No Deposit People who are stress free ask for help in creating a detailed financial plan

If you believe in insurance, you can buy one. But I still don't recommend you to buy it. It is easy for people to buy insurance with money, but it is difficult to get out. If you don't need anything for the time being, you can go to the bank to deposit 10,000 yuan first.

4,000 yuan, 1,700 yuan for housing loans, and 2,300 yuan.

If you go to get a card, any bank can do it, and then you will deposit 1,000 yuan immediately every month after removing the mortgage. Whatever the reason. 1000 yuan must be saved. It cannot be used unless it is absolutely necessary (very important things).

Then there is 1,300 yuan, which is your living expenses, but you also have to stipulate that you can only use 1,000 yuan a month, and the remaining 300 yuan to buy some socks, daily necessities and other small items. Anyway, no matter how you use it, you can't spend what you save, and you can't exceed the regulations. Sometimes there is some urgent need, and those who can't move try not to move.

You can borrow it from someone else.

If there are more, save them together next month. Remember that the minimum should not be less than 1,000 yuan, so that by the end of the year there will be at least 10,000 yuan. Then go to the recurring card and continue to deposit.

In two years, you will have more than 30,000 yuan, and you can start a small business or invest.

Persistence is victory.

Don't take out all your living expenses, it's quick when you have money in your hands. I'd rather run to the bank a few more times than let you have too much money on you. Just enough to buy groceries.

First of all, keep about 5,000 to 10,000 cash on hand, and then you can consider a ** fixed investment of 1,500 yuan per month, according to the compound interest of 1% per month, insist on two and a half years (assuming you want to get married before the age of 30) There is even principal with interest, which is enough to cope with marriage, and you can buy one or two collectibles and do a trip abroad at the end of the year. Consider purchasing travel accident insurance.

Hello, it is recommended that you can buy**, do**regular investment, the risk is relatively small, and the return is higher than that of depositing in the bank. It is a more suitable investment method for your current situation.

You can go directly to the bank wealth management counter to buy, and you can first follow the advice of the financial counter staff to buy some relatively low risk**.

**Regular investment is the abbreviation of regular fixed investment**, which refers to the investment of a fixed amount (such as 500 yuan) in a fixed amount (such as 500 yuan) at a fixed time (such as the 8th of each month), similar to the bank's lump sum deposit and withdrawal method. In this way, the investment can average the cost, diversify the risk, and is more suitable for long-term investment.

If you have just started buying, it is recommended that you start with a currency** or bond**, this risk index is relatively low, I hope it will help you, so that over time, your income will grow day by day.

If it helps you, oh, good luck!

If you have the courage, go to **, where there is risk, there is benefit.

If you have the will, open it**, persistence is victory.

20% of the monthly national fixed deposit salary is used for current financial management, and a good habit of financial management is developed first.

Just say a general direction, for reference only, specific products need you to screen cash (including cash, demand deposits, time deposits, currency**, etc., funds that can be realized anytime and anywhere) 10% 15% of total assets. This is a risk reserve, and you have to force yourself to do it.

10% of the annual after-tax income of insurance (can be insured for accidents, supplementary medical treatment, supplementary pension) 15% of the total assets of medium and high-risk investments (**, **bond**, ***t+d) - % of your age

The rest can buy bank wealth management products, trust products, collections, etc. according to their own risk appetite.

Set yourself a goal every year: aggressive strategies ask for returns? % Smoothing Strategy Asks for Returns ? % minimum return requirement? %。The bottom line is not lower than inflation.

If you have social security, you can add a consumer-type accident insurance (including accidental medical treatment, etc.), which is about 200-300 a year.

Otherwise, pay yourself social security first. This is a basic guarantee.

Then consider the allocation in terms of investment. If the goal is to pay more attention to the long-term protection in the future, you can buy some relevant insurance when you are young, the relative premium will be relatively low, and the older you are, the more expensive the premium, but you must not overproportionately high it.

Young people should have a higher risk tolerance than older people. Therefore, it is necessary to plan the configuration reasonably.

Specifically, you can go to the space to see the introduction contact. Thank you.

1. First of all, the reserve fund is about 20,000 yuan, which can be used to buy currency** to make full use, and the currency ** has good liquidity and a short redemption time can be reasonably used.

