23 years old, unmarried, with an average monthly income of 8 9 thousand yuan, how to manage your fin

According to your situation, I give you some advice, I hope it is useful:

1.Banks are constantly raising interest rates, so don't think about it for the time being, or consider the relative depreciation of CPI (consumer index)** under inflation.

2.Leave yourself some emergency living money first, which is about 30% of your monthly salary! - Cash-out available at any time; In addition:

Your monthly salary is about 7 times the amount of money saved for 3 months, but your situation is a little unusual, x7 = others take out some participating insurance, which is the trend of national social development! For example, 3-5 years of savings dividend wealth management products. The approximate benefits are:

Bank interest + dividends + 2 other accident insurances! For example, if you invest 5w every year for 3 years, it is 15w, and the maturity income is about 17-18w! In addition, consider the repayment of the loan after marriage.

You have plenty of ways to secure your repayments! Some insurance and wealth management products can borrow from the policy without affecting the dividend income!

3.Help you do the math, your annual income is about 10w. Excluding living expenses, 2kx12 months = 2w5 + reserve 3k, that is, you can have about 7w of money, you can use it to invest!

**Regular investment can be invested 20%, that is, 1w5--2w! **t+d, I'm not very optimistic, after all, this thing is too far away from us, and there are too many uncontrollable factors. The reason why it is recommended that you buy some insurance is that society is developing, science and technology are advancing, and the pace of life is accelerating.

1 5 make **regular investment, 1 4 enter**, 1 3 invest in gold and silver coins or collectibles, and the rest is at your disposal.

Investment and financial management. Nowadays, there are many financial products, and the one that suits you is the best!

Now the bank's **TD is open to us personally, and **TD has several advantages compared with **TD: 1. Margin trading, only one-tenth of the guarantee and pretending to be gold, you can make a real investment; 2.You can also go short (sell first and then buy), that is to say, even if you grasp the trend, you can also make money, and you can choose one more direction than **, no need to wait; 3.

Even domestic gold is also international gold, and the daily trading volume of international loss gold is tens of trillions of US dollars, so there is no market maker control, and the market is very fair and transparent; 4. It can also be traded at night. Trade, buy on the same day, can be sold on the same day.

You can also short, that is to say, even if you grasp the trend, you can also make money, and you have one more choice in the direction than paper, so you don't need to wait. 3.Low handling fees.

**TD can also be traded at night, which is very suitable for daytime office workers!

**TD, Minsheng, Industrial Bank, ICBC, and Shenzhen Development Bank can all do it! Our company is now cooperating with Minsheng, Industrial Bank, ICBC and Shenzhen Development Bank, and is the authorized service provider of these banks. Different banks have different handling fees and margin ratios!

In fact, it doesn't matter which banking platform you invest in, what matters is professional information services.

We are Shanghai Qianjiaxin company, specializing in doing the best for decades, with a large professional team, and a good grasp of the market trend. Our company cooperates with the above 4 banks and is the authorized service provider of the bank. That is to say, the investment **T+D is through the platform of the bank, and our company only provides services to customers (professional information, market shortcomings**, operation advice, technical guidance, and watch software).

If you go directly to the bank, it is recommended that they do not provide the above services, and there is no software to watch the market. But with us at the bank, we give you a service, and it's free. It's just that the bank has to pay us some fees.

In fact, the most important thing in investment is professional service.

Hello! According to your situation, you can consider making **investment, and now it is more advantageous to do **investment, in **investment varieties, spot ** has more advantages than other**investment:

2. Simple operation mode: single variety, buy low and sell high, simple operation, whether the customer has a foundation or not, can participate in the investment, the market is global, there is no human manipulation.

3. Flexible trading mechanism: two-way trading, you can go long or short.

4. Low trading costs: Compared with the investment fees of other investment products, the investment cost is low.

5. Reasonable trading**: synchronized with the international market, fully screen the actual changes in the market, and carry out the international gold market in real time.

6 Free delivery method: There is no limit to the delivery time.

7. Greater investment space: Through the "prepayment" buying and selling method, the customer's capital utilization rate can be fully improved and the profit space can be improved.

8. Strong value preservation and appreciation: **It is one of the best value preservation products from ancient times to the present, with great appreciation potential; Now that global inflation is intensifying, the function of value preservation and appreciation can be better played.

