With an annual income of 5 to 100,000 yuan, how to manage money?

Depending on your age, under the age of 35 you should save 20%, live 30%, and invest the rest.

35-50 years old, 35% saving, 35% living, and the rest investing.

After that, 50% saving, 35% living, and the rest investing.

Financial management is all-round, and it is difficult to give you an accurate answer if you give too little information and have no financial purpose.

I am a professional financial advisor, if you need to contact me directly, I will try to help you.

First of all, I assume that your annual salary of 100,000 yuan is all the net money excluding expenses, and you must have a house. If you say 100,000 yuan in the bank to get interest, then wait a year your 100,000 will be worth more than 90,000 yuan, first of all, you have this concept of financial management is very good, 100,000 funds can give you two simple suggestions: do risk-free income stable financial projects - such as guarantees, the annual income can generally be about 15%, this income is enough to resist inflation, but also to achieve value preservation; In addition, if you can bear a certain risk, you can choose to do some high-yield but risk-accompanied products - ** (personal judgment is not good, ** is affected by the news is not easy to grasp), ** (affected by the second interest rate hike will not go very well, the risk is great), speculation ** (a single variety, the income is good but you have to find a good instructor, otherwise the risk is also high), etc., depending on personal preference.

I originally wanted to give you a portfolio, because the investment is a portfolio, but it also has to be determined according to the capital situation.

It is advisable to first allocate your funds proportionally and diversify your investments:

A purchase: ****, the rate of return, the risk, such as: ** type;

One buy: London gold, high yield, high risk, e.g. Sun-Sam Investment Company.

One does: medium ** investment dividends, high yield, medium high risk, such as: Chaoyang Investment and Wealth Management Company;

One purchase: participating insurance, which is longer, such as: Jiahe's universal insurance.

Finally, give yourself a spare.

In conclusion, don't put your eggs in one basket.

You can go to the second and third tier cities to buy a house to invest, but just pay a down payment, you can rent out the house, use the rent to pay it back, and then sell the house after a while, I believe that the more you earn when the time comes, you can also go, or buy ** or something, as well as deposit in the bank or something, you can also invest in others to do business, but you should be optimistic about people and things and then invest it, you can also lend it to relatives and friends to collect some interest Anyway, you must be careful to do it, because your money is not easy to come by.

Now**is so sluggish, I think it's better to invest**, but don't invest all, just invest 30,000, you can buy London gold, and then divide the rest into several parts, and invest separately, which can reduce the risk, like buying a bank**, or investing in a long-term **.

。。。That's not much.

Housing prices are very depressed, unless you don't have enough money in the central area...

It's not that I'm not optimistic at the moment, but judging by your income, do you have time to pay attention to it from time to time? Don't tell me about Buffett's long-term holding, he never said it, but I only know one thing, ** must always pay attention to it, always investigate. You don't have enough time ...

**？Don't be funny, you might as well go to the bank. You can look at the dollar chart and the chart to see the proportion, in fact, the port has a hedging function, and it will only appreciate under special circumstances. Now it's clearly not ...

It seems that you should save money and save in the bank. However, I personally suggest that you can take a look at ** now, I think the economy will probably recover in the first half of next year, and ** may be an option at that time.

Different financial management methods have different benefits. If you are buying bank wealth management, then there are several situations:

To buy low-risk wealth management, the risk level is generally PR1, for example, capital guaranteed wealth management (according to regulatory regulations, capital guaranteed wealth management has been cancelled and replaced by structured deposits) or structured deposits, the yield of this kind of wealth management is generally between, that is to say, the annual interest is between 2000 and 3000 yuan, but because structured deposits are basically equivalent to capital guaranteed wealth management, this kind of financial management generally has a quota limit, and sometimes it needs to be snapped up, which is more difficult to buy;

In fact, this kind of financial management generally does not lose the principal, at least I have not encountered it, but the product manual will still write the risk of losing the principal. The corresponding rate of return is generally, that is to say, the annual interest of 100,000 yuan is generally 3,000 yuan to 4,000 yuan;

Buy PR3 level financial management, this kind of yield is generally more than 4%, of course, the risk is also large, there is a risk of losing the principal, this kind of financial products is a combination of a variety of investment tools, such as a mixture of **, bonds, **, etc., but the proportion is different;

Buy flexible financial management, for example, now the bank has launched a variety of flexible financial management similar to Yu Bao, generally speaking, the yield is about now, and the annual interest rate of 2400 is not too far, of course, the yield of this financial product is changing, but the difference will not be too big. This type of wealth management product is actually a kind of currency**, which can basically protect the principal.

