Are there any basics about money management?

As the saying goes, if you don't manage your money, you won't be able to manage your money, here are some basic financial knowledge to wish you a prosperous new year.

1. Chase common sense. Keep learning about investment and financial management.

2. Information is wealth. Exercise your foresight and decision-making skills in using information.

3. Investment does not follow the trend. Don't have a speculative mindset, be an investor with a mind. They are all immune to market changes.

4. Connections are money. Connections need to be carefully managed, and you can't become a rich man by your own strength alone.

5. Be good at learning from the rich, close to Zhu and black. Get close to those who work hard to get rich, learn from their successful experience, remember their investment ideas and skills, and make good use of them.

6. Don't be discouraged by failure, and don't be proud of victory. Whether you fail or succeed, analyze calmly and make the decision that is best for you.

7. Be far-sighted. Don't keep an eye on the domestic market, look global.

8. Conduct regular physical examinations of family wealth. For the family's various income and expenditure, assets and liabilities, etc., from multiple perspectives such as risk control and reasonable liabilities, detailed analysis is carried out. And then make certain adjustments in daily life, rest, exercise, etc., to ensure the health of family wealth.

10. Borrow money between friends and do what you can. Don't slap your swollen face and lend a large amount of money. If you can't get it back, it will hurt both money and heart. Only borrow the amount that doesn't matter even if you can't get it back.

11. Put the eggs in different baskets. Diversification can not only diversify risks but also make more money, so don't be short-sighted.

12. Be calculating. Calculation here refers to being sensitive to wealth figures, having good computing skills, and learning to control costs and risks.

I don't think you can put all your money in one basket, you can divide your money into several parts, so that you can avoid losing too much.

1. Bank wealth management.

Bank wealth management includes bank demand deposits, time deposits, large-amount certificates of deposit, and some equity products issued by bank wealth management subsidiaries.

2. Insurance and financial management.

Insurance companies also have a variety of financial products, said to be financial management, some are simple pensions, education funds, and some are universal insurance, insurance and financial management seem to be the most misunderstood, mainly due to the irresponsibility of the salesman.

As a result, many investors do not understand the essence of the product at all, and do not understand the risk-return characteristics of the product, and the return expectation is too high, which brings too much psychological gap. Therefore, before buying wealth management, you must fully understand the product characteristics and payment standards.

3. Currency** and Treasury bonds.

Although currency** and treasury bonds are not products of the same nature, they are both products with very low risk and strong liquidity. Treasury bonds are the safest financial management in the market, but treasury bonds are difficult to buy, and they are basically sold out as soon as they come out.

4、**。**It is a type of financial management that has become more popular in recent years, because its threshold is very low, with a minimum purchase of 10 yuan, a minimum of 100 yuan, and a rich variety, including currency**, bonds**, index**, ****, etc., different ** risk and return characteristics are different, which can meet the needs of all kinds of investors.

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Hello! The basics of getting started with banking for beginners.

Wealth management products are products designed and developed by commercial banks and formal financial institutions, such as wealth management products launched by banks themselves, products released by companies, and so on.

Knowing how to make money, the relevant person will invest the raised funds in the relevant financial market and purchase related financial products according to the product contract through wealth management products, and after obtaining investment income, distribute them to investors according to the contract, such as ** manager takes the money of the people to invest ** or bonds to achieve the purpose of making money.

Make money through wealth management products, buy good financial products, and share profits according to the proportion of holdings, for example, if you buy a certain **, the net value has risen a lot, and the profits will be distributed according to the share held.

Wealth management products suitable for novices, with high security, such as currency**, bond**, or the purchase of bank's principal-guaranteed wealth management products, as well as treasury bonds are also very good.

How to manage money for novices, first learn the basic financial knowledge, and then buy one or two financial products, in the process of holding combined with financial knowledge to know the financial products you want to invest in, you can't say that you can invest in diversified investment.

Ask a question [hee-hee] [hee-hee].

Extraction code: ZJ6D from 1 to 1 million, 12 tricks for financial management. Learning financial investment is a compulsory course in life, and the financial management rule from 10,000 to 1 million is compound interest, the eighth wonder in the world.

The formula for compound interest is: Compound Interest Final Value = Principal * (1 + Yield) Time. The three factors of compound interest are principal, yield, and time.

For ordinary people, the principal is not easy to increase immediately, time is also an uncontrollable factor, and the most important thing is the rate of return. The most important thing is to be patient with money and accept that you will get rich slowly, rather than overnight.

Course Catalog: How do the Fed's interest rate hikes and exchange rate changes relate to me?

Regular investment loses money, and loses without knowing when to sell.

Low-risk investment.

Money management is a skill that everyone needs to master. Not only can it help people better plan their future lives, but it can also help them realize their dreams. Here's what ordinary people should know about managing their finances.

First of all, it is very important to know your financial situation. This includes income, expenses, debts, and the value of assets. Knowing this information can help people better manage their finances.

Second, create a budget and plan. There should be a budget for each month's spending, and a plan for long-term goals. For example, saving for retirement or buying a house requires planning and saving in advance.

Third, learn to save and consume wisely. Saving not only helps people save money, but it also allows them to spend more wisely. You can save money by comparing**, using coupons, buying second-hand items, and more.

Fourth, understand the different ways to invest. Investing can help people achieve financial freedom. However, before making an investment, you need to understand the different investment methods and risks. For example, investment methods such as **, **, bonds, etc., all have different risk mitigation and returns.