10 Limited risk: Unlimited profit margin: Customers can lock in each stop-loss order with limit orders with the right investment techniques to reduce trading risks.

1. First of all, the reserve is about 10,000, which can be used to buy currency** to make full use, and the currency ** has good liquidity and a short redemption time can be reasonably used.

2. You can buy several ** including ** hybrid bond ** Due to the young age of the family in this case, the investment ratio is 50%** 40% hybrid** 10% bond ** Adjust in due course!

3. The total income of 4500 per month is 1000 yuan minus the monthly expenditure, and the remaining funds are 3500 yuan! You can choose to invest regularly** You can choose 3 branches** It can be an index type** Mixed type** Each fixed investment is 8 yuan and the continuous regular investment time is 18-30 years! It can be fully prepared for the future pension and children's education reserve.

There are 1,100 yuan left. You can buy insurance, it can be participating insurance, and there is medical insurance and pension insurance! Approximate premium: 400 yuan per month, accounting for 10%-20% of total income, and the remaining funds can be accumulated regularly**400 yuan for long-term investment!

The remaining 300 yuan can be used to save travel funds and travel regularly!

Personal bookkeeping with the palm of the purple cow. A very good accounting software! Bills anytime, anywhere, and scheduled! Virtue Practice! Vision prescribes!

Considering that the amount of funds of the landlord is not too large, and it is obtained in a monthly way, in order to cope with the daily emergency needs, a part of the idle funds (such as 1000 yuan per month) can be deposited in the bank, and set to a certain amount (such as 5000 yuan) to automatically convert into a regular mode, so that you can maximize the bank interest and can cope with the needs of the time. The remaining 2,500 yuan or so can choose to try some investment methods, such as buying treasury bonds of different maturities, or buying a certain amount of **. It is not recommended to invest too much in a diversified manner, and it is better to choose one or two investment methods.

You're only 24 years old, so you're young. The monthly salary is 2800 yuan.

Try to keep a steady job. There is no stable income without a stable job.

If there is a job that suits you better and pays more, you can also quit the job.

Living within your means, how much money you earn, and spending no more than that. There is also a slight balance. It is your responsibility to give your parents pension money. Dust is left here.

Low level of life, high level of work" is the spirit of Lei Feng, let's not forget.

Go to the silver to destroy the auction bank to deposit a fixed term, 3 months, how much is left. And when you use the money, you don't feel sorry for the interest.

I don't know if you have many friends, but you should have a few hundred yuan on your body to deal with your usual entertainment.

Or, like the young man in our unit, he will pay all his salary to his family and ask his parents for the time he needs.

It is also advisable to buy some life insurance and save some money for emergencies. Paixun.

The rest is a regular investment for buying. It's the experts who help you manage your money.

Then enrich yourself and let yourself live a chic life.

Hello! If you have a certain amount of idle funds, you can consider doing spot investment, and now spot investment is also more advantageous:

1. The investment target is the national economy, not the performance of listed companies.

- Therefore, it is not easy to do the banker's control.

2. Spot**, foreign exchange is a bilateral transaction, which can be bought up and down.

-Strong flexibility and high probability of profitability. You can only buy up, and you can still make a profit by buying foreign exchange.

3. Margin trading system, light investment cost. (1 5% of the cost, 190% of the profit).

- The standard contract in the foreign exchange market is 100,000 yuan per lot, and using the margin system, we can make a big deal with a small amount.

4. The trading volume is very large, and there is no difference between the dealer and the first. (trillions of dollars in daily trading volume).

- The foreign exchange market is the largest financial market in the world.

5. T+0 transaction (can be bought and sold immediately).

-Extremely flexible and ready to throw.

6. Be able to control the magnitude of losses (set stop loss), and will not incur greater losses because there is no buyer or seller to undertake.

- Stop loss and take profit can be set by the system, that is, the transaction will be automatically executed when set to a certain price.

7. 24-hour trading, buying and selling can be carried out at any time. (Major holidays and weeks will not be closed).

- ** can only buy up, and only four hours of trading time, and **, foreign exchange twenty-four hours flexible trading.

8. High rate of return on interest (** interest is only paid up to four times a year, and foreign exchange can enjoy interest every day).

- So, there are people in Forex who specialize in "carry interest" profits.

According to your income and monthly stability, it is recommended to choose ** regular investment, which can obtain long-term returns and diversify risks.

Small capital investment Interested in 2000 can be soon.

Interested?