Bank financial management is too complicated, are there any financial management methods suitable fo

It's very convenient to manage money online, like I recently managed money in the times, which can be operated on the computer and WeChat, which is very convenient, and the income is 18%, and the loo block can be invested at the beginning, and now Yu Yu Bao can't look at it.

You can choose the company's currency** type of wealth management products or regular investment products to deposit a certain amount of funds on any day of each month, which is equivalent to a small deposit and withdrawal, which can be selected for aggressiveness, stability and defense.

Invest in the P2P platform, the minimum investment amount is 50, the annualized rate is 18%, the repayment method is equal principal and interest system, the normal return is 10%, and the revolving investment, the income can reach about 16%. You can see where the money is being spent. If you need to know, you can add.

Huizhou Cultural Park Entity Financial Investment Annual Fixed Interest 14% Two-Year Fixed Interest 16% Interested m I.

Chengdu? If you are interested in investment and financial management, you can chat privately!! Personal information will not be disclosed.

And to make risk-free investments, and the 15738800117 of not putting your eggs in one basket to minimize risk

Invest in Masheng foreign exchange**, starting from 7w RMB, with a monthly guarantee of 3%, handled at the counter of a large capital bank, and the principal is guaranteed 13858851162

**The company's currency-based wealth management products or regular investment products.

Investment is risky, be careful and be careful

Yes, I am doing fixed income financial management with a fixed annual income of 10%.

Yes, **company, can you tell us about your financial needs?

How about the monthly interest?

The best investment method suitable for "lazy financial management" is regular investment, which refers to investing in a fixed amount of money at a fixed time into a designated open **, which is similar to the bank's lump sum deposit, which is characterized by the ability to accumulate a lot, evenly share the investment cost and reduce the overall risk. Due to the low starting point and simple way of fixed investment, it is also known as "small investment plan" or "lazy financial management".

1.Merit. First, the procedures are simple. The deduction subscription for each period is carried out automatically, generally in months, but there are also other time limits such as semi-months and quarters as regular units.

The second is to save time and effort. After the **regular investment, the corresponding funds will be automatically deducted for subscription on each fixed date**, and investors only need to ensure that there are enough funds in the bank card.

Third, there is no need to consider the timing. In order to avoid the occurrence of subjective judgment errors such as buying high and selling low, investors can invest in the market through regular investment plans, and do not need to care about the timing of entry. The average investment, the funds are invested in installments, and the cost of investment is high and low, which maximizes the diversification of investment risks.

Fourth, the starting point of investment is low. You can invest as little as $1.

2.Suitable for people.

First, newcomers to investment and financial management. There are many types of investment and wealth management products in the market, and regular fixed investment can smooth out the peaks and troughs of the net value and eliminate the volatility of the market. Therefore, for beginners, they only need to invest a fixed amount of money at a fixed time, without cumbersome operations, and they don't need to pay attention to it all the time.

If you can stick to it, maybe there will be good gains.

The second is office workers with fixed salaries. Most office workers have a relatively limited monthly balance, and they do not get much profit from putting it in the bank, so it is more suitable to make a small amount of ** regular investment at this time. In addition, most office workers can't spare too much energy and time to take care of their finances, so through the tool of regular investment, they may be able to steadily achieve asset appreciation.

The third is the group of people who have a plan for future consumption demand. The so-called planning for future consumption is to predict that there will be a greater demand for funds in the next few years or even longer, such as buying a house, buying a car, etc., and now raising it in advance in a regular small amount of investment, which will not only not cause a daily economic burden, but may also make the small money invested every month easily evolve into big money in the future.

Fourth, people with low risk tolerance. If you are not very confident in your investment risk tolerance, and you want to gain something in investment and financial management, it is recommended to choose ** regular investment. Due to the weighted average investment cost of the investment, it can effectively share the overall investment cost, so that the risk of being affected by fluctuations is reduced, and it is easier to make steady profits, which is one of the best tools for long-term investors to be optimistic about the market for a long time.

