How to manage money with about 200 yuan a month?

According to statistics, the monthly income of salarymen in second- and third-tier cities is between 200-400 yuan, and in this income range, it is most appropriate to take out 200 yuan per month for financial management. Next, I will explain how to make full use of these two hundred yuan to make a financial plan to achieve the role of compulsory saving.

First, deposit 100 yuan every month into Alipay's salary financial management. The annualized return is around, and many people ask, why not invest in the P2P platform, which has a 7-10% rate of return. Here I tell you why?

Because I save 100 yuan every month, the purpose of saving this 100 yuan is not to get high returns, even if I invest 10% in P2P, it is not much money. We deposit 100 yuan into Alipay's salary plan every month The purpose is to develop a habit of compulsory financial management, which is very important, in a year, you also have a deposit of 1200, and in the second year, you put 500 yuan of this 1200 yuan into the big P2P financial management. Then continue to save 100 yuan, and if your income increases a lot, you can save 200 yuan.

In this way, it is realistic not to use these financial funds under any circumstances. In 3 years, there will be 3,600 yuan.

Second, there is 100 yuan left, do **regular investment, choose a hybrid **, it is now January 2019, **at 2500-2600 points, and now it is**bottom range** suitable for regular investment, at this time it will start regular investment, 100 yuan per month. **If you can invest below 2700, you can have at least double the return for 3 years.

About 200 yuan per month, one is to buy the bank's zero deposit and withdrawal, and the other is the regular investment**, the regular investment ** is higher than the bank's interest in the whole deposit and withdrawal, I personally think that the regular investment ** is still better.

In my opinion, 200 yuan a month can also be managed by money, although it is relatively small, but it can also accumulate a lot. It is recommended to take a look at some on a regular basis.

The financial management method of 200 yuan per month is actually very simple, which is to plan what you usually eat, and if you can have any money left, save this money. But if you can't go up, then you can only look at it correctly.

I don't think there's a need to manage money with 200 a month, because the funds are too small, so it's better to save them.

It's about 200 yuan a month. With reasonable financial management, reasonable arrangement of their own use methods.

Hello, glad for your question. How to invest 2 million yuan in financial management, I will talk about my views from the following aspects.

One. Take the initiative to learn about financial literacy on your own. By reading books related to financial management, or through online channels, you can understand the different characteristics of different financial products such as bank deposits, **, **, etc. Accumulate financial knowledge and cultivate financial awareness.

Three. Establish a correct concept of consumption. Rational consumption, not impulsive, not following the trend, not blind, not to compare, not to be a moonshine family.

Four. Correctly understand the relationship between benefits and risks. According to your own risk tolerance, choose the right financial products for investment.

Five. Guarantee the liquidity of funds. If you have idle funds on hand that you don't need to deposit in bank fixed deposits, the remaining part of the activity funds can only be called upon, which can be put into various currencies**, which is convenient to use and can also have income.

Six. Investing in financial management to make money is not something that can be completed overnight, and you need to lay a good foundation to go further.

The above mountain models represent personal views only. Hope mine is helpful to you.

Refers to Kai. <>

2 million deposited in the bank, if it is a demand deposit, the interest rate is, then the interest rate is 7,000 yuan a year. If it is a fixed deposit, taking the one-year fixed interest rate of ICBC as an example, the one-year interest rate is 35,000 yuan.

The deposit interest rate of each bank is somewhat different, but they are all floating on the benchmark interest rate, if it is a demand deposit, the current demand deposit interest rate of the four major banks is empty, then one year interest = 2,000,000 * yuan; If it is a time deposit, the current one-year time deposit interest rate of the four major banks is different, taking ICBC as an example, the one-year fixed interest rate is, then the one-year interest = 2,000,000 * yuan.

If 2 million deposits in the bank are bought for a one-year wealth management product, usually the interest rate is 3%-5%, then the one-year interest = 2,000,000 * 4% = 80,000 yuan.

