How to manage money with a monthly income of 4000, how to manage money with a monthly income of 4000

First of all, you need to know how your usual expenses are allocated, what are your major financial goals for 3-5 years, and what are your financial goals for 5-10 years

1. Be clear about your assets and financial situation, fill in your balance sheet and cash flow statement, etc.

2. List the family's life goals, such as: having children, buying a car, children's education, traveling abroad, retirement, health care, etc., the more detailed the goals, the better.

3. Goal classification, which goals must be achieved no matter what, if you can't achieve life will regret it, these goals are your responsibility goals, and the rest are your desire goals.

3. Give priority to ensuring your responsibility goals! Okay, to determine the point in time when these goals will be achieved.

4. How much does it cost to calculate the responsibility goal?

5. How much money can you allocate to each goal now?

6. Calculate the ROI that needs to be achieved for each goal. Generally speaking, the better the rate of return requirements, the greater the risk, and the less likely it is to achieve the goal. If the risk is too high, is it delaying the achievement of the goal?

Or increase the initial investment? The final result is the rate of return to be achieved for each goal.

7. Choose the right financial instrument or combination of financial instruments according to the rate of return.

8. Check the process of achieving the goal and adjust the investment portfolio.

9. If there is still cash flow left, plan the desire goal as in the previous steps.

Save eating, drinking and having fun, and one of the things you can do is save.

Help you analyze, 4000 per month, a year is 10,000, assuming you spend 1500 every month (this because I don't know where you live, whether you have to pay rent or something, so it's just a rough estimate) If there is no accident in a year, you can save 10,000 yuan, and the annualized income of financial products is 12%, 3 * (1 + 12%) = 10,000. The annual fixed income of 3,600 yuan seems to be very small, but in fact, if you put the bank, then which 12% has to be replaced by about 5%, lower, so, financial management is the process of making money, and more money can sort out more income...

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.

Welcome to pay attention to CMB Wealth Management, CMB has savings, large certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose.

Risk and return are basically proportional, the choice of savings is required to protect the capital, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, **and**, if you have a local China Merchants Bank, you can contact the branch account manager to communicate financial matters.