How should I manage my tens of thousands of dollars?

If you want to be very stable, I would suggest you keep it in the bank if you rely on this incremental rate. But if you want to use these to make more money, then you can invest, money is the easiest to make, and as for what to invest in, the industry is definitely not good, and now the economic crisis is too serious. The risk investment, ** definitely not good, it is best to choose foreign exchange, foreign exchange is the difference between the exchange rates of national currencies, you can buy up and down, and the financial crisis makes the currency exchange rate fluctuate greatly, so the profit margin is also very large, and foreign exchange can set a stop loss point, the risk can be controlled by yourself.

Because yours is spare money, there should be nothing wrong with investing in this mindset. In terms of technology, if you don't understand something, I can give you a guide, and learning foreign exchange is also very simple. In terms of time, the ** of forex is mainly in the afternoon to evening, so you should have time.

If you have any questions, you can find me through QQ: 396737012Hope you succeed.

4-50,000 deposits, want to maintain an annual rate of return of 80 (10,000) growth rate every year?!

The central bank cut interest rates by one percentage point from November 27, 2008, and the interest on one-year fixed deposits dropped from 1,000 yuan per year to 1,260 yuan per year??? If you increase the yield by 80% that year, it will catch up with the interest that people have deposited in the bank for 35 years, what are you dreaming about?

You can consider doing some investment and the like, it is recommended that you understand foreign exchange, make stable money, and the risk is relatively controllable, which is better than **.

Invest, or do business, anyway, don't ** or deposit in the bank.

10,000 yuan can have the following financial management methods:

1.The safest and most secure way to manage money: you can make a fixed deposit of 10,000 yuan.

to the bank; 2.When choosing treasury bonds, the risk of treasury bonds is greater than that of bank deposits, but in the long run, the yield of treasury bonds will be relatively high;

3.If you want to achieve rapid appreciation of 10,000 yuan, you can consider investing **, but if you choose ** with a higher stock price, the number of ** that can be bought for 10,000 yuan is relatively small;

Extended information: 1. Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management. "Wealth management" is often the same as "investment and financial management."

It is used together, because there is "investment" in "financial management", and "financial management" in "investment". The so-called financial management is not only about investing in finance, but also a kind of financial management if you don't know how to be invested.

Second, the institutions that can provide customers with financial services in China mainly include banks, ** companies, and investment companies.

1 Bank Finance.

The wealth management products provided by China's commercial banks are generally large-value certificates of deposit.

Asset management products, etc., consignment sales of securities companies or ** companies.

The ** issued does not belong to wealth management.

2 **Corporate Finance.

Wealth management generally includes, income certificates.

asset management products, etc.

3 Insurance and financial management.

Insurance and financial management are more inclined to long-term, focusing on solving the education planning and pension planning after a long period of time, and at the same time solving the problems of accident and medical protection.

4. Invest in corporate finance.

Investment company wealth management generally includes trusts**.

**Investment, jade, jewelry, diamonds, third-party wealth management, etc., require a higher starting capital, suitable for high-end financial professionals.

5 E-commerce financial management.

3. Income includes:

1 Lifetime income includes work income generated by the use of personal resources and financial income generated by the use of monetary resources; Work income is to make money from people, and financial income is to make money with money.2 Financial income: including interest income, rent income, dividends, capital gains, etc.

The concept of tens of thousands of yuan is a bit general, depending on whether it is more than 50,000 yuan or below. If the subject has little experience in financial management, he should pay attention to choosing low-risk and short-term products when choosing financial products. The yield of the currency type ** is basically above 3%, and the safety of these ** is very high.

In addition, you can also try bank or online wealth management products, such as regular wealth management products of small and medium-sized banks, Yu'e Bao, Lufax wealth management, etc.

If it is 5-100,000 yuan.

This amount of money has a large room for maneuver in financial management, so bank wealth management and regular investment are the most suitable choices.

5-100,000 yuan can buy bank wealth management, pension security management products, brokerage wealth management, bonds** and other fixed income products. In addition, a small number of medium and high-risk products can also be configured according to risk tolerance to add value to assets, such as **, **, etc.

The subject needs to be reminded that if you are a novice in financial management, try not to invest all your spare money in high-risk source Hu financial products, such as **, but step by step.

% Yue Bao Wealth Management.

Yu'e Bao's income is not as good as before, and the income has fallen all the way to 2% 3%, but recently it has begun to rise again, which is a good thing, but overall, the income is still low. Its advantage is that the deposit and withdrawal of funds are flexible, which is equivalent to a bank demand deposit, but it is more profitable than a bank.

If you have 50,000 yuan of spare money, you can put 20% of it in Yu'e Bao, and pay more attention to the interest rate changes of Yu'e Bao, because you are managing money, not for convenience, just choose a random way of financial management. Because the flow of funds is more flexible, when consuming, you must control your hands more and try not to spend indiscriminately.

Regular bank wealth management.

Although the income of bank wealth management is not high, for novice wealth management, it is still good to choose the regular wealth management of Stupid Mountain Bank. Generally speaking, it is relatively safe for banks to manage money on a regular basis, and novices do not need too much financial knowledge to manage their finances easily. There is another benefit of regular bank wealth management:

When you really can't control your hands and feet, then you can also consider depositing money in the bank, making a bank fixed deposit, and forcing yourself to save, so that you can effectively save money.

