I am 21 years old, I have no stable salary, how to manage my finances with 50,000 yuan

Save some money. Buy a little bit within your means** fixed investment. It's the experts who help you manage your money. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect.

Any financial investment must be based on your personal income situation, and only after understanding it clearly can you make the next detailed financial plan, so that you can properly achieve the meaning of financial management and obtain investment returns.

It's really rich, but it's still not enough for you to lose.

Hello friends.

We manage our finances according to the theory of 1:1:1 to manage our finances, the first 1 to solve their daily expenses of food, clothing, housing and transportation, the second 1 can make fixed deposits, and the third 1 can consider investment and financial management.

First of all, it is necessary to clarify the purpose of financial management. That is, how to achieve a goal and result of financial management.

Secondly, given the financial conditions, such as the financial cycle, available funds, expected return value, and so on.

Third, according to the current economic conditions, individuals have simply combined: deposit + insurance + low-risk return wealth management products.

Deposit is a prerequisite in any case, but also a necessary condition, without deposit, it basically does not have the basis for investment and financial management. Insurance is an appropriate investment, mainly focusing on insurance protection, and the benefits are secondary, and the main purpose is to prevent damage caused by possible events in the future.

No matter what investment is risky, what we need to do is to control the risk, reduce the risk, and obtain greater benefits.

To make an investment, you must start with a small amount of money and gradually make a profit.

If you are interested, you can communicate with me and provide you with professional technical guidance.

The plan is as follows:

1. First of all, set aside the reserve fund is about 10,000 yuan as a reserve, which can be used to buy currency, which can be fully utilized. (The interest rate is greater than that of demand deposits).

2. You can buy several ** including ** hybrid bond ** investment ratio in 50%** 40% hybrid** 10% bond ** (first understand the **type, allocate funds according to the plan and adjust it in a timely manner!) Proper management can increase your wealth).

3. The total income of 4000 per month minus the monthly expenditure is 1500 yuan, and the remaining funds are 2500 yuan! You can choose to invest regularly** You can choose 3 branches** It can be an index type** Mixed type** 600 yuan per regular investment 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 700 yuan left. You can buy insurance, it can be participating insurance, medical insurance or pension insurance! Approximate premium: about 100 yuan per month (accounting for 10%-20% of total income, you can compare and understand the type of insurance) The remaining 600 funds can be accumulated on a regular basis**400 for long-term investment!

The remaining 200 yuan can be used to save pocket money or travel funds to travel regularly! (Funds can be combined with their own flexible planning).

Hello investment, it is best to invest in a portfolio, which can diversify the risk. There is a commonly used "three-three principle", which uses one-third of the money for savings, circulation and emergency use. Use one-third of your money for long-term, low-risk investments, such as treasury bonds, and one-third of your money for short-term risky investments.

For example, **, spot.

What you invest depends on your own risk tolerance, your expectation of returns, and the time and energy you can use to invest The returns of short-term investments are significant, and the returns can reach 10% in a good day. Therefore, if you have a good grasp of the proportion of these funds, you can buy a house

I am a professional financial planner, you can talk to me if you have something!

In the early stage, you still have to make a hard deposit, between 30% and 40%, you don't want to deposit to make a fixed investment, the income will be relatively large, and so on after you have some cash in hand, you can choose to use the money to make a down payment loan to buy a house, and you can also diversify your investment in some products with relatively high risks, of course, you can also consider bank wealth management products, but the starting amount of financial products is 50,000 yuan, so you still have to have some deposits before you can buy, the income of such products will be higher than deposits, Of course, you should be cautious when choosing, and you can consult a professional consultant.

Where do you work? If you are in Beijing or Shanghai, I advise you to find a good person to marry, if it is a second- or third-tier city, just go directly to the loan to buy It is good to invest in a fixed income of about 1,000 yuan per month, and the rest is used for daily expenses, don't make risky investments, your income level can't afford to hurt!

**Regular investment: take out a part of the spare funds every month to buy**, 1200 is not too little, 2,500 steps is too much, and then redeem ** when you need money, which not only realizes the purpose of saving money, but also realizes the need for investment. As long as you have a bank card, sign a financial management agreement at the business outlets of Henan CICC, or make an appointment with a financial manager to handle it, and then UnionPay will help you automatically transfer money every month to achieve easy investment, and the rate of return depends on the number of deductions, the annual rate and the gold price on the day of redemption, and it is normal for customers to have a return of more than 10 in the past.

