How do ordinary people manage their finances and make a fortune with the highest returns?

In recent years, the bank's deposit interest rate is getting lower and lower, and the money in the bank is equivalent to depreciation, so ordinary people must learn to manage their finances, and I basically divide the deposit into several parts, one part of which is placed on the online P2P platform, although there are many P2P is not reliable, but if you carefully distinguish that there are still some more reliable platforms, generally the interest rate of this platform is more than 10%, and the income is still very considerable.

There is also a part of the money I use to invest**, although the **volatility is large, but the general bank** is still very stable, there will be a certain amount of dividends every year, if the ** is better, the income will be great.

There is also a part of the money I put in the Yu Yu Bao, now the interest rate of Yu Yu Bao is about 4 percent, although it is not very high, but compared to the bank deposit is still a lot higher, it is because of the price **, the depreciation of the RMB, so that we ordinary people must learn to manage money, in order to be able to resist the depreciation of the RMB, so that their assets continue to increase.

<> 2017 is history. There is a saying that "history is often strikingly similar". As ordinary people, can we draw conclusions that are beneficial to future investment value preservation from the comparison of various investment returns in 2017?

1. Bank deposits: calculated at the fixed one-year interest rate, the current bank fixed interest rate is 1 million yuan with an annual interest income of 10,000 yuan;

2. Bank investment and wealth management products: Most banks have their own wealth management products, and the annualized rate of return is slightly different, generally between, that is, the annual interest income of one million yuan is between 10,000 yuan;

3. **: Taking China's ** pure gold jewelry as an example, at the beginning of 2017, it was 327 yuan per gram, and at the end of the year it was 345 yuan, with an annual increase of 1 million yuan, that is, an annual premium income of 1 million yuan. However, due to the difficulty of realization, the uncertainty of the investment, the investment is only a theoretical premium.

4. **: In 2017, the SSE 50 annual **, the CSI 300**, the small and medium-sized board index, the Shenzhen Component Index**, and the Shanghai Composite Index, only the ChiNext fell against the trend throughout the year, and the decline of the ChiNext Composite Index reached. That is to say, if 1 million enter the market at the beginning of the year, the theoretical average income is more than 10%, the index effect of ** stocks is obvious, and the gem has fallen hugely, so the actual annual ** profit is not much, but there are many people who lose money, and it is impossible to determine the amount of income from investing millions.

5. Real estate: The national real estate ** data as of the end of December has not yet been released. From January to November 2017, the sales area of commercial housing in China was 100 million square meters, a year-on-year increase.

Taking first-tier cities as an example, housing prices in Beijing have risen sharply. In November, the average transaction price of real estate in Beijing was 53,166 yuan m2, compared with 40,298 yuan m2 at the end of 2016. However, in 2017, housing prices in Guangzhou and Shenzhen fell steadily. The average transaction price of real estate in Shenzhen was 58,901 yuan m2, compared with 61,394 yuan m2 at the end of 2016, and the house price decreased.

Therefore, investment real estate in 2017 has appeared a situation of fire and water, investment risk is extremely high, and the investment cost is high, the amount of capital is required, not the small people can control, here is not much to talk about.

To sum up, ordinary people should obediently buy some bank wealth management products, which is the most feasible way to maintain investment value!

In China's economic development, real estate investment has always been the most stable and highest-yielding investment project.

Although there have been many regulatory measures for real estate in China in recent years, the effect is not obvious in the short term.

Maybe in twenty or thirty years, the house will be rotten and worthless, but at least this investment project is still hot now.

The boom in the real estate economy stems from the consumption habits and family composition of Chinese.

People in our country like to invest in real estate, what kind of housing, store housing, apartments, office buildings, and now even underground parking spaces are invested.

We think that the house is the most tangible wealth, different from the virtual numbers of ****, the house I don't sell it and can live, I don't rent the store I can open a hotel to generate secondary income, and so on Some concepts are deeply rooted in the minds of the Chinese people.

Let's talk about family composition, more than half of the Chinese buy houses for their children to get married, and the children's children also want to get married, so invest in a set of just need apartment types, and wait for the surrounding facilities to be perfect, no one is worried about buying.

With the gradual acceleration of urban development and the improvement of urban planning, the connection between urban areas is no longer disconnected.

Therefore, you can take advantage of the fact that some surrounding real estate projects are still in the subscription stage to subscribe for a set of investments.

First of all, the surrounding new projects are preferential, and secondly, after the supporting facilities are perfected, they will definitely soar, especially in the office buildings and apartment projects next to the economic development zone or university town, it is a good choice to open a company or rent it out.

Ordinary people need to manage their finances, and the purpose of financial management is to plan for their future financial security and financial independence. Through financial management, ordinary people can achieve goals such as better financial management, asset growth, and risk aversion, thereby improving their quality of life and achieving financial freedom.

Here are some reasonable ways to make money:

1.Control consumption and spending: Ordinary people should be aware of their expenses and income, make a reasonable budget and spending plan, and reduce unnecessary expenses as much as possible and maintain their savings.

2.Investment: Ordinary people can achieve asset growth through investment and financial management, such as investment**, **, **, real estate, etc. However, you need to pay attention to the risks of investment and choose the investment method that suits you.

3.Asset allocation: Through asset allocation, funds are invested in different types of assets, such as **, bonds, currencies, real estate, etc., which can effectively reduce investment risks and obtain better returns.

4.Saving: Ordinary people should set up an emergency reserve fund to deal with emergencies and unforeseen situations, and prioritize saving even in case of difficulties and saving and preserving capital.

In short, ordinary people need to understand their financial situation, reasonably plan their income and expenditure and assets, and choose the most suitable financial strategy for themselves according to their financial goals. The same applies to financial management skills and tools, such as financial knowledge, investment experience, financial management tools, etc.

Here are some financial knowledge that the average person should know:

1.Saving. Keep a portion of your income in the bank in case you need it.

2.Make a budget. Create a budget plan to keep your monthly expenses affordable, save money and plan your long-term and short-term goals.

3.Investment. Learn the basics of investment, and consider choosing some investment tools with moderate risks, such as **, **, investment in real estate, etc.

4.Borrow responsibly. Assess your ability to repay before borrowing, and repay on time to avoid over-indebtedness.

5.Learn about taxes. Understand your tax obligations and preferential policies to minimize your tax expenses.

6.Protect against scams. Be vigilant and avoid investing, sending money, or giving out personal information on platforms that are not authenticated by any of them.

Most importantly, managing money requires time and patience, and you need to constantly learn and adjust your plans and strategies. Always be rational and cautious, and adapt to market changes to achieve your financial goals.