What issues should be paid attention to in 2015 financial management?

If you should pay attention, it should be risk and return, many financial products are risk and return coexist, so when choosing, some people will not take into account the risk because of the return. If you buy financial products, you can pay attention to 91 Finance, which has risks and returns, which can be accepted by most people

At present, after the central bank standardizes the management methods of wealth management products, the starting point of the purchase of financial products has been clearly stipulated, the starting amount of RMB wealth management products is 50,000 yuan, and the starting amount of foreign exchange wealth management products is equivalent to 5 thousand US dollars, but the starting point is relatively high, but due to the guarantee of bank credit, it is often sold out quickly as soon as it is launched into the market.

Generally speaking, the newly issued ** is usually issued and sold at a face value of 1 yuan, and the purchase starting point amount ranges from 1 thousand yuan to 5 thousand yuan, and it is easier to participate in the lower starting point.

Product term. Rationale: Banks' wealth management products generally have a fixed investment period, the shortest is three months, the longest can be two years, or even more than two years.

In the middle of the investment, except for the termination conditions agreed in the contract, the investment shall not be terminated in advance. Then to invest in this kind of product, you must first consider whether the funds are likely to be used in the short term. However, many wealth management products provide customers with pledges, and if you really need funds, you can also pledge the products to the bank for emergency purposes.

Base: In addition to the three-month closed period after the issuance period, which cannot be redeemed, you can apply for redemption to the company's channel at other times, and the use of funds is relatively flexible.

1.Income doesn't equal expenses: The first step in managing your money is to be clear about your income and expenses.

2.Establish an emergency**: Everyone should have an emergency** for responding to emergencies.

3.Control debt: Debt is the number one enemy of financial management, and it is important to avoid over-borrowing.

4.Learn to invest: Knowing some basic investing knowledge can help you make more informed investment decisions.

5.Control your spending: Keeping your spending under control is the key to managing your finances.

6.Plan for retirement: The sooner you plan for retirement, the more fulfilling your retirement will be.

7.Diversify: Don't put all your eggs in one basket, diversify your investments.

9.Don't blindly follow the trend: Don't blindly follow the trend when investing, and analyze rationally.

10.Learn how to manage money: Money management is a skill that needs to be learned, and you need to keep improving your financial knowledge.

4321 financial management law, that is, asset allocation can be divided into %, if a certain asset ****, reduce the total amount of such assets, and distribute it evenly among the remaining assets, so that it will always maintain a proportion of 4321. Here's how to do it:

This is a scientific investment and financial management method to control the monthly income of the family, whether it is personal or family financial management.

40% investment to create wealth: such as investing in **, ** and I am now doing Yue Guiyin and other assets with a higher rate of return, you can also choose open regular fixed investment, through automatic deduction investment every month to save time and effort, to achieve the effect of forced savings.

30% of food, clothing, housing and transportation: basic monthly indispensable living expenses. Food, clothing, mobile phones, etc. Of course, if you have a car, you will have to pay a gas fee, and if you have a house mortgage, you will have to pay a mortgage fee.

20% Savings Reserve: Usually deposited as a demand deposit, which can be easily withdrawn when needed to improve the quality of life. For example, one day when you are in a good mood, you invite friends and relatives to have two drinks and have a meal; Receiving a "Pink Bomb" or birthday invitation; Even in case of family emergencies, this is when the reserve comes in handy.

10% insurance: Buying insurance is a long-term arrangement, which is responsible for and protects your future life, especially to prevent unexpected situations that may be encountered by the main creator of household income, so as not to cause serious damage to the family economy. It is appropriate to have the sum insured (i.e. the amount paid by the insurance company after the accident) generally not less than 10 times of the annual income.

According to this law, it can be seen that investment and wealth creation is the key, and it is also a financial management method to make wealth increase rapidly.

Buy ****, it has fallen to a low point, I do it professionally, now a lot of funds are rising, the Federal Reserve will discuss interest rates again, and it will rise this week...

Most forex investments****.

In 2015, I chose to go to work with my feet on the ground, and this is how I manage my money.

The security of common investment varieties is arranged: bank fixed deposit - treasury bond - ** (Yue Bao is good) - foreign exchange (bank settlement and sale of foreign exchange) - ** - foreign exchange margin - **.

The higher the risk and the higher the return**, foreign exchange margin trading, **. Then now investing in real estate is too risky.

It is recommended to use the part with higher security, and it is most important to choose to keep your wealth in the event of an economic downturn.

Try to move gold, small moving gold is very happy to serve you.

Consider it comprehensively according to your personal risk appetite and the time of funds available!

1. If the risk appetite is very low, consider bank financial management.

2. Since there is a consideration of ** investment, it should still be possible to take a certain risk. Take advantage of the current large ** can be concerned, and if there are signs of stabilization, it is recommended to have an appropriate layout.

3. There are many P2P platforms, and the investment has been in place for two years, and the income is relatively good. For the average investor, a return of 12%-18% is definitely available. It is a good investment channel and is recommended to be configured.