After many years of financial management, do you have any experience that you would like to share wi

Willing to share. From my experience of collecting coins for more than 30 years, investing in ancient coins is a good way to manage money, with low risk and stable returns.

Insurance is not insured, and capital is not guaranteed.

Stay away from ** and you'll earn.

For several years, I have been managing my money in local banks, capital preservation or structured deposits, and nothing has gone wrong.

Fighting a protracted battle is the most rewarding.

If you can sort out thousands of dollars a year, you are definitely a master of financial management.

Understand the risks of financial products, if you can bear these risks, then you can rest assured to invest in these financial products, if you can not bear these risks, only consider its returns, then it is obviously unreasonable to do so, because these benefits are expected returns, does not mean that you will collect so much in the future, so you have to look at his historical performance to deduce what its future returns are, so at this time you pay special attention to investing in different market risks are different.

Choose wealth management products that are more than half a year long, with guaranteed principal but not interest. The longer term is to pursue a return of more than 5 points, and the choice of capital and interest protection is to control the risk. After all, some time ago, the news broke that someone really bought something that did not guarantee the principal and interest, and lost 1 million capital.

Although it is a very small number, but in today's bank financial management is not just redeemed, it is still careful to make the ship of ten thousand years.

To choose the most suitable for yourself, like money management, its advantage is that the risk is relatively small, the advantage of bank wealth management is relatively safe, and there are many different markets, these ** its advantage is that the yield is relatively high, you have to choose financial products according to your own risk tolerance and expectations of the rate of return.

For general financial management, you can choose a step-by-step financial management method. The daily need to spend is placed in the Yue Bao, although the Yu Yu Bao has fallen within 4%, it is still more convenient to use financial management. Some of them are used to invest in wealth management products, most of which have a certain period, one month, three months, and six months, but the specific situation is still determined according to the individual's situation.

Excluding the two deposit paths of bank demand deposits and time deposits, the "successful ones" in our fathers will study financial products, or they are high to a certain extent and can also know some financial management methods every day, and the vast majority of parents and friends who have spent a hard life deeply believe in the credit protection given by the state to the bank, so they will choose to save money in the bank, and they will also feel that buying financial management is falling into.

It is recommended to go to Alibaba's MYbank, Tencent Tenpay, Jingdong Xiaojin Treasury and other big platforms to pick currencies**. When choosing a currency, you should pay attention to the product period, not everyone can be consumed or transferred out at any time like Yue Bao. It's best to choose a currency that is moderately sized, has been established for a long time, and has relatively stable returns**.

House prices will fall by 20% in 2018, believe it or not. However, as the leader said, "Houses are for living, not for speculation." "If you go against the policy, you will definitely lose.

More and more people will choose to invest and manage their finances on the Internet. Because online payment is now more popular, it can be combined with online financial management and online payment to supplement, for example, Alipay is a particularly good example, Alipay has Yue Bao, Yu Bao can not only be used for investment and financial management.

You can put a small amount of money to meet your daily expenses in Yu'e Bao. Household emergency funds and spare money that have not yet been decided what to invest can be put into other unlimited bases.

Correct financial knowledge can enhance everyone's personal basic life security, improve everyone's personal fixed income, and ensure the quality of life of relatives to a certain extent

Clause. 1. Systematically learn the basic knowledge of financial management theory. If we don't know anything about financial management, and there is no general definition of financial management, how can we produce a scientific concept of financial management?

Clause. 2. Normative practice and the courage to practice. After they have a scientific concept of financial management, everyone can start to practice, but before the practice, they also need to carry out an analysis of their own personal risk tolerance.

Know your own risk-based mentality, whether you are aggressive or stable and stable, so your risk tolerance and risk-based mindset determine the financial products you choose. In the early stage of practice, it is best to allocate a small amount of funds to enrich your practical experience first.

Clause. 3. Learn to diversify risks and generate relatively stable investment strategies. Whether you are an aggressive investor or a prudent investor, everyone must learn to diversify their investment risks, and after accumulating rich and diverse experience in changing their investment experience, they should summarize their personal investment strategies.

