What are the most suitable ways to manage your finances at the moment?

Warren Buffett has made a lifetime of investment, and after looking at all the investment tools in the world, he still believes that the index is the easiest way to make money. In the bull market, most investors have floating profits on their accounts, but in most of the bear market and the time period of the market in A-shares, they are in a state of relative disadvantage or loss for a long time, and by insisting on long-term index investment, it is possible to achieve a perfect crossing of market trends, bulls and bears.

Large-amount certificates of deposit, guaranteed fixed income, subscription starting point of 200,000 yuan, belongs to the scope of deposit insurance protection, the term includes a total of 9 varieties from 1 month to 5 years, the interest rate rises significantly, and the interest is calculated by the file in advance, and regular interest payment is supported. For example, the interest rate of Ningxia Bank's large-amount certificates of deposit is 55% higher than the benchmark interest rate, and the interest will be paid quarterly for more than three years. WeBank's 3-year certificate of deposit, annual interest rate, monthly interest payment.

Treasury bonds, capital guaranteed fixed income, the highest security. The minimum purchase amount is 100 yuan, and it is sold in integer multiples of 100 yuan, and generally shall not exceed 5 million yuan. The term includes 3 years and 5 years, with the current 3-year interest rate of 4% and the 5-year interest rate.

After the end of the issuance period, it can be withdrawn in advance, but the interest for a certain period of time will be deducted according to the different holding periods.

Bank time deposit, Yealink Bank 5 year time deposit, annual interest rate. The minimum deposit is 50 yuan, and the principal and interest will be repaid once at maturity. It can be withdrawn in advance, and the interest will be calculated by the file for early withdrawal.

WeBank 5-year fixed deposit, annual interest rate. The minimum deposit is 50 yuan, which can be withdrawn in advance, and the interest will be calculated according to the current interest rate on the withdrawal date.

Treasury bonds are bond-debt relationships formed by the state on the basis of national credit and in accordance with the general principles of bonds by raising funds from the society. Generally speaking, the yield of treasury bonds is higher than the income of bank deposits, but the yield is basically lower than that of other financial products in the market.

The sluggish *** has shown investment value. Take ** as an example, from 2010 to now it has been stacked by 400%, and it has been bottomed twice, **close to the production cost (** production cost of about 225 yuan and the current price is 265 yuan, ** is mostly an additional product, but the cost is also about 2 yuan) The bubble has dispersed, the investment value is presented, the position of the bottom has probably been determined, and now it can be said that the risk is smaller. Now you can open a position in batches!

One of the flaws in investment is that there is no dividend yield, and you can only hold it and return to the same value!

Bank wealth management products generally have an investment threshold of 50,000 yuan, with an annualized rate of return between 4% and 6%, which is suitable for investment and financial management of funds that are not suitable for the short term. Although it was clearly stated in 2018 that the principal would not be guaranteed, the security of bank wealth management was still relatively high.

1.Bank Internet deposits, Du Xiaoman Wealth Management and JD Finance Banking are available, with an annual income of about 4-5 points.

2.You can try a small amount of ** regular investment.

Successful investing requires asset allocation.

Its core lies in improving the return-risk ratio of the portfolio through diversification and diversification.

The same is true for investment, a reasonable combination of assets can greatly improve the winning rate and cost performance of investment. Of course, the investment mindset is also important. Time is the best friend of investing.

A good portfolio + long-term patience can reap the desired returns.

There are many ways to manage your money that can be considered a more sound investment option. Here are a few ways to manage your money in a sound way that may be suitable for different investors:

Savings account: A savings account is one of the easiest ways to invest, but it's also the most robust. Opening a savings account with a bank can ensure that your money is safe and secure, while also earning a certain amount of interest income.

Fixed Deposits: Fixed deposits are a type of fixed savings that allows you to lock in money for a certain period of time and earn higher interest returns. The advantage of this type of investment is that the risk is very low, and at the same time, it does not require much financial knowledge.

Bond investment: Bonds are a low-risk, low-yield investment. By buying bonds, you can lend money to a business or ** in exchange for a fixed interest return. While bonds don't bring high returns, they can provide protection when it's a ****.

Dividend investing: Dividend investing is a sound way to invest that can provide you with dividend income and capital appreciation returns. By buying ** with a stable dividend, you can get a stable return over the long term.

Low Risk: Low risk is an investment that balances risk and return. This typically includes bonds, bonds, and other assets to provide a robust portfolio. This is usually managed by a professional investment manager.

There is no best way to manage money, because no one's actual situation is different, so only what suits you is the best. However, if you want to judge the quality of its financial management method with high annual income, trust wealth management products are a good way to invest and manage money. Trust investment and financial management, his general investment threshold is 1 million, and the annual return on investment is about 8% 14%, which is a good choice for high-end investment and financial management personnel and enterprises and institutions.

