10,000 yuan wants to be used for financial management, how to manage 10,000 yuan

Get a bank card and buy** are all online transactions, and it has nothing to do with whether you can go or not, and go to **.

There are risks associated with buying** and **. Now a lot of them are ** dead. **The risk is relatively small, you can consult in detail.

The smartest way to manage 10,000 yuan is the following stable income bank deposits:

1. Twelve certificates of deposit method.

The specific method is to save a one-year fixed deposit every month, save for 12 consecutive months, after a year has passed, the first certificate of deposit can be withdrawn just when it expires, and a sum of money can be withdrawn when it expires every month in the future.

For example, if you save 1,000 fixed deposits every month, and then deposit 10,000 yuan for 10 consecutive months, this method of saving money not only considers the flexibility of using money, but also enjoys the high interest rate of fixed deposits, which is more suitable for salarymen who want to save money.

2. Negotiation ladder deposit method.

Divide a fixed amount of money into multiple installments, each of which is deposited into a fixed deposit of a different duration.

For example, divide 10,000 yuan into five parts, 2,000 yuan each, and save them for 1 year, 2 years, 3 years, 4 years, and 5 years, so that 2,000 yuan of principal and interest are due every year, which is not only useful for money, but also earns good interest.

3. Compound deposit method.

The compound deposit method is the principal deposit and interest withdrawal + fractional deposit and withdrawal. For example, if you deposit 10,000 yuan in the bank, choose to deposit the principal and withdraw the interest, and take out the interest every month and put it into the zero deposit and withdrawal account, so that the zero deposit and the whole withdrawal account can also earn interest every month, this deposit method has certain requirements for the amount of funds, and the operation is more troublesome, but the interest is more.

Extended Materials. 1. If you want to do some financial planning, the first thing to consider is saving, and the concept and method of saving are as follows:

1. Many people habitually believe that saving every month is equivalent to income minus expenses, and the remaining part is the part that can be saved. Then you may never save money. We should first determine how much we want to save, and then subtract the money we plan to save from the amount of income and allocate the rest to our expenses.

2. Financial management can be thought of from the two dimensions of open source and throttling, throttling is to reduce expenditure, in order to reduce expenditure, we can first make an analysis of our own expenditure, and then make a classification, which are necessary expenditures, which are the desired expenditures. Necessary expenses are necessary to maintain life, such as the money for firewood, rice, oil and salt, these are spent on the knife, which ones are wanted? For example, if you want to eat seafood every day, you want to buy beautiful clothes and bags when you see them, and spend these parts you want, which can make you have short-term happiness, but if you don't have it, you won't be unable to live.

3. If you persist for a long time, you will find that you, the Moonlight Clan, have begun to have a small treasury. You can start to enjoy the sense of accomplishment of saving money, and this sense of accomplishment will support you to continue to persevere, and slowly, you may be able to use this first money to accomplish a small goal of your own.