**Financial. **Financial management is a good financial management method, and there are many ways to manage money, you can buy it at one time, or you can make a fixed investment to make a long-term plan for your funds. This is a very good choice for those who don't know the market.

20% of the purchase of shares touches filial piety tickets.

Now a lot of ** performance is good, as long as you choose the right one, if you want to get good income in **, there is still a great possibility. If you can't decide which ** to choose, you can consider buying in batches in a light position. In this way, the risk can be greatly diversified, and once the **** can be replenished.

Extended information: 1. Financial management refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Wealth management can be divided into corporate finance, institutional finance, personal finance and family finance. Wealth management channels include bank wealth management, corporate wealth management, insurance wealth management, investment company wealth management, etc., and investment channels include gold speculation, **, **, etc.

Second, the specific content.

Financial management, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

<> special account refers to an investment method in which investors deposit funds into the ** company and are managed by the ** company Guan Xunchang. **There are many advantages to special account investment, which are described in detail below:

High level of security. The funds invested in the special account are managed by the company, and the company has a professional investment team, which will be based on the market, combined with the investor's investment objectives, and comprehensively consider various factors to form a portfolio, so as to ensure the safety of investors' funds.

Diverse investment portfolios.

**The investment portfolio of special account investment can be based on the investor's investment objectives and risk appetite, combined with the market **mu calendar, comprehensive consideration of various factors, to form a variety of investment portfolios, so as to meet the different needs of investors.

Low investment costs.

The investment cost of special account investment is relatively low, because the company will form a diversified investment portfolio according to the investor's investment objectives, combined with the market, and comprehensively consider various factors, so as to reduce the investment cost of investors.

2. How to do a good job in special account investment and financial management.

Special account investment and wealth management is an investment method, investors can invest and manage their funds through the special account managed by the company to obtain investment income. Let's introduce how to do a good job in ** special account investment and financial management:

Define your investment objectives.

Before doing a good job in the investment and financial management of the first special account, investors should first clarify their investment goals, such as the term of investment, the amount of investment resistance, the risk appetite of investment, etc., which are all factors that investors need to consider.

Choose the right company.

When investors choose a company, they should choose the right company according to their investment goals, such as considering the company's capital security, portfolio diversity, investment costs and other factors.

Familiarize yourself with the portfolio.

Investors should be familiar with the investment portfolio before doing a good job in special account investment and financial management, such as understanding the various investment products in the portfolio, as well as the investment style and investment strategy of the portfolio, so as to better grasp the investment risks of the portfolio.

Monitor your portfolio regularly.

After investors do a good job in special account investment and financial management, they should regularly monitor their investment portfolios, such as regularly checking the investment returns of their portfolios, as well as the performance of various investment products in their portfolios, as well as the investment style and investment strategies of their portfolios, so that they can discover the risks of their portfolios in time and take timely measures to reduce investment risks.

Conclusion. As can be seen from the above, special account investment is an investment method, and investors can invest and manage their funds through the special account managed by the company to obtain investment income. **Dedicated account investment has many advantages, such as high security, diversified investment portfolio, low investment costs, etc.

To do a good job in special account investment and financial management, investors should first clarify their investment goals, then choose a suitable company, be familiar with the investment portfolio, and regularly monitor the investment portfolio, so as to obtain investment returns.

Eggs cannot be placed in the same basket. After all, it's still necessary to save a little money for emergencies. Take the banquet and divide the money into two parts, tens of thousands of dollars for emergency reserves, and the other tens of thousands of yuan for high-yield financial start-up funds.

The conditions to be met by the reserve fund are undoubtedly principal-protected and readily available. But the basic thing that satisfies these two points is bank demand. Fortunately, Yu'e Bao and JD Wallet also fully meet these two points, with an annual income of almost 3%.

Choose a good platform, after all, the risk of financial products still needs to be assessed by yourself. Online financial management has lower risk, low threshold and convenient operation.

There is no better investment product in the world than yourself. If you have enough time and energy, you might as well sign up for a refresher course, and perhaps the gains from blindness far exceed the investment several times or dozens of times.

Part-time postgraduate programs are attractive to many young people who have graduated from undergraduate and want to further their degrees. There are two types of training, non-academic education and academic education. The economic cost of non-academic education is about 24,000 yuan, and the time cost is 2 to 3 years, while the economic and time cost of academic education is doubled.

English training is attractive to white-collar workers working in foreign companies. The tuition fee for the basic course of a well-known English training institution in China is about 10,000 yuan for half a year and about 20,000 yuan for one year. Some of the more targeted one-to-one courses for foreign teachers are charged by the hour, and basically the cost of a single project is about 10,000 yuan.

Investment and financial management should be divided into levels and stages, step by step, and there will be greater gains.

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

3. Stop-loss investment: 2,000 to 3,000 yuan to purchase insurance to prevent losses caused by major personal risk insurance.

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 ups and downs, let alone accidental losses.