Finally, stay financially sound. This includes building emergency reserves, planning for pensions, regularly evaluating one's own investment portfolio, and more. Staying financially sound can help people be more prepared in the face of unexpected events.

In conclusion, the average person should be aware of these financial knowledge, which will help them better manage their finances, achieve their financial goals, and achieve a better quality of life.

Common sense 1: When managing money, you should be prepared for emergency money.

Some investors like to buy all the funds to buy financial management when they manage their finances, but some financial management is limited to pure money, when you need to use money, there is the possibility of not being able to withdraw money, so when you manage your money, you should prepare an emergency money, generally 6 months to a year of living expenses, this money can be stored in Yue Bao, change pass, currency ** is okay, because the liquidity of this kind of current financial management is relatively good.

Common sense 2: When managing money, you should prepare for undone living expenses.

When managing money, it is necessary to take into account the possibility of using money in the future, this money is very necessary, if you encounter unemployment, illness, you can also take it out at this time, you can consider saving three to five years of living expenses, stored in the bank term or treasury bonds, you must choose the risk is small, it is best to protect the principal.

When depositing in the bank fixed deposit, you can consider depositing in batches, because the interest on the bank fixed deposit is calculated according to the current interest, and if it is deposited in batches, it will only affect one of the interest, but not the interest on other deposits.

1. Financial management is not simply buying ** or buying bonds, first of all, a clear understanding of your financial situation, reasonable allocation of funds, and the separation of necessary expenditures and investment expenditures. The essentials of financial management: invest in advance and postpone consumption. Therefore, it is better not to spend ahead of time.

2. For small and medium-sized investors, the investment methods are: fixed, treasury bonds, reverse repo of treasury bonds, currency, bonds, regular investment, bank wealth management products, investment and investment. Investors need to choose the right product according to their own risk tolerance.

3. Purchase channels. Generally, treasury bonds, fixed bonds, and bank wealth management products are purchased at the bank; The on-site investment, treasury bond reverse repo, etc. need to go to the company; Over-the-counter (OTC) companies or internet sales platforms will have a more favorable handling fee for purchases.

Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

"Wealth management" is often used in conjunction with "investment and financial management", because "financial management" has "investment" and "investment" has "financial management".

The so-called financial management is not only about investing money outward, being invested is also a kind of financial management, and if you don't know how to be invested, you don't know how to invest better.

The basics of financial management are as follows:

1. Rational allocation of assets and diversification of investment.

We must remember that financial management is not only the pursuit of high-yield products, because high-yield products are generally accompanied by high risks, so it is necessary for us to plan a reasonable allocation of assets before investing.

For example, if you have 200,000, you can buy 50,000 bonds, 150,000 bank wealth management products, and finally 50,000 or mixed, so that if there is a loss, it will not be a loss, so as to reduce its risk.

2. Find the right asset ratio for yourself.

For example, if you have 200,000, will you buy them all, the risk is very large, if the allocation of assets is not reasonable, then assuming that the market is not good, then the loss of money is a large part, then it is also possible that the market is good, you can make a lot of money, but the risk is too great.

3. Choose good financial products.

Some people may want to ask, how to choose good financial products, first of all, we must choose financial products on large platforms to have high security, such as Alipay, bank APP, etc. Take Alipay's wealth management products as an example, there are many financial products inside, and it is best to choose the product that suits you, we can look at its yield and product term, and the product term of the product with a high general rate of return is relatively longer, so you can choose according to your own needs.

1. About the rate of return.

If you have 1 million, and the assets reach 2 million after 100% gain, if you lose 50% next, the assets return to 1 million, obviously it is much easier to lose 50% than to earn 100%.

2. About the price limit.

If you have 1 million, and the assets reach 1.1 million after the first day, and then the second day is down, the remaining assets are 990,000; On the contrary, on the first day, the limit on the second day, the asset is still 990,000 yuan.

3. About volatility.

If you have 1 million, you earn 40% in the first year, 20% in the second year, 40% in the third year, 20% in the fourth year, 40% in the fifth year, and 20% in the sixth year, with assets remaining 10,000 yuan, and the six-year annualized rate of return is only, or even lower than the coupon rate of the five-year certificate treasury bond.

4. About 1% per day

If you have 1 million, you don't need a daily limit, you only need to earn 1% and leave the market, then based on 250 trading days per year, your assets can reach 10,000 in a year, and you can sit on 100 million in two years.

5. About 200% per annum

If you have 1 million and a 200% annual rate of return for 5 consecutive years, then you can also have 100 million yuan of personal assets after 5 years, and it is obviously difficult to sustain such a high return.

6. About 10 times in 10 years.

If you have 1 million and hope to reach 10 million in 10 years, 100 million in 20 years, and 1 billion yuan in 30 years, then you need to achieve an annualized rate of return.

7. About margin call.

If you were 10,000 yuan at a certain time, and now it falls to 5 yuan and you buy 10,000 yuan, the holding cost can be reduced to yuan, not the yuan you imagined.

8. About the cost of ownership.

If you have 1 million yuan and invest 10% of the profit, you can try to leave 100,000 yuan of the market value when you make a selling decision, then your holding cost will be reduced to zero, and then you can hold it for a long time without pressure. If you are extremely optimistic about the development of the company, you can also leave 200,000 market capitalization**, you will find that your profit has increased from 10% to 100%, don't be complacent because at this time**If** exceeds 50%, you are still likely to lose money.