I suggest you do this, in fact, it is equivalent to bank deposits, but the interest is much higher than the bank, I call it "lazy" investment, you don't need to pay attention to the influencing factors of the market every day, even if you pay attention to it, it is impossible to grasp the timing very accurately, and **regular investment converts your investment method into the form of zero deposits, disperses your investment costs, avoids buying when the gold price is too high and causes a lot of losses, and**appreciation can withdraw income cash, **market is not good in the case of physical withdrawal** The amount invested each month is converted into grams on the same day as an accumulation, and the redemption is calculated according to the gold price on the day of redemption, which is not difficult to understand the principle of no risk. Because the so-called investment risk is the fluctuation of ****, there are ups and downs, **up, everyone is happy, everyone benefits, on the contrary, **falls, that means that you invest the same amount of money, you can buy more**. If today's **** drops to 100 yuan, I believe you will definitely go to the queue to buy ** after you know the news.

Moreover, our company's gold bars can be repurchased, compared with banks and other gold stores, there are certain advantages in the repurchase price, and the realization of customers is also very convenient.

Hello friends, the current prices are so high, the money in the bank is not much can not increase in value but will depreciate, with your current income and consumption, it is really difficult to buy a house in the near future, it is better to use your remaining funds every month for investment. You can choose some financial products with small investment and less risk to invest.

Make **regular investment, save money for a fixed amount of time every month to buy**, and you can withdraw **physical goods, maintain value and resist inflation.

At least 30% of the income from hard deposits

It is recommended that you buy ** fixed investment, the risk is small, equivalent to the same as the whole deposit, 1 year -5 years, you can choose yourself, the longer the profit can be better, how much to save according to your own standards, don't affect normal life, I now buy two shares**, share the risk, 200 yuan a piece, I only need to save 400 every month, force yourself to manage your finances, less than 1 year, now unconsciously more than 7000 it, I have the rest of the money in the bank directly, because the rent or something to use. In short, it is difficult to save money in your own hands, or force you to save some points every month, and you can't withdraw it, so that you can save money after the year.

Divide your salary into several parts, part of which is living; There is also a part of it to buy clothes for yourself (this part does not need to leave too much, you don't need to buy high-quality clothes often, and you also have to control your shopping desires), and the other part is used as a reserve, and the last is investment and financial management.

In this way, you can have an investment income, so it is more feasible to buy a house.

Do a fractional deposit and withdraw regular storage Now don't listen to the bank and the ** gang of people fool you into what to do** wealth management products There are other high-yield products, if it is good, it is not your turn to do it at all They are all to tell you about the benefits, never about the risks. Now it's all companies, institutions and analysts who cheat the people's money and lie to you to make you buy it, and after you lose it, they say that everything is risky, and if you want to make money, are you afraid of risks? In addition, the actual profit margin of the bank's wealth management products is only a little higher than that of current savings.

The best advice for financial management is: 30% fixed deposit + 30% stable attack + 40% strong attack.

30% of the money you take to the fixed deposit, generally 1 year is the best, because the bank is constantly raising interest rates. If you save too long, you lose a lot.

30% for long-term regular investment or buy long-term closed**. This part of the money must be bought with insurance first.

Insurance is not an investment. I can't make a few cents, but this is a guarantee that must be bought. A lot of people are always calculating how much money they can make with various insurances. Forget it, no matter how much you count it, you can't count it as an insurance company. It's a kind of life security, don't treat it as an investment.

40% of course, speculation, foreign exchange or other investments.

Women suggest that you make a diversified investment to reduce risks, for example, you can take a part of the deposit in the bank in case of emergency, take a part of the investment in value-added products, such as ** bonds or something, if you are an office worker, you can choose a product that is more suitable for night operation, which is more convenient. There are a lot of investment friends in Junyang, you can communicate with them, don't disturb if you are not sincere.

The first thing to ensure is that their assets do not depreciate, and there is to connect their own capital chains, how to link them, first of all, to take part of the financial products to protect the income, part of the bank to spare, part of the risk as a venture capital, so that the bank has interest, the capital will have income, even if the risk of loss can be made up in those returns, the profit is much stronger than all to do the guaranteed income, this is my personal advice, I hope to help you.

1: Figure out how much you have to spend each month. Depending on the situation, a portion of the money must have been deposited every month.

2: 10,000 yuan current passbook as your emergency expenditure.

3: Take out 30,000 yuan to buy treasury bonds.

4: The remaining 30,000 can be invested ** or *** investment or **** according to your personal situation.

Hello! I am a national financial planner. The information you provide is too simplistic to accurately plan your finances.

It depends on your situation: for example, whether you have a real estate, whether your monthly salary is stable, whether you have basic medical insurance, your age, etc. I recommend that you take a long-term financial plan rather than a one-sided financial plan.

Please add more effective information in order to tailor a reasonable financial management method for you according to the current CPI and Chinese consumption. If you need any information, you can contact me. Have a great day! Thank you