2. Deposits should be reasonably distributed, and 10,000 fixed deposits can be reconfigured with 13,000 current deposits and 8,000 yuan currency** and 5,000 yuan can be reconfigured to buy a hybrid type or buy a **type**. 10,000 yuan** You can buy a few ** including** hybrid bond ** Due to the young age of the family in this case, the investment ratio is 50%** 40% hybrid** 10% bond** Adjust in due course! **Configuration can be held, wait for the time!

3. The total income of 5300 yuan per month, first of all, the monthly expenditure is 2500 yuan. The remaining funds are 28 million yuan! Reasonable balance continues to estimate until June 12 You can reserve education funds for future family pension children You can choose regular investment** You can choose 3 branches** You can be exponential** Mixed** Each fixed investment is 500 yuan The continuous regular investment time is 18-30 years!

It can be fully prepared for the future pension and children's education reserve. There are 1300 yuan left. You can buy family insurance for your family, especially for your husband, and the type of insurance can be participating insurance, as well as medical security and endowment insurance!

The remaining funds can be saved on a regular basis** for long-term investment! Or save up for travel and travel with your family on a regular basis!

1. Have you handled social endowment insurance and medical insurance, it is your guarantee and your identity, and it is better to do it as soon as possible.

2. It is better to deposit in the bank now, the interest rate is high, and there is no risk. More than 10,000 yuan can be saved for 3-5 years, and 2 years is not the bottom. Small amounts can be 3 months, and the small amount can add up.

3. Now investing in **or** or other, the risk is much greater than the profit, and it makes no sense. After 3-5 years, when the interest rate is lowered at the beginning, you can consider taking out some of it.

Big brother, don't let these so-called financial management people fool you!

From my actual financial management experience, I think it should be as follows:

1.Be sure to buy social security. This is the only pension method that the people can enjoy at present. As for medical insurance, be sure to buy it! If you are in good health, you can wait until you are 50 years old to pay for 10 consecutive years (you can enjoy it after 6 months of payment).

2.Don't buy anything**, because the foreseeable future** will not go up; Don't buy any financial management or insurance. Because once the interest rate of the bank is lowered, the so-called various financial management and insurance are not reliable at all.

3.Take out 10,000 yuan to make a seven-day notice savings deposit or a 3-month time deposit, and the rest is reliable to buy treasury bonds (5-year interest rate.)

1. Learn to keep accounts. Don't let your wallet get empty in the unknown.

2. Reduce unnecessary expenses and liabilities, and save money.

3. Put an end to excessive consumption and make reasonable use of credit cards.

4. Invest in a fixed amount on a regular basis, such as buying ** and treasury bonds.

5. Give yourself an insurance. The fundamental purpose of financial management is to plan ahead and not to be shy when you need money urgently.

About how to manage your money:

1.Develop good financial habits. Learn to keep accounts, analyze your spending, and eliminate unnecessary spending. Control the use of your credit card and avoid becoming a card slave.

2.Set aside 3-6 months of expenses as a reserve fund in case of emergency. The reserve can be placed in a currency** (annual rate of return is about 5 times that of a demand deposit) or in the form of a credit card.

3.Make sure you do it. Buy the right amount of insurance, mainly accident insurance and life insurance, and be responsible for your family.

4.Choose the right investment vehicle according to your risk tolerance.

According to your current situation, it is recommended that you do some more stable financial products, such as the ** regular investment you mentioned above. If you are in insurance, pay attention to the double ten rule, that is, it is best not to buy more than 10% of the total income. If you are interested, you can learn and communicate again.

1. Insurance Ping An Evergain Portfolio.

2. **Regular investment You'd better do a test to see your financial preferences and choose according to your return expectations and risk tolerance. In addition to the risk of losing money in currencies, you had better understand that the index is less affected by human factors and is suitable for ordinary people to invest. Even after you have made a regular investment, you need to pay attention often.

3. The amount of demand deposit is recommended to be fixed in currency**2000 yuan per month It is recommended to apply for a credit card, which can be overdrawn.

What does 12k mean? 12,000 is still 1k to 2k.

**It is not recommended to do the transparency is not high completely** brokers in the operation of a lot of cats.

You can choose to make a regular investment. Set your own deduction date and make an annual income of about 15%. That's a 15% increase in revenue per year.

How long is the bank alive? That bit of interest can't keep up with inflation.