Extended information: The specific content of financial management: Financial management, as the name suggests, refers to the management of 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).

Currently, there are only two types of financial products on the market that guarantee both principal and interest. One is bank deposits and the other is treasury bonds. These two financial products are very safe, and they can even be withdrawn normally with principal and interest after maturity.

Due to the high level of security, its benefits are also low. For example, at present, the maximum five-year fixed interest rate on bank deposits is about 5%, which is only offered by some small banks, and most banks have interest rates below. The three-year interest rate for government bonds is, and the five-year interest rate is.

This means that you guarantee principal and interest and buy a highly secure** bond or bank deposit. $150,000 can get $7,500 a year. Calculate the corresponding rate of return.

We do reverse reasoning, if we can have a stable income of 500 yuan a day for 30 days a month, then we can have an income of 15,000 yuan per month, the annual income is 180,000 yuan, and our principal is 150,000 yuan, that is, the annual rate of return is 120%.

A way to manage money that can match its rate of return. At present, the wealth management products in the market can be divided into several levels, namely R1, R2, R3, R4, and R5, which correspond to different levels of wealth management products. The interest rate of low-risk products will be lower, while the interest rate of high-risk products will be higher.

Among them, the interest rate of R1 is not more than 2%, the interest rate of R2 is not more than 5%, the interest rate of R3 is basically not more than 10%, and the interest rate of R4 is not more than 20%. The R5 level is already a high-risk level, and the loss of principal can occur at any time. If you want to reach 120%, you have to do it with R5 level products, such as participating in the ** market.

This low-risk financial product can get the principal back under normal circumstances, but these financial products do not guarantee principal and interest. Under normal circumstances, the annual rate of return is about 4%-7%, that is, 150,000 yuan can get up to 10,500 yuan of residual interest a year.

First, calculate the corresponding rate of return.

If you can have a stable income of 500 yuan every day, calculated based on 30 days in a month, then you can have an income of 500 * 30 = 15,000 yuan in this month.

Then, if there is an income of 15,000 yuan per month, the income of each year is 15,000 * 12 = 180,000 yuan, that is, 180,000 yuan.

Compare the principal, the principal is 150,000, then, that is to say, the yield of this year is 18 15, that is, the annual yield of 120%.

If it is said that it is very stable, it is actually not, and it is the most stable when you deposit it in the bank.

I think you can choose financial products with higher returns, so that you can have a stable income.

If you want 100,000 yuan, you can consider the way to manage your money is to deposit it in the bank, generally with an interest of 3%, that is, an interest of 3,000 yuan for 1 year.

The second option is to consider buying a five-year treasury bond, with a general interest rate, which is 3,500 yuan for one year.

The third type can buy ** bank shares to receive dividends, with a general interest rate of 5%, that is, an interest of 5,000 yuan a year.

Of course, there are also ways to earn higher returns, such as buying, science and technology innovation boards, ......These are risky and require some knowledge.

It is too simple to earn 5,000 in 10 years of investment, you can do low-risk financial management about 4% for 50,000 yuan, and the remaining 50,000 can be bought ** or medium-risk financial management for about 6%, if it were me, I would definitely choose half to do low-risk financial management and half **.

This year's bank deposits have been cut interest rates, small banks can not reach five percent of the income, last year there are many small banks five percent of the year, so now want to reach five percent of the only way to buy **, but there is a risk of loss, buy trust years about 6 percent, but the minimum also needs 30 to invest in the amount.