Warren Buffett once said, "By investing regularly in an index**, an amateur investor who doesn't know anything can often beat most professional investors." "This may be the charm of ** regular investment. I hope mine can help you

1. How lazy people manage their money.

1. Save money. When they are young, they are in the period of career development, and many people have a lot of salary but always can't save, and the problem is that they can't control their desires and don't get into the habit of saving. It is generally believed that the people who have come over are:

Save money first, and then talk about investment", we must control our desire to consume and throttle.

2. Fixed monthly investment.

Investing must become a habit and become a monthly "homework". No matter how much you invest, as long as you make a fixed monthly investment, you have beaten more than two-thirds of people.

3. Insist on long-term investment.

According to the survey, three-quarters of investors have been investing for at least five years. The income of regular investment products is more suitable for Chinese investors, because the first consideration of Chinese investment is "stability".

Therefore, when you are young, set a financial goal now, and once you have the goal you want, it will be much easier to persevere when facing the need to open up sources and reduce expenses.

2. What kind of financial products should lazy people choose?

1. Choose some long-term financial products.

Lazy people are not willing to spend too much time and energy on financial management, after choosing long-term financial products, lazy people will have a lot less time and energy in this regard, so long-term financial products will be more suitable for lazy people to choose.

2. Select the hosting method.

Lazy people can consider the way of custody for financial management, which is more energy-saving for these lazy people. That is to say, the lazy person provides financial management funds, and then others manage the financial funds, and the wealth management company or professional financial planner will help the lazy people choose the appropriate financial products, and then the benefits are shared between the two.

3. The way of managing money for lazy people.

Specifically, the following "lazy" financial management methods are more suitable for lazy people.

1. The most conservative and safest - bank deposits.

Bank deposits are undoubtedly the safest way to manage money, but the yield on bank deposits is low, and it can't even keep up with the rate of inflation.

2. It is very stable and safe - Yu Bao.

Yu'e Bao is equivalent to currency**, with high security and high liquidity. Now it has broken through the 4% mark, and in most cases, the income of Yu'e Bao will be slightly higher than the income of the bank's 3-year fixed deposit.

3. The most fashionable and flexible - P2P online loan investment.

P2P is undoubtedly one of the fastest-growing industries in the past two years, and the investment threshold is very low, and some can be invested for one yuan. The investment returns of different P2P platforms are relatively large, and the current annualized rate of return is between 7% and 12%, which is much higher than the return on bank deposits.

Want to manage your finances, but don't want to spend too much time and energy? It doesn't matter, there are many investment and financial management methods suitable for lazy people, allowing you to make money easily!

1.Fixed deposit: This is the easiest and safest way to invest, as long as you keep idle money in a fixed account in the bank, you can enjoy a certain amount of interest income.

2.Purchase wealth management products: Wealth management products are not only highly secure, but also have good liquidity and are suitable for long-term investment. Through wealth management products, you can not only obtain investment income, but also enjoy the professional services of the bank.

3.Buy ETF**: ETF** is an abbreviation for Exchange Trading**, which is a kind of ETF** by buying ETF** you can invest in a variety of assets, including ** and bonds, etc.

ETFs** have the advantages of low barriers to entry and low fees, making them ideal for beginners and lazy investors.

4.Asset allocation: Asset allocation is a more flexible investment method, which can flexibly adjust the allocation ratio of assets according to investors' risk appetite and capital situation, so as to achieve optimal allocation of assets and achieve long-term stable returns.

As long as you have mastered the relevant knowledge, you can easily invest and manage your wealth and realize your wealth dreams!

Investing is not a simple matter and requires investors to do adequate research and understand the market situation. However, for some investors who are lazy or don't have the time to do research, the following investment methods may be more suitable:

:**** is a portfolio managed by a professional **manager, which contains multiple **. Investors can invest in the market by buying without having to know the specific market situation.

It should be noted that there are also differences in different types of risks and returns, and investors should choose the right one according to their own risk tolerance and investment goals.

