What is the best way to manage money? 200

Your financial management model should be positioned, in fact, according to the actual situation, as far as my personal opinion is:

Before graduation, there should be a fundamental change in the student deposit model after graduation, now you basically have nothing, don't think how college students can do it, in fact, it can only let you do 99, so after graduation, you should use all your energy and money for your life investment, because you have the body and mind to do capital, and even have a family, you must learn to cultivate and exercise your ability and mentality to take responsibility, which is the key to a person's difference, which is not made up by knowledge alone. If you only think about what to buy a house appreciation, dividends, insurance deposits, etc., then your personal investment is actually unsuccessful! (Of course, this is just my personal opinion).

I have a lot of personal financial details, a small amount of fixed deposits (emergency, such as minor illnesses and disasters), public welfare undertakings (to subsidize poor students), accident insurance (because of the nature of work), and investment (driving, nutrition, small foreign languages, computers, logistics, medicine, finance, foreign trade, etc.), let's talk about so much first! Hope it has a reference for you! Most of my friends have not saved a few dollars in ten years, but they are very fulfilling and have a lot of accumulation!

At present, there is a saying in society that stay away from drugs and stay away from **.

Foreign exchange is currently the most popular investment method and is the largest investment market in the world.

There are two kinds of foreign exchange trading, one is the bank's foreign exchange treasure, the spread is about 40 points, can only buy up, can not buy down, is a real transaction, the use of funds is large, risk control is difficult, less profit, basically to help the bank make money. Pros, stable income. The other is foreign exchange margin trading, which can be bought up and down, virtual trading, using small funds, easy to control risks, and making more profits, but if there is no stop loss point when you lose, you will lose a lot of money by luck.

High returns must come with high risks! Investment mainly depends on whether the risk is controllable or not. Suppose the customer opens a foreign exchange treasure and foreign exchange margin trading account at the same time, and the capital is 17,457 US dollars each.

The client went long GBP at 16:30 on 2005-10-11 and closed GBP at 17:49 at GBP. (Customers use the foreign exchange trading platform to operate with full positions, and only use the minimum transaction amount of 1,000 US dollars in foreign exchange margin trading).

1) Comparison of the transaction process.

A: When the exchange rate is at 16:30 Beijing time

Foreign exchange treasure trading process Foreign exchange margin trading process.

17,457 US dollars equivalent to 10,000 pounds sterling 1,000 US dollars is one lot to increase the pound B: when the exchange rate is (17:49 Beijing time).

10,000 pounds equivalent to 17,557 US dollars to close the position of the transaction to increase the pound sterling C: the transaction is settled.

Profit of $100 and profit of $625.

Compare the size of the winning rate of the two investments. Myself.

If you want to have a lot of money, you can **.

If you want to make a steady profit, buy **.

I want to buy bank wealth management products more steadily.

Finally, save money for interest.

Good luck.

My opinion is.

It's not appropriate for you to save too much money every month.

I've read a book.

In the Jewish Business Path, there is a method called "financial management".

Say that all the money you earned, you spent it again.

You're working for the money.

You end up with nothing left.

The book advocates that people should enjoy the pleasure that money brings you.

Suppose you owe someone money.

You take out 30% of your debts every month.

Until it's over. If you don't owe, you will take out 10% of your salary every month to save.

In fact, 10% can be said to be not much at all.

It makes the most sense this way, and you don't feel too much.

I can't accept it. If you save too much, say 30%, you will feel that you have too little money (or if you owe money).

May not be enough to spend.

And he took out the flowers from the bank.

That's not necessary.

It's not scientific, 10% is the best.

You can think about it.

You save 250 yen a month.

Then there is 250*12=3000 in a year

That way you have a small savings.

Suppose you want to invest.

I think we should find a more stable one.

I would like to recommend to you the bank's wealth management program.

Such as trusts. The bank will help you manage your finances, and the risk is relatively small.

It seems to be up to 12 percent

If you want to buy stocks.

The risk is even greater.

It is also necessary to have the corresponding technology.

Of course, the profit is greater, and in good times it can be doubled several times a year.

There are also those who have lost their money.

I think if you use these thousands of dollars to buy stocks, you are a small shareholder, and you are very oppressed by others.

It's up to you to choose.

I still prefer bank management.

There is no or relatively little risk.

The profit is not bad.

Much higher than the interest.

Just go to the bank and ask.

