How to manage funds correctly? How do I manage my money with funds?

Nowadays, many people have such questions, many people have some money in their hands, and they want to learn financial management, but the concept of financial management is relatively complex, and many people do not understand it very well.

Nowadays, everyone wants to buy good financial products, but what kind of financial products are good? If you go to the bank and ask, the bank's financial planner will recommend: "We have a very good wealth management product here, with an annualized rate of return, which is very cost-effective."

If you ask the insurance people, they will say: "Buy a certain insurance product, this product has dividends, and the income is very good in 5 years." "If you meet someone who does **, they will say:

It's best to earn **, if you're lucky, catch up with a price limit, you can earn 10% a day. "So, you need to judge for yourself.

In the eyes of most people in China, the only criterion for judging the quality of financial products is the rate of return, the higher the rate of return, the better the product. So is this judgment based on the right one? The answer is clearly no.

What you need to understand is that the return is directly proportional to the risk, and the higher the return, the greater the risk for us. For the promotion of high-interest but low-risk ** products, don't hesitate at all, these are absolutely fake.

For us, since we can't judge the quality of financial products by the rate of return, how should we choose financial products?

Before we choose financial products, we should first consider what the goal of financial management is, and only after we have clearly and clearly grasped the goal, can we choose products in a targeted manner. For example, if you have 200,000 yuan in your hand now, but you want to get about 50,000 yuan in 5 years, and use this income to travel overseas. But if you want to double the capital after 5 years to 400,000 yuan, and then use it as part of the purchase price, then you have to take some risks, in order to achieve such a purpose, you need to invest the funds in **type**, so as to obtain the above annualized rate of return.

Of course, the returns of the **type** are fast and psychologically challenging, but the yields fluctuate, and if you are unlucky, there is even the possibility of losses. But if you want to enter the army of first-class investment, you need to find a stable and reliable company to invest a small amount of money, and now many companies I know have issued principal-guaranteed private wealth management products, which is a good way to test the waters. So you need to pay attention to the fact that if you lack risk tolerance, you need to lower your financial goals and find a balance between risk and return.

Hopefully, this will help you manage your finances better.

Our company gets a **.

**The main methods of investment analysis are as follows:

1. Fundamental analysis method, technical analysis method, and evolution analysis method, in which basic analysis is mainly used in the value judgment and selection of investment objects, and technical analysis and evolution analysis are mainly used in the time and space judgment of specific investment operations, as an important supplement to improve the effectiveness and reliability of investment analysis.

2. To put it simply, it is an investment tool, as an investment tool, the investment guess brings together the funds of many investors, which is managed by the custodian (such as a bank), managed and used by a professional management company, and achieves the purpose of income by investing in bonds and bonds.

3. Usually many things that everyone is familiar with are**, such as social security**, Yue Bao, Wealth Management, Baifubao, etc.

4. Generally, the purchase of ** is to go to the bank to buy, followed by ** company, or online.

5. In view of the fact that you are a novice, you can consider doing a steady type, don't consider the growth type, because the risk of the growth type is too high, and the characteristics of the steady type are to guarantee the principal and income, and the general bank has about 4-6 points, and the one-year one-year one-year company directly buys 8-12 points of income.