It should be suitable for the person. Generally, 30% is used for savings, 30% is used for bank wealth management products, if you can bear high returns and high risks, you can buy some **20%, and the rest is used for daily expenses. However, the starting point of wealth management products is generally 50,000 yuan.

I think you should pay more attention to this aspect of financial management in automated trading programs.

For many people, they will make a lot of money in their ordinary life, but with the improvement of living standards, more and more people have begun to understand some financial management methods, and they can increase their income through these financial management methods. However, the current financial management channels are more colorful, so it is best to choose some long-term and stable financial management methods in the selection process to effectively protect the safety of our funds.

Wealth management productsI believe that some people who want to do financial management are the most familiar with wealth management products, each bank will launch some related financial products, and there are some fixed income and price to pay. At this time, we can choose some banks that we often use, and consult the relevant personnel of the bank to which wealth management products are worth buying. In the process of purchasing wealth management products, we need to choose according to our own needs and our own financial capabilities, so as to better use our wealth management products to the greatest extent.

In addition to insurance, we can also buy some insurance, because they are also more secure for insurance, we only need to pay a certain amount of money and receive some income every month to achieve the effect of our financial management. We only need to have an effective understanding of the insurance we need to buy through some banks and insurance companies to be able to know its pros and cons. At this time, we need to weigh whether we need to buy such financial products according to our own choices, which can also better reduce our losses and obtain greater returns.

However, for many insurance products, it is not of substantial use, so we need to keep our eyes open when choosing to reduce the occurrence of some problems.

In addition to the above two methods, the most popular is to buy**, because for the purchase of **, its variety is relatively large, we can make our own choice among these products. For some conservative financial players, they can buy according to the currency**, at least their income is relatively stable, and the risk is relatively low. For some bonds**, it is suitable for some financial users with higher risk tolerance, so that they can obtain greater returns through greater risk in the process of selection.

1. Insurance; 2、**；

3、**；4. Bank deposits;

5. Structured wealth management products;

6. Trust. <>

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 used in conjunction with "investment and financial management", because "financial management" has "investment" and "investment" has "financial management".

The so-called financial management is not only about investing money outward, being invested is also a kind of financial management, and if you don't know how to be invested, you don't know how to invest better.

Financial Implications: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 finances.

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).

Buy**, buy**, etc. Buy **, you can make money after it appreciates. **It's also quite valuable, so you can also make money by buying it.

The best way to manage money in life is to save all this money, and you should also choose some good financial platforms, so that you can have a lot of income, it is best to choose some financial products from the bank, so that it is safer and more assured.

You can keep your own funds in the bank or in a passbook. At the same time, you can also choose a stable ** for investment, or you can buy one**. At the same time, you can also invest in some good companies.

1.There is an option to invest**,2Select Investment**,3Choose to invest in bonds, 4Choose to invest in the store project, 5Choose financial management methods such as investing in film and television works.

First, the three links of financial management.

One center, three basic points: take money management as the center, save money as the starting point, generate money as the focus, and protect money as the guarantee.

1. Save money. Earn one and spend two all your life to be poor. It is mandatory to withdraw 10% of the money in the bank a month. Make a forced savings for yourself, and put 10% of your money directly in the bank after sending it, and if you don't take this step, you will never have money to spend.

2. Make money. The most popular investment method is P2P financial management, which is convenient and fast, with small risks, low investment threshold, and easy to get started. Of course, there are some other ways to make money, such as **, **, bonds, real estate, etc., you can combine your own asset status, investment preferences, anti-risk ability and other factors for comprehensive consideration.

3. Protect money. There are unforeseen circumstances, and no one knows what will happen, so it is necessary to buy insurance for Yan Xiangbi himself, insurance is an important means of financial management, but not all. Making money is like digging a well to feed your reservoir with a steady stream of water, but it's not enough to just dig a well, you have to build a dam for the reservoir – accidents, hospitalizations, serious illnesses.

2. How much money can start financial management.

Money's temperament: You don't love me, I don't love you. I don't care how much, I save 100 yuan a month to buy **, and save from 20 to 60 years old, which is 637,800 yuan; 30-year-old to 60-year-old, is 220,000; Deposit from the age of 40, 70,000; 50 years old, 20,000.

Money is a long-distance running champion, and financial management must start from a young age.

3. How to allocate assets?

The reservoir for individuals should be divided into three parts.

The first amount, emergency money: living expenses for 6 months to a year.

Deposit bank, current, fixed, or money market**.

The second part, life-saving money: living expenses for three to five years.

Fixed deposits, treasury bonds, commercial endowment insurance. It should be something that will protect the principal and not lose money, but only more and not less.

The third part, spare money: money that is not used for five to ten years.

Only this kind of money can be used to buy, buy, or open a business with friends to make this kind of investment, so it must be spare money.