They are much more professional than me.

Okay, that's it.

I wish you a lot of money with little money.

More and more.

1.If you have the necessary expenses, you don't have to be too aggrieved about your life.

2.Buy a health life insurance and pay it in a lump sum every year.

3.The rest of the money to buy a fixed amount of regular ** products, monthly payment, 500 yuan per month, you can accumulate money as a long-term investment.

I don't know your entertainment and your environment, I didn't send you a plan, but one thing is for sure, the main thing is to control the desire to buy in essence, but when it's time to call for money, you can't pick the door, that's it.

**Regular investment - can be handled by major banks. Make an appointment with the bank on the date and amount of the deduction, and the bank will take the money from your account to buy on that date of the month**.

China** is a long-term bull market, so the returns will definitely be good

Investment insurance. I recommend that you compare several insurance companies and choose the one that suits you best and is the most affordable.

You can try Xinhua Insurance, because this company is smaller than Life Insurance and Ping An, so there are many preferential conditions.

No matter what kind of money you choose, it's important to plan your living expenses.

1.Establish a ledger to record monthly expenses and constrain yourself to spend.

2.Keep working hard and strive to keep earning!

3.Extensive study of investment knowledge such as **, foreign exchange, **, **, bonds, etc., to lay the foundation for the future.

At this age, the more important thing is that if you have greater development in your career, then you will have a stronger foundation for financial management!

Well, this is also a science, I have seen it"Burning youth", Lei Junfan there is very good at managing money, but that's just **, of course, it can't be compared with real life.

In fact, you can have a good concept of consumption, don't buy things that you regret, even if it's cheaper, you have to control it, and what you buy can help you. When you are uncertain about shopping, you can consider whether you really need it, you can also shop around, and of course, you can spend a little time once in a while.

And you can also plan your salary, for example, try to write down the accounts, as long as you are willing to spend a little time, like I also keep accounts at school, so that you will have a rough impression of where you are also spending, and if you have time, you can calculate it well.

You can also plan how much you will use in the next month.

It's best to keep it under control. If you can't do it, you will punish yourself a little, punish yourself for not eating what you like to eat, etc

If you have money, spend it, the more money you spend, not the more you save. Money is earned back, not saved. Only if you will spend money will you make money back.

If you can't control the desire to spend money, then deduct 30 per month from your salary and deposit it directly in the bank for a fixed period of one year, so that you can't withdraw it and don't spend it, and then you can drip into a river, more and more.

1. Budget the minimum amount of money spent per month;

2. Multiply the number of 1 budget by 80%;

3. Deposit all the numbers obtained by the monthly salary plus 2 into the bank, 4. Swear not to withdraw the money deposited in the bank until the critical time of life and death, 5. Of course, you must swear a heavy oath, for example, if you go to the bus station to run naked, 6. Let everyone around you know your oath to supervise your execution, 7. After doing the above points, you can save money, 8. Then it is the question of how to invest your money, 9. When you do the above points, you will study which investment is more suitable for you, such as**, **, **, insurance (I personally don't recommend insurance, it feels similar to buying a lottery ticket);

10. If you still don't understand, you can add me msn to you, I like to make friends

For insurance, you can refer to the insurance and wealth management business of some insurance companies.

Chinese Life and Xincheng Life are good.

Investment and wealth management refers to the rational arrangement of funds, the use of investment and wealth management tools such as savings, bank wealth management products and other investment and wealth management tools to manage and distribute the assets of individuals, families, enterprises and institutions, to achieve the purpose of maintaining and increasing value, so as to accelerate the growth of assets.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Depending on your own situation, such as risk appetite, life development stage, etc., of course, if you are troublesome, you can do one.

In addition to the familiar Yue Bao, what other good investment methods can you choose? However, today, the 7-day annualized rate of return of the Internet baby wealth management product represented by Yu Yu Bao has fallen to 4

Nearby, the high-yield limelight of Yu'e Bao seems to be difficult to sustain at present. The security of bill wealth management is similar to that of the currency represented by Yu Yu Bao, and the bill treasure has launched a high-yield bill wealth management product with an interest rate of 7%-10%, which has attracted the majority of investors to participate in investment.

Consult a professional, choose a financial management method that suits you, and choose rationally!

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.

You can learn about Zhongyi Loan, the P2P industry that is more popular now, and I personally feel that it is still relatively good!