remains unchanged during the closed period, and investors can transfer and trade through the exchange after listing, and its **, like other listings, will rise at a premium or discount to its net asset value.

The open-ended ** means that the total amount of issuance is not fixed, when the investor ** will increase, when the redemption will decrease, the investor can subscribe or redeem according to the ** in the business premises specified by the state. At present, those listed on the Shenzhen and Shanghai stock exchanges are closed**.

The Measures stipulate that the proportion of a ** investment in ** bonds shall not be less than 80 of the total asset value of the **; A person who holds a listed company shall not exceed 10 of the net asset value of the company; ** Do not hype each other; The proportion of a ** invested in state bonds shall not be less than 20% of the net asset value of the **; Open** must maintain sufficient cash or state bonds to cover the ransom payment; Income distribution shall be in the form of cash, at least once a year, and the distribution ratio shall not be less than 90% of the net income. Because the investment is operated by investment experts and analysis experts, the returns are generally higher.

In 91 years, the return rate of Hong Kong **** was 30 in the United States and 30 in Australia. According to the situation in China, the rate of return on investment in China will also be good.

This year's earnings are not very good.

The state has introduced policies to stop it.

Depending on your risk tolerance, you can choose from small to large Treasury bonds.

If you're willing to invest for the long term, consider Allianz's flexible financial insurance, with a 10-year tenor: compound interest per annum.

Interested in contacting me.

I always read the newspaper that there is an investment**, please ask, what kind of financial management is this.

Summary. Investors can manage their wealth through the following methods: 1. Before managing money, investors should be clear about their risk tolerance, for those stable investors with low risk tolerance, they can choose low-risk financial products, and for those aggressive investors with higher risk tolerance, they can choose medium-high risk financial products.

2. Diversify investment, don't put your eggs in one basket, that is, when investors buy wealth management products, don't just buy one wealth management product, try to choose three or more wealth management products to diversify risks. For example, the funds are diversified into large-amount certificates of deposit, in which the corresponding bank deposits have higher returns, and the risk ratio is lower, investors can buy a certain amount of money, or make regular investments to increase returns; **It is a product with both income and risk, but in general, residents control **, and long-term investment can obtain good returns, which is higher than the bank's demand deposit interest rate to a certain extent; Large certificates of deposit are also a deposit product of banks, but compared with demand deposits, it will increase the deposit interest rate and can obtain good returns.

Hello dear, if the sedan has 64 million yuan, you can do financial management through **, or buy treasury bonds and other funds to do a good job in capital matching, etc., generally 4 percent for fixed annualized income, 3 percent for risk management of property silver chain products, and call pants 3 percent to see how you personally arrange.

Investors can manage their wealth through the following methods: 1. Before managing money, investors should be clear about their risk tolerance, for those stable investors with low risk tolerance, they can choose low-risk financial products, and for those aggressive investors with higher risk tolerance, they can choose medium-high risk financial products. 2. Diversify investment, don't put your eggs in one basket, that is, when investors buy wealth management products, don't just buy one wealth management product, try to choose three or more wealth management products to diversify risks.

For example, the funds are diversified into large-amount certificates of deposit, in which the corresponding bank deposits have higher returns and lower risk ratios. **It is a product with both income and risk, but in general, residents control **, and long-term investment can obtain good returns, which is higher than the bank's demand deposit interest rate to a certain extent; Large certificates of deposit are also a deposit product of banks, but compared with demand deposits, it will increase the deposit interest rate and can obtain good returns.

I am a low-risk bearer, and what is the proportion of **, **, and large certificates of deposit?

Dear, if you are a young person**or**more, fixed deposit is suitable for older people, insurance is a must configuration, but not too much.

Not as old as 46 years old.

Dear, it is recommended that you use 4 percent for fixed annualized returns, 3 percent for risk financial products, and 3 percent for your own personal arrangement.

Oh, got it, thanks.

There is no absolutely correct model and way of financial management, you need to share the following asset allocation chart for reference according to your family structure, financial situation, cognitive level, investment ability and risk tolerance

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