If you want to preserve and appreciate your assets, how do you lock in returns?

Personally, I think that before making an investment, we must first make a detailed investment plan. The money that is not used in different time periods should be divided and classified in detail, so as to bring us higher returns. Moreover, under their own risk tolerance, they should adopt an appropriate proportion of equity investment and an appropriate proportion of fixed income investment.

There are many ways to maintain and appreciate your assets, such as diversifying investment, taking an appropriate proportion of equity investment and an appropriate proportion of fixed income investment under your own risk tolerance.

I think the yield should be at least 5% a year. If you are able to meet this requirement yourself, you can make a long-term investment.

<>1.Learn to save money: No matter how much you earn, you need to have the habit of saving money, plan your consumption and savings reasonably, and accumulate wealth.

2.Control your spending: Control your spending, don't overspend, and stay rational.

3.Rational investment and capital rushing: Don't indulge in high-risk financial products with high returns, and choose the right investment method according to your risk tolerance and needs.

4.Diversification: Don't put all your eggs in one basket, you should diversify your investments to reduce your risk.

5.Avoid high-risk wealth management products: Avoid blindly pursuing high-yield wealth management products, especially Qingpeng, which are illegal wealth management products that have not been certified by regulators.

6.Establish an emergency reserve: Establish a certain amount of emergency reserve fund in response to emergencies.

7.Pay attention to taxation: plan taxes reasonably and pay attention to avoiding tax risks.

8.Build personal credit: Good personal credit can help with better loan interest rates and better banking services.

9.Monitor your credit card usage: Use your credit card wisely to avoid exceeding your ability to repay, which may affect your credit.

10.Understand basic financial knowledge: Understand basic financial knowledge and learn the basics of investing, borrowing, saving, etc.

1. Hedging method: The stability of any investment product cannot be replaced, especially in the event of an economic depression. However, the growth rate of income is slower, and it is only suitable for value preservation. However, this is the safest and most important way to preserve the value of assets.

2. Bank hedging method: Although the hedging of bank deposits cannot win inflation at all, it is also one of the safest ways to hedge value, and there is no need to worry about the bank running away. However, excluding inflation, bank earnings remain negative for the most part.

From the perspective of value preservation, the bank hedging method is the worst.

3. The real estate hedging method: it is okay to use the house to prevent inflation, and it is best to buy a house closer to the core of the metropolitan area and choose a good location. The value retention of houses in the ** area of first-tier cities is the best, and the future value-added potential of houses in remote areas is poor.

4. Investment Law: Investment can definitely maintain its value, but it is necessary to choose it well, and you can't buy it at will. If ordinary people want to buy, it is best to let an expert help operate and buy **type**.

5. Investment shop value preservation method: In fact, in the selection of shops, the developer's brand strength and the level of the team are more critical to product investment and future appreciation, so it is more reliable to choose experienced brand enterprises and more secure for the return on investment.

The key is to find investment "safe havens".

For many investors, choosing to invest is not only to preserve the value of their funds, but also to obtain a good return on investment. Mr. Chen, a person in the financial industry, believes that due to the recent new policy of the property market, investors have indeed become cautious and want to find a safe "safe haven" for funds.

Mr. Chen believes that in the era of increasing diversification of the existing investment market, the property market, etc. are not all choices, in fact, in recent years, banks have launched a variety of wealth management products according to the situation of the investment market, which can achieve the preservation and appreciation of funds.

In fact, in view of the current situation in the investment market, bank wealth management products are also slowly changing, not only with a long term of wealth management products, but also with a variety of short-term wealth management products to choose from. Moreover, unlike in the past, the expected rate of return of these wealth management products is gradually increasing, and the annualized rate of return of many wealth management products is above 3%.

How to choose a wealth management product.

The Money Festival is a sight to behold.

Although banks have many wealth management products to choose from, for investors, the most concerned is how to choose a suitable wealth management product that not only meets their own needs, but also can achieve stable income? The debut of the first Shaoxing Wealth Management Festival jointly organized by the Shaoxing Central Branch of the People's Bank of China and the Shaoxing ** Society made many investors shine.

Now that wealth management has become a fashion, major banks have launched a variety of wealth management products. How to manage money and how to choose wealth management products has also become a choice question for the general public. The most important thing for the first financial festival is to let the general public have a deeper understanding of financial knowledge, use financial tools to invest and manage money, and maintain and increase the value of the money in their hands.

A person from the organizer of the event said.

According to reports, the first wealth management festival will launch a series of wealth management products, and selected by the public, experts, etc., to select the best wealth management bank (or center), the best wealth management brand, the best wealth management products, etc., not only the results are authoritative, but also convenient for investors to choose according to their own needs.

Standard Sin Harvest Wealth Protection Plan can effectively preserve the value of your assets, and the services provided by Standard Sung Fung are all with the necessary professional qualifications and licenses, and are well regulated by ** and professional bodies, giving you confidence and confidence.

When it comes to financial management, many people's first reaction is to maintain and increase the value of assets, is this concept correct? Personally, I don't think it's right or wrong. If our assets continue to shrink, it will have an adverse impact on our future lives, so we should try our best to preserve and increase the value of our assets.

But this does not mean that maintaining and increasing value is the only purpose of financial management. Because the ultimate purpose of financial management is to make our lives happier and better, not simply to accumulate wealth. Even if we can't preserve and increase the value of our assets, as long as we have enough money to spend, life can still be good.

For example, if you have $1 million, don't make any investment, and use $3,000 a month, it will be less than $10,000 in the first year. Given inflation, it is clear that more money will have to be spent the following year to maintain the same standard of living. Based on the inflation rate of 2%, it will be reduced by 10,000 yuan in the second year.

And so on, after 23 years, you can basically spend the 1 million yuan. You would say that the inflation rate is significantly higher than the statistics bureau figure now, okay, let's say the inflation rate is 5%, then it will take about 19 years to spend this 1 million yuan. If we make some low-risk investments, at a rate of 3% and an inflation rate of 5%, it will take about 24 years to spend this 1 million yuan.

If we can continue to buy bank wealth management products with an expected rate of return of 5%, then this fund can be used for 30 years.

Of course, you may have higher capital needs, for example, if you want the funds to be used for a longer period, then you have to increase the expected rate of return of investment varieties, in the case of the expected rate of return and inflation rate of 5%, this 1 million yuan is enough for you to use for more than 50 years.

Financial management with a stable income, like Hengtai **, his family belongs to a listed company, and it is safe to use.