Regular Investment: Regular investment is an investment method where investors can buy a certain amount of ** or ** on a regular basis every month or quarter to diversify risk and obtain long-term investment returns. This type of investment is suitable for investors who do not have the time and energy to make frequent operations, and it can also avoid making bad investment decisions due to market fluctuations.

Investing in an index: An index is a passive investment that aims to track a specific index, such as the Dow Jones Industrial Average or the S&P 500. Investors can reap the rewards of the overall performance of the market by purchasing an index** without having to study the specific** market situation.

The index** has relatively low management fees and high risk diversification, making it suitable for investors who want to invest for the long term and pursue stable returns.

It should be noted that there are risks involved in any investment, and investors should choose a suitable investment method according to their own risk tolerance and investment objectives, and conduct full understanding and research before investing.

Lazy investment and financial management methods.

1. Regular savings.

Bank fixed deposits should always know that they can be called a "zero-risk" financial management method that guarantees principal and returns. The term is generally divided into three months, six months, one year, two years, and three years, and the interest standard follows the central bank's benchmark deposit rate, but the actual standards of major banks are different.

Features: low risk, low return.

Suitable for: People who are reluctant to try new financial products.

Lazy investment and financial management methods.

2. Currency**.

Online currency ** wealth management is an Internet financial management method, this kind of product is the purchase of low-risk currency**, the income is generally about 4%.

Features: Higher than bank current savings, the main capital is flexible.

Suitable for: Netizens who tend to manage their finances for a long time.

Lazy investment and financial management methods.

3. Regular investment financial management methods.

Regular investment wealth management is a long-term financial management method with a fixed amount of money. However, it is necessary to choose relatively stable financial products, so that there will be no frequent fluctuations in returns.

Features: long-term investment, long term, high security.

Suitable for: It is more suitable for some people who spend money without restraint and have no financial plan, such as moonlight people and some newcomers in the workplace.

Lazy investment and financial management methods.

Fourth, online loan and wealth management.

Online loan wealth management is one of the most popular wealth management products at present, with a wealth management period ranging from one month to two or three years, and the choice is very flexible. In terms of income, online loans can be said to be the highest in lazy financial management, and the current industry standard is an annualized rate of return of 10%-15%, which is incomparable to other financial management.

Features: low threshold, high income, flexible withdrawal.

Suitable for: Suitable for people who are financially conscious, have a risk tolerance, and are willing to try financial innovation.

Lazy investment and financial management methods.

5. Fixed income wealth management.

Fixed income wealth management refers to the financial management options with fixed income and term, the financial management period is generally 1-3 years, and the income is relatively fixed.

Features: Both the earnings and the term are fixed.

Suitable for: people with low capital shortage and certain free assets.

Lazy investment and financial management methods.

6. Principal-guaranteed financial management.

Principal-protected wealth management is a low-risk wealth management product that protects the principal, generally invests in bills, bonds, etc., and brings stable income during the financial management period. However, principal-guaranteed wealth management products usually do not have too high financial returns, and can be used as a value preservation option, which is difficult to have value-added effects.

Features: safe and valuable, low income.

Suitable for: People who are sensitive to the security of funds and are unwilling to try high-risk financial management.

Lazy people can choose the following financial management methods: buy the bank's wealth management products, currency, and make regular investment.

Wealth management products: After the purchase of the product, investors can ignore it during the duration of the product, and wait until the product expires, the principal and income will be automatically received, so for investors, this financial management method is more convenient, but its disadvantage is that the minimum deposit amount is high, many products need at least 50,000 yuan, and some products even cost 100,000 or 200,000 yuan.

Currency**: Mainly invests in short-term money market instruments, usually treasury bonds, central bank bills, commercial papers, bank certificates of deposit, short-term bonds, etc. Therefore, after investors buy currency**, they almost do not have to worry about the possibility of loss of principal.

Regular investment: that is, the regular and fixed amount, through the way of accumulation, the cost of ** will be diluted, and then the wealth will accumulate more and more. Regular investment can be started at any time, which is more time-saving for investors.