Learn to diversify and personalize your investment, and divide your assets into several partial investment proportions to hedge trading risks. The investment and sales market is constantly changing, so we must continue to learn new knowledge, accept new things, and generate a scientific sense of financial management.

We should clearly understand that investment is also risky, and no investment can be 100% risk-avoided, we can only rely on some methods to reduce our own investment risk. There are main ways to reduce your investment risk

Clause. 1. Diversify investment and hedge transaction risks. Diversified and personalized investments are used to share the risks they are exposed to, and aggressive and moderate types can be invested in different types of proportions.

Clause. 2. Summarize investment work experience to prevent repeated thunderstorms. We should develop our own efficient investment strategies and investment habits to prevent some simple mistakes.

Personal financial management refers to creating a scientific and reasonable personal financial plan based on the business situation, and appropriately participating in investment-themed activities. The investment of my wealth management includes: **, ****, bonds, deposits and other eight main contents.

My financial management is based on the premise of analyzing and combing its salary income, property, debts and other relevant information, according to my own preferences and tolerance for risks, integrating the overall goal of booking assets and liabilities such as deposits, commercial insurance, securities, foreign exchange transactions, personal collections, residential investment and other means to manage assets and liabilities, scientifically arrange assets, and then complete the whole process of asset preservation to the greatest extent within the acceptable range of each person's risk. Therefore, the contemporary value of personal financial management, different from a single deposit or investment, not only includes the accumulation of wealth, but also covers the protection and distribution of money.

You can buy some books on money management and study on your own.

I think I can go to a professional financial school to learn these professional knowledge.

I think you have to have a correct sense of financial management first, and then understand what financial management methods are and consider the shortcomings.

1. Portfolio savings skills. If you want to learn how to manage money, you must first have the principal. For the monthly balance of the salary can be combined savings, which can be divided into three parts:

The first block is the daily consumption reserve savings, which is convenient to withdraw and can obtain income; The second is a lump sum deposit, the deposit period can be set to one year, and you can agree with the bank to deposit a fixed amount of money every month; The third block is a fixed deposit, if you already have a certain amount of savings, but not enough to buy financial products, you can deposit in this way.

2. Financial planning skills. Financial management must have a rigorous science student thinking, and you must plan for your family's expenses, otherwise be careful that your woman accidentally buys a bunch of sharp goods home. In addition, financial planning should be realistic, and the goals should be reasonable and easy to implement.

3. Portfolio investment skills. Adopt a combination of investment and financial management, so that even if one side loses, the other side may be profitable, even if the bleeding is at least not too painful. Proper financial management must reasonably allocate the proportion of savings, household daily consumption and purchased products, and then combine investments, such as investing money in heavy metals, and the rest of the money can**.

4. Financial management habits. Don't rush to achieve results, it is important to read more books and newspapers, get more exposure to financial knowledge, or consult professional institutions, and develop the habit of obtaining information through multiple channels.

Choose a professional and reliable platform.

It is very important to have a certain understanding of financial management before financial management, such as Yin Ziguo has not started financial management himself, you can look at other people's experience in financial management to learn, so what financial experience can be learned? For everyone, we have prepared the road to the advancement of zero-based beginners and related knowledge for reference.

Each stage is different, and the focus of financial management will be a little different, but in general, if it is a zero-based beginner, it is recommended to start with low-risk financial management, understand first, and invest with a small amount of money, such as: currency**, pure debt**.

Currency** and pure debt** are the two types of least risk, the income is very stable, if you want to survive, you can consider it, because these two basically belong to T+1 day can be withdrawn, the withdrawal time is not long, the flexibility will be relatively high.

Then the more advanced financial management is the high-risk mixture**, index**, ****, etc., this kind of risk is high, the return is the same, it will be relatively high, and you can use the ** fixed investment method to diversify the risk when investing.

However, it should be noted that although it is said that regular investment can diversify risks, there are also certain risks, for example: investors choose **bad, **always fall more, rise less, like a bottomless pit, then**regular investment must be stopped, to avoid more losses, **regular investment must find the right**.

Finally, it is**and**, the risk of **and** is relatively large, if there is no certain professional knowledge or special love, the zero-based Xiaobai suggests not to buy blindly and casually, it is easy to lose money.