How do you invest and manage your finances?

There are many ways to manage personal finance, and some people choose to deposit money in the bank. Banks all implement the interest rate set by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest rate, and the early termination reduces the interest.

If it is possible to use part of the funds in advance and want high interest, you may wish to deposit in batches: if you deposit a fixed amount of money every month for one year, you will have money to withdraw every month after one year, and the interest is higher than that of a one-year fixed deposit.

Of course, it is good to save in the bank, but the inflation rate is about 4% per year, which means that your 10,000 yuan depreciates by 4% every year. Even if there is a bank to get interest. It is also negative.

So you can consider finding an expert to manage your finances.

For example, if you have a strong ability to resist risks, you can search for it: Chaoyang Investment and Wealth Management Company, which seems to have a return of thirty or forty percent.

There are also some small and medium-sized companies: Golden Harvest and Zhongrong, with an average income of 4% to 10%.

Financial management means how much you earn each month, divided proportionally.

For example, 20%**, 20% in the bank, 10% in insurance, 30% flexibly, 20% in the necessities of life, this is called financial management.

Take a certain amount of money and do what it does, that's called investment. The inflation rate is around 4% per year.

In other words, your $10,000 depreciates by 4% every year. Even if there is a bank to get interest. It is also negative.

Therefore, it is necessary to master several financial instruments to ensure that your money is not inflationary.

Financial management is the coexistence of risks and benefits.

If you have a strong ability to resist risks, you can search for it: Chaoyang Investment and Wealth Management Company, which seems to have a return of thirty or forty percent.

The following five are all small investments for reference:

1. Buy: ****, medium in yield, medium in risk, such as: ** type;

2. Buy: London gold, high yield, high risk, such as: Quandao Investment Company.

3. Do: Medium investment dividends, high yield, medium high risk, such as: Chaoyang Investment Wealth Management Company;

4. Purchase: Participating insurance, for a longer period of time.

Industries with high reporting rates:

The big market and the prospect industry are nothing more than the energy, communications, and financial industries.

The small market, which is more promising, is the industry that is needed by the public and has a high degree of consumer loyalty, such as catering, retail, and production.

Whether it's a job, or a business! You need to choose your interests, find your strengths, and discover your strengths.

1: Consider your interests, do what you love the most, and only make work fun. You can better develop in this industry.

2: Analyze the experience you have and do what you do best. The identity of an expert will make you handy in many things.

3: Here we emphasize the relationship channel, which depends on the accumulation in life. One more channel equals one more opportunity.

Invest Responsibly!!

**It's very popular now, but it's almost too popular, there are too many people doing it, and you are generally asked to do virtual first, and buy a software from him, which is really not good. There are so many such shops, you go there, can you do it?

First: you can invest** or spot, the risk is relatively small, after all, the money you invest can not affect daily life, can only be idle money to do. **Well, compared to the spot, the spot is better to do, because you have less capital and are easy to control.

And to do spot, the broker will take you or take you, you can also learn to do a good job, (**and spot disk in general) I am doing ** and spot now, it's okay. However, the ** recession, immediately prepare not to do it.

Second, you can also start a small business, which is a good idea. First of all, starting a small business can not only exercise your ability, but also prepare you for big business in the future. I'm doing it myself, and I'm doing a lot of small business.

Set up a stall or something, do it. After all, it's not a big requirement. After all, part-time jobs are not a lifelong thing.

If there's anything you don't understand, you can hi me.

It is advisable to first allocate your funds proportionally and diversify your investments:

If you have a strong ability to resist risks, you can take a part of the funds to enter **, buy a familiar company**, and hold it for a long time, such as: PetroChina, with thousands to tens of thousands of funds, and an average return of 10% to 20%;

You can also use some funds to invest in high-risk and high-yield industries, such as: Chaoyang Investment Wealth Management Company, investing a few hundred yuan to several thousand yuan, with an average return of 20% to 40%;

Finally, don't forget to buy some participating insurance and make long-term preparations, such as small and medium-sized companies: Golden Harvest and Zhongrong, with thousands to tens of thousands of funds, and an average return of 4% to 10%.

Investing is risky, and it is recommended that you diversify your investments and divide your investments into three parts:

If you have a strong ability to resist risks, you can take a part of the funds to enter **, buy a familiar company**, and hold it for a long time, such as: PetroChina, with thousands to tens of thousands of funds, and an average return of 10% to 20%;

You can also use some funds to invest in high-risk and high-yield industries, such as: Chaoyang Investment Wealth Management Company, investing a few hundred yuan to several thousand yuan, with an average return of 20% to 40%;

Finally, don't forget to buy some participating insurance and make long-term preparations, such as small and medium-sized companies: Golden Harvest and Zhongrong, with thousands to tens of thousands of funds, and an average return of 4% to 10%.

Friend, you have to allocate your own funds first, and you can use the money you don't use to invest, but you have to know that investment is risky, so that is to say, investment also needs to be cautious, you can go to the bank to do**Investment is relatively stable, you only need to give money to the bank, the bank will speculate money for you, **There are many types**type** (slightly higher risk) bond type (relatively low risk) hybrid type, (a little complicated, it is recommended to understand some and then do this). Currency type (relatively the most secure) make a long-term investment plan If you have time, go to the bank to learn more, and wish you success in financial management.

Based on my personal experience, let's be specific and give it to the landlord's reference:

If you have a strong ability to resist risks, you can take a part of the funds to enter **, buy a familiar company**, and hold it for a long time, such as: PetroChina, with thousands to tens of thousands of funds, and an average return of 10% to 20%;

You can also use some funds to invest in high-risk and high-yield industries, such as: Chaoyang Investment Wealth Management Company, investing a few hundred yuan to several thousand yuan, with an average return of 20% to 40%;

Finally, don't forget to buy some participating insurance and make long-term preparations, such as small and medium-sized companies: Golden Harvest and Zhongrong Insurance Company, with funds ranging from thousands to tens of thousands, and an average income of 4% to 10%.

Can be bought**, bonds,**. Of course, the safest thing is to put it in the bank, if you have time, you can take a look at "Rich Dad Poor Dad" is very good.

Investment and financial management are very important, if you don't manage money, money will ignore you.

I don't know much about financial management, but I heard from my friend that Chaoyang Investment and Wealth Management Company.

Very good, I recommend you to check it out.