The above three ways are all stable income of financial management, if the bias is low risk, hungry investors with stable income are recommended to choose the above three ways to deposit in the bank.

Investment channels include depositing bank fixed-term, buying, buying, buying bonds, making options, and so on. If you are in the current economic situation, the best way to manage your money is to put your money in the bank. In addition, the most important thing to do in investment is to allocate assets reasonably, which is commonly known as not putting all your eggs in one basket.

If you put 10,000 yuan in financial management, no matter how high the level is, you can only earn a few yuan a day, and if you want to earn 300 yuan a day in financial management, you need to invest at least 3 million or more.

If you rely solely on currency** and fixed deposits, you need a lot of money to achieve a daily income of 300 yuan.

Buy it, the risk is high, it is possible to make a lot of money, and it is also possible to lose more than half of the principal.

The more moderate approach is to buy **, adhere to regular investment over time, do not chase the rise and fall, and basically make money after a long time.

Extended Information: Wealth Management Products of Banks.

According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot guarantee principal and interest. Of course, not promising to guarantee principal and interest does not mean that wealth management products have great "risks", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of the product.

There are five main levels of bank wealth management: R1 (prudent), R2 (prudent), R3 (balanced), R4 (aggressive), and R5 (aggressive).

R1 is also a common low-risk wealth management investment product, and the main investment channels are low-risk investments such as treasury bonds, insurance wealth management, large-amount certificates of deposit, and bank wealth management;

R2 is also a common low-risk wealth management product, and it is also the mainstream product of bank wealth management in the market, mainly investing in low-risk, medium-risk and low-risk products such as treasury bonds, reverse repo, insurance wealth management, large-amount certificates of deposit, bank wealth management, currency**, trusts, etc.;

R3 level, the common medium-risk wealth management products, increase corporate bonds, but also invest a certain proportion of **, commodities, foreign exchange, etc., the proportion of investment in high-volatility investment is less than 30%. Because there are highly volatile investment products, the principal may be subject to a certain discount;

R4 level, a common medium and high-risk level of wealth management products. On top of R3 investable products, the proportion of funds invested in high-volatility products can exceed 30%.

R5 level is a high-risk level of wealth management products, without any investment restrictions, and can even use leverage, grading, and derivatives for investment.

Choose a product that suits your income objectives, risk appetite, and liquidity requirements.

You can also pay attention to the "smart bank deposits" of small and medium-sized banks, and enjoy the protection of deposit insurance (according to the provisions of the "Deposit Insurance Law": individuals enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank), and the "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and higher interest rates than general deposits.

1. Bank current wealth management, currency**, etc. These products are highly liquid, with a risk level between very low risk PR1 and low risk PR2, with capital protected or non-principal protected and floating returns. It is suitable for a wide range of people, with a large sales volume and a good market response.

2. Level 2 low-risk regular financial management. It is suitable for people who are stable and above. The principal is affected by risk factors, the probability of loss is small, and the probability of income cannot be achieved is small.

It is the mainstream of bank wealth management products. 3. Structured deposits. Capital preservation, floating income.

Security is relatively high and popular.

When you have more than 100w in your account, you can just put it in Alipay and earn more than 30 yuan a day, according to the situation of more than 1w yuan, 100w can get at least 50 yuan.

If you keep 3 million in the bank, the interest will be almost 100,000 a year, and almost 300 a day.

It depends on how much principal you have to use for financial management.

Buy bank fixed deposits, deposit Yue Bao.

Buy low- and medium-risk wealth management products, buy high-end wealth management products, and buy bonds**.

etc. 1. If you deposit Yue Bao and earn 300 yuan a day, the current annualized rate of return of Yu Yu Bao.

Yes, 10,000 yuan is almost a yuan a day, and if you want to earn 300 a day, you need 5 million funds, that is, if you have 5 million financial principal, you can earn 300 yuan a day by putting it into Yue Bao.

