50,000 yuan financial management, 50,000 yuan how to manage money?

1. IB's wealth management products are generally 7 days in a cycle, and new ones are launched every Tuesday, which may be slightly different on holidays and at the end of the month.

2. Are you looking at the financial information in the Investment and Wealth Management section of IB's online banking?

There are two columns below this, "non-reservation wealth management products" are automatically credited to the account after the expiration of the agreement, and "reservation wealth management products" need to be redeemed to arrive in the account, otherwise they will be automatically transferred.

3. The purchase of wealth management also depends on the branch where the card you handle, which has some "Changsha exclusive", "Hangzhou exclusive", etc., in addition to the local card foreign card can not be purchased, such as the card I opened in Zhejiang, then all belong to the Hangzhou branch, you can buy Hangzhou exclusive.

4. Some financial management is also divided into time periods, and the purchase time for writing the night market version is from 6 pm to 12 pm.

5. In addition to the regional exclusive version, the financial management quota is relatively compact, and the financial management with daily Wanlibao ABCD and so on generally has a quota.

The bank's wealth management products were sold for a short time because they were quickly snatched up. If you really want to buy, it is recommended to pay attention to the bank's offering announcement at all times, start in time, and open online banking if it is convenient. This also saves you the need to go to the branch all the time.

50,000 yuan is not much, it is not very little, it depends on your own investment preferences, from the current form, you can do some ** investment, the income is very attractive, but the accompanying risk is also quite large; In addition, it is ** investment, the risk is correspondingly smaller, but the income is also much smaller, and it is a long-term investment, and it is difficult to have income in a short period of time; Considering that your 50,000 yuan is only temporary spare money, it is not recommended to do insurance investment products with a long cycle, and there will be no money to be made without three or five years; There is also **, this requires a certain amount of professional knowledge, and more importantly, the risk factor is relatively large, so it is not good to lose all your money. The most insuring is the bank's wealth management products, although the income is not very high, but it is similar to the income of fixed deposits, the time is short, and it is easy to cash out. I'm just giving some advice, it's up to you how to do it, and I wish you a happy investment.

Don't invest in a single bet. Investment and financial management should be divided into levels and stages, so that there will be greater gains. Recommendations:

2. Value-added investment: 5,000 yuan investment**and** (unless the knowledge accumulation reaches a certain level, be cautious about pretending to burn**);

3. Stop monitoring and loss investment: purchase insurance of 2,000 to 3,000 yuan to prevent losses caused by major personal risks;

4. Conservative investment: keep the remaining part of the money in the bank for 1 year.

In this way, while you can accumulate investment and financial knowledge, your funds can grow steadily, and there will be no big ups and downs, let alone losses due to accidents.

There are several types of investments that can be made:

1、**。It is best to have a certain knowledge, or it is relatively safe to buy banking, oil, steel and other stocks, due to information asymmetry, serious fraud of listed companies, in general, the market risk is still relatively large, which can make your capital overturned, or you may lose all your money;

2、**。You don't need knowledge, you just need to know the past performance of the company, and large companies such as GF and E Fund are better and can be considered. Of course, it is unlikely that it will be multiplied, but it is still possible to achieve 20% to 50% per year.

3. Foreign exchange market. It requires more financial knowledge and international knowledge, because each currency has a close relationship with the country's economic, political and other environments, the information is relatively transparent, the risk is smaller than that of the past, and it can be speculated 24 hours a day.

4. Property market. It is difficult to cash out in the property market, and it is difficult to invest 10,000 yuan, so it is recommended not to invest in the property market, unless you are close to retirement and buy a house for retirement.

The second floor is right, the key to selling is your risk tolerance, if your 10,000 yuan is spare money, you can consider before 2007: 70% buy**, 30% buy**; In the first half of 2008, half of the first half of the foreign exchange market will be transferred, unchanged, and all will be withdrawn after the Olympics and turned to the foreign exchange market. If you have the money at any time, you can use up to half of the above investment, and the other half in the bank for interest at different tenors, or a small part for insurance.

I have been engaged in economic work for more than 10 years, and I have a small amount of spare money, which is to invest according to the above strategy, and the income in the second half of this year is acceptable, I hope it will help you.

1. If you are familiar with P2P Pingzhi eggplant, it is also a good choice. You can lend 50,000 yuan of spare money through the P2P platform and collect interest. The premise is to find a reliable P2P lending platform, and it is best to have a trustworthy friend to lead you through the door.

This type of loan is more popular nowadays.

2. Alipay financial management. If you put 50,000 yuan into the balance, you can expect to have an income of close to 5 yuan a day. A month's water bill, gas bill is there. Although this kind of financial management cannot make a lot of money, it is convenient to use, and it is a good choice for friends who need it urgently.

3. Financial management software. There are still a lot of reliable financial management software, and the interest rate on the whole deposit is as high as 8% and 12%. That's twice as much as the bank.

4. Insurance. In fact, some types of insurance are beneficial and harmless to us, especially if there are children at home, you can learn about it. Investing in children's health and education is also an investment.

It is recommended that you invest around 10% of it**. Although the risk is higher, the proportion of investment is not large, and it should not have much impact on your life; On the contrary, if you choose a good **, the yield may be higher. For example, Q Wealth Management will announce the ** yield ranking every day, and many ** annualized yields even exceed 20%.

For the other part of the funds, it is not recommended that you deposit for a fixed period. Because the regular flexibility is less and the benefits are not high. You can put it in the pretending currency** and withdraw it as you go, and the yield is higher than that of a one-year fixed deposit.

For details, you can refer to the daily currency ** yield ranking of Wealth Management.

Another point is that you can invest in P2P network wealth management products, small investment and financial management, the time can be set by yourself, or a very flexible way of financial management.

Finally, you also need to reduce your spending, try to control your spending, and save money on your finances. Because from the perspective of financial management, income-savings = expenditure, and by no means income-expenditure = deposits.

In fact, financial management is to formulate long-term scientific planning through the analysis of family assets and financial goals, so that the standard of living is thriving, and the grinding stove finally achieves financial freedom. Getting rich overnight is not financial management, and sticking to the concept of long-term investment is the right concept.