Please tell us one or two about financial management

Hello! The first choice for ordinary people to manage their wealth is to save money, as well as to buy insurance, followed by **, buy**, buy**, buy**, and buy national bonds.

First, the first thing to look at is your risk appetite:

1. If it is relatively stable, do not care about the low return, and need to protect the principal, you can choose to deposit, or insurance, buy **spot, buy**, or buy treasury bonds, these advantages are that the risk is relatively small, but the disadvantage is that the income is small, the change is small, it can be said to be relatively stable.

2. If you are aggressive, you can accept high risk and advocate high returns, then the equity market is more suitable for you, you can consider doing**, spot**, spot**, paper**, etc., these are certain risks, but then there are also high returns, these returns will be accompanied by certain risks, so you need to be cautious when investing.

Second, it is recommended to sort out your capital income and expenditure.

1. Divide each month's money into five parts, one for living expenses and family expenses; One is used to make friends and expand your network; the third is used to study, buy books or train to enrich oneself, and make progress little by little; Fourth, for travel, people live a lifetime, we need to walk a lot of roads, to see very beautiful scenery, the growth of life lies in continuous experience; The fifth part is used for investment, to feed money with money, or to make money out of money.

2. You must use spare money to make an investment, and you must not use the money you urgently need to make an investment, because it is easy for you to make a wrong judgment, and finally make an investment not to put your eggs in a basket, you can consider doing some hedging, so as to minimize the risk.

3. In addition, the family's financial situation, cash flow, future house and car, parenting plan, etc. should be considered together.

Finally, investments are risky, so you need to be cautious when entering the market. The purpose of financial management is to make our family life better, so it is important to be cautious and steady. The notion of hoping to get fat in one bite is not true.

Your current risk tolerance is not high, you have children and car loans, and you should not put your eggs in one basket for investment, reserve three or four months of liquidity, and the rest of the money will be purchased by bank wealth management products, and some will be fixed. For frequent online shopping, you can choose Yue Bao, with an interest of a little more than 5%, which is higher than that of fixed deposit. Although the income is not high, it is better to be stable, and it does not require too much effort, which is a better choice for people who are not good at financial management.

Wait until you're familiar with it before considering other ways to manage your money.

Wealth management products are generally directional loan projects that flow money to banks, and now domestic banks rarely default, and it is recommended to buy some wealth management products with a medium yield. In addition, some can be deposited into Yu'e Bao and other items, one to withdraw at any time to ensure your liquidity, and the other is to have a yield of 5-6 points, which is not low.

Now the financial risk is not small, it is recommended not to invest indiscriminately. In particular, the kind of financial unions and credit companies are very risky.