2. Purchase bank fixed deposit, bank fixed term is different for each bank, we calculate the highest, currently in the bank deposit.

In the case of a decline in interest rates, generally 4 points a year is considered high, so that 10,000 yuan has 400 yuan a year, and the average is 1 yuan per day, like earning 300 a day, you have to have 3 million financial principal.

3. Buy low-risk wealth management products, low-risk wealth management products, there are many in Alipay's wealth management products, and the highest return of low-risk wealth management products is only more than 4 points, so it is similar to bank deposits, like earning 300 yuan a day, and also needs 3 million financial principal.

4. Buy high-end financial products, if you really have millions of financial principal, and want to pursue high returns, you can actually buy high-end financial products, in Alipay, high-end financial products generally refer to trust products, the income is basically at 6 points, starting from 300,000 yuan, if calculated according to 6 points, the daily income is 300 yuan, and it only takes about 1.8 million to reach.

5. Buy bonds, bonds are also very reliable financial channels, and good bond income is actually similar to trust products, or even higher, and buy and take out more flexible, trust products have a closed period, but the purchase of bonds ** It is recommended that friends who pursue stable income buy pure bonds**, with low risk and stable returns, and if the daily income is 300 yuan, it will almost require 1.8 million capital investment.

Extended information: 1. Investment and financial management.

Investment and wealth management refers to the use of wealth management products such as savings and bank by investors through reasonable arrangement of funds.

Bonds, bonds, foreign exchange, real estate, insurance, P2P, culture and artworks and other investment and financial tools for individuals, families, enterprises and institutions.

Assets are managed and allocated to achieve the purpose of maintaining and increasing value, thereby accelerating the growth of assets.

2. The term investment and financial management was first seen in the newspapers in the early 90s of the 20th century. With the first bond market in our country.

With the expansion of commercial banks, the increasing enrichment of commercial and retail businesses and the increase in the overall income of citizens year by year, the concept of "wealth management" has gradually become popular.

Operating environment: Apple 12, ios14, Alipay version.

Several people around me have told me that if you want to manage your finances, you must do it as soon as possible, the sooner the better, in fact, most people don't have any financial planning, and they can't help but buy a lot of unnecessary things at home, maybe after using it once or twice, they have never used it again, such as bags and shoes bought by women, and SLRs bought by men.

So, in most cases, I think too well, and you may not be able to save this 1,000 yuan a month.

When should you start your regular investment?

There is no doubt that from now on, it will never be too late. Why should you start? Regardless of the beautiful vision of making money through financial investment, even if we don't want to do anything, how much money do you need to spend after retirement?

Suppose you are now 35 years old, with an annual income of 10,000 yuan, retired at the age of 50, and need to receive a 35-year pension, and you can receive 6,000 yuan from social security every month, in order to keep your quality of life from declining, in these 30 years, your pension gap is 4.02 million yuan!

So, even if you don't want to do anything, you want to earn income through your salary, but the problem of pension is also something you can't face, maybe you didn't realize it before, and you don't know how much it will cost, so I used a calculator to help you figure it out.

How much money to invest?

How much money is the right amount to invest? If you're a newbie, you might as well try 10%-20% of your monthly salary, or you can consider using your incremental salary to invest in your finances, which is exactly what I did.

What is incremental pay? For example, your year-end bonus or additional labor benefits, or the boss has given you a salary increase this year, for example, if it has increased by 1,000 yuan per month, then you can use the 1,000 yuan to make regular financial investment.

Why can incremental wages be tried? Because usually according to our original standard of living, you can still maintain your household expenses even if there is no incremental part. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But if we take it differently and use it for financial management, wouldn't this arrangement be better?

I think it's a good idea, and that's how I put it into practice.

Of course, if you are not a novice and already have some experience in investment and financial management, but you may not know how much to take to manage your finances, and you feel a little unplanned, then I can also give you some reference suggestions.