What are the ways to systematically invest in young office workers?

Invest in yourself, determine the direction of your career development, and continue to learn relevant professional skills, even if sometimes the study cost needs 4900 and the total savings amount is only 5000, you must persevere.

First of all, I think I can put aside a small amount of money to buy insurance. Insurance this thing, once you need him when you will find that he can bring you a very big return, and secondly, you can buy some ** appropriately, if you have experienced colleagues or friends, you can follow him to make some simple investments.

Being young means having capital to invest in. It can be invested with greater risk. For example, **, Internet finance peer-to-peer lending platform, etc.

Of course, because you are young, the best way to invest is to invest in yourself. When it comes to investing in yourself, there are many ways to plan for the future. Of course, you can also try a variety of ** and so on.

The way to systematic investment is to diversify, save living expenses after getting your salary every month, and then invest in different risk products, so as to maximize returns.

Young. This means that there is not much savings and very little initial capital to invest. It also means that it is impossible to do ** trading, even if the short-term technical annual return can reach 100% (which is already very high for ** trading), the real capital income is not much, so you can only take long-term investment.

Although the same is an office worker, but each situation is different, the specific investment still depends on the amount of personal funds and knowledge reserves, not a single investment product is suitable for everyone, but according to the specific situation of the individual to make a reasonable choice and arrangement, it is recommended that the investment of younger office workers can refer to such as currency, fixed investment, etc., after mastering a certain amount of financial knowledge, you can pay attention to Internet investment and financial management.

Money is a virtual economy after all, hope to learn and then rely on this to make a fortune is not practical, if the work is not busy, personal speculation, eighty percent of the income is limited, the future personal competitiveness will also be affected, it is recommended to learn some real money skills, in the future to start their own business or change jobs, through the entity to make money is the real money.

1. Determine the investment goal, investment and financial management is a big theme. There is a difference between investment and wealth management: investment is more focused on the rate of return, while financial management is more focused on planning.

2. Understand the basic knowledge of investment, determine what you can buy, and how much risk you need to take when buying. 3. Develop a long-term investment plan.

Most people don't have very high incomes and are more diversified in assets; Lack of financial knowledge and dislike of complex investments; It is better to accept high-risk investments, and it is best to ensure the return on the premise, the higher the better. Therefore, according to the above characteristics, I recommend bank wealth management products: this is a more traditional way, and it is also relatively safe.

The annualized rate of return is currently around 4%. It is more convenient for office workers. The disadvantage is that the threshold is high, generally 50,000.

Yu'e Bao currency**, the current yield is getting lower and lower, probably less than 3%, the yield is low, but the liquidity is good, and it can be withdrawn at any time. Internet regular wealth management products, the yield is higher than the currency, about 4% to 5%, I recommend it, safe and convenient. Internet insurance, universal insurance, is higher than fixed deposits, but the risk is also a little higher.

If it's 1,000 yuan, congratulations, in addition to buying an insurance, the rest can also be saved for a fixed term, if it's 10,000 yuan, then there will be more choices. At this stage, the first choice is bank regular financial management, and the second choice is the cargo base, and P2P investment is not recommended for the time being. The purpose of buying bank wealth management products is not how good the bank's products are, but more to establish communication channels with the bank's professionals, so as to obtain more financial information, killing two birds with one stone.

First of all, let's talk about the basic meaning of investment, after all, many people know about investing, but they don't know how to do it. Financial investment is based on sound analysis, for the principal and income can be estimated to a certain extent, and the funds are invested in those targets that are expected to increase. But the ideal is to make money, and many times it backfires.

We need to be objective about that. The investment areas include real estate, financial investment (**, **, insurance, foreign exchange, bonds), and even your fixed deposit in the bank is an investment but the return is relatively low. Even if you open a restaurant with your friends, it can be called an investment, after all, you hope that the existing money can appreciate when invested.

Long-term investment requires a stable, open, and systematically invested market and varieties, so we need to be further screened. First of all, exclude the P2P market, which does not meet the two conditions of stability and openness at all. Then excluding bonds, the bond market needs to wait for the right investment opportunity, and the long-term yield is not high.

From the perspective of long-term returns, the most suitable should be**, but direct investment** is very risky and requires a lot of time investment. We can indirectly achieve the purpose of investing in a certain index, because the index is a basket collection, so the volatility is smaller, and the long-term investment return is also high, so we can indirectly invest in the ETF on the floor.

1.Financial wealth management products2.Buying a house

3.Invest in yourself

The main income** of the vast majority of people is salary. Therefore, it is still very necessary to improve one's ability. Buy more books, study more, participate in various professional training, improve your work ability, let yourself have a skill, can make yourself continue to add value, and can get higher salaries and positions by jumping to large companies.

The specific investment still depends on the amount of personal funds and knowledge reserves, and it is not a single investment product that is suitable for everyone, but it is necessary to make reasonable choices and arrangements according to the specific situation of the individual. The investment suitable for younger office workers can refer to the following directions.

Short-term fixed income financing. You can try to carry out short-term 3-6 months of financial management, this kind of financial products have a relatively fixed income, the income is not bad, and the liquidity is slightly poor. You can put the money that you can't use in the short term for 3-6 months, which can not only force your own savings, but also enjoy a certain amount of investment and financial income.

The very important thing about this investment platform is to choose the right product, and it is very important to ensure the safety of funds.

Invest in an index**. The fixed investment of index ** is the most suitable for lazy investment, and a fixed investment of money into a certain index ** every month or week can be done, and there is no need to spend time watching the market every day. As long as you hold it for a long enough time, there will be returns, because the attributes of the index** determine that only if you hold it long enough, you will definitely be able to make money.

Of course, when making a regular investment in the index, it is very important to choose a good one, not just to choose a ** for investment, but to choose a higher return, better development in the future.

For young office workers, it is more important to improve their work ability, and they need to continuously accumulate investment-related knowledge and experience in investment.

It's good that young people have this idea.

First of all, because young people don't have much social experience, how to say that the income is not too high, for the family, parents can still go to work to make money, so they don't have to give money to the family often, but they can't spend all their monthly wages and be a moonlight family.

Secondly, if you are not married, it is best to get a new bank card, don't get online banking or anything, regularly save part of the money in your salary, and don't use it unless it is very urgent.

I also have another investment channel, that is, the credit card will sometimes call you, recommend you some of the first few sets of RMB, or what commemorative coins, those do have room for appreciation, buy back and store for a period of time, it is definitely appreciated, that as long as you buy, the credit card will be automatically installed, and then it will be repaid regularly, which is also a good investment channel.