Affected by the global epidemic, can I still manage my money in the current environment, and will I

Because it is possible to manage money under the current environment, if your financial knowledge is not sufficient, then it is very likely to lose money.

During the epidemic, financial management may be more difficult than during the economic boom, and there may be financial losses, but we need to learn"Discerning", choose industries that are relatively stable during the epidemic period for appropriate investment.

Under the influence of the global epidemic, financial management is still inevitable, as long as the financial management is done properly, the stable growth of assets can be guaranteed, but financial mistakes and loss of money have little to do with the epidemic

Of course, it is possible to lose money, and there is no chance of making a profit without losing money. Financial management is risky, and investment should be thought twice. At different historical stages, there are opportunities to make money, so we should be clear about the risks, invest prudently, seize the opportunities, and strive to achieve financial freedom.

According to relevant statistics, residential investment fell in January-February this year. There are many reasons why this happens. The most direct reasons include the impact of the pandemic, reduced market demand, and the increase in loan burdens due to higher interest rates.

1. The impact of the epidemic is the most important reason for the decline in residential investment.

Fundamentally, the main reason for the current decline in residential investment is the impact of the pandemic. ......In the past three years of the epidemic, the entire economic development has been very different from before, and all industries have been affected. Residential investment has also been affected by this and has declined.

This aspect of the problem will finally be resolved after the epidemic is over, as all walks of life gradually return to normal.

2. The decrease in demand is the direct cause of the decline in residential investment.

The direct cause of the decline in residential investment is the decrease in demand. ......The reason why houses are being built is because there are people buying them. However, if fewer people buy houses, it will become unprofitable to build houses, and residential investment will decline.

The reason for this phenomenon is actually the impact of the epidemic. As the overall environment gets better and better, this problem of pure macro hunger will also be solved.

3. Because of the rise in interest rates, the burden of borrowing has increased, which has also led to a decline in residential investment.

The recent rise in interest rates has also become one of the important reasons for the decline in residential investment. ......Rising interest rates lead to an increase in the burden of borrowing, and those who invest in housing through loans will be under more pressure, which will lead to higher costs and lower returns. As a result, a decline in residential investment is an inevitable occurrence.

It is precisely because of the direct causes of the above, as well as other factors, that the recent decline in residential investment has occurred. When these factors are addressed, residential investment can rise.

Can I still manage my money this year due to the impact of the epidemic? Will you lose money? Affected by the epidemic, the financial market is turbulent, and the income of wealth management products has also been declining.

In this case, don't blindly manage money, now is the time when cash is king, stay away from the capital market, even if it is a bank wealth management product, it is best not to touch it first.

Whether it is the capital market or bank wealth management products, even if there is no epidemic, they will lose money, and the epidemic has only increased the probability of losing money. So what products to buy during the epidemic so that you don't lose money. Then you can only buy some capital protection products.

Principal protection products are nothing more than treasury bonds, bank fixed deposits, bank structured deposits, and bank certificates of deposit. Needless to say, treasury bonds are the safest principal-guaranteed products, and they are also the most traditional and familiar products.

Due to the impact of the epidemic, this year's treasury bond issuance plan has been somewhat disrupted, but the products are basically the same as last year, which are still divided into two products: 3-year and 5-year, of which the 3-year field is 4% and the 5-year interest rate is. Bank fixed deposits. This product is also the most common and familiar to the people, and it is also a favorite product, at present, the income is slightly low, the three-year interest rate is, the five-year and three-year are the same.

If the amount is not large, you can choose this product.

Of course, if the amount is large enough, for example, more than 200,000 yuan, you can consider a large bank certificate of deposit. The bank certificate of deposit itself is a bank fixed deposit, but the minimum deposit threshold is very high, starting at least 200,000 yuan. The income is still good, the three-year large-amount certificate of deposit can start at 200,000 yuan, and the interest rate is about 20% higher than that of ordinary bank time deposits, which is very competitive and is currently the most popular product.

If the amount is not so large and you want to win a high yield, then you can choose a bank structured deposit. Bank structured deposits are essentially bank deposits that protect capital but not returns. Therefore, it is floating, with a guaranteed return of about 1%, a maximum of 8 9%, and in fact, it can reach 4%, which is much higher than that of ordinary bank fixed deposits.

In addition to the above-mentioned principal-guaranteed products, the special deposit products issued by private banks and some rural commercial banks also have very good returns. This is sold on JD Finance and Alipay.

The income is a little lower than before, but it is still very competitive. For some idle funds that maintain liquidity, they can be placed in Yue Bao. The 7-day annualized return of Yu'e Bao is now lower than the above fixed deposits, but as an active product with flexible withdrawal, the income is already good.

Moreover, Yu'e Bao is essentially a currency**, which only invests in the currency market, and its security is very reliable.

In short, in the current situation, it is necessary to be cautious in investment and financial management, and properly hold cash in hand to maintain liquidity to cope with unexpected needs.

You can manage your money at any time. It has nothing to do with the environment. It's just a matter of how you manage your money. When the environment is bad, you should be conservative and be a conservative financial investor. When the environment is good, you can be a prudent investor.

Due to the impact of the epidemic this year, the risk of financial management has also increased greatly. In this context, it is possible to manage money, but it is better to choose principal-protected products such as bank fixed deposits.

Of course, you can manage your money, but will you lose money? It depends on how you manage your money, right? If you invest blindly, then you will definitely lose money, so you must think about it before investing

You can manage your money, but whether you will lose money is not certain, because there is a certain risk in making money, so you should be cautious when investing and choose a reliable financial management method.