I just came out of work, the salary is not high, and I want to manage my finances, what kind of fund

It is recommended that you ** The risk of regular investment is relatively low First of all, ** regular investment is suitable for busy people who manage their finances, often work overtime, have little time for leisure and entertainment, and have no time to take care of their assets. Secondly, it is suitable for lazy people to manage their finances, and ** regular investment is a regular investment, mandatory deduction, "moonlight family" can set a few days after payroll as the transfer date, so that through ** regular investment is equivalent to forced savings. **"Fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended **, similar to the bank's lump sum deposit and withdrawal method.

Thirdly, regular investment can evenly share market risks and is suitable for prudent investors. Finally, the Auto-Invest may be used for specific purposes in the future. **The biggest charm of regular investment is the compound interest effect of long-term investment, so for those investors who have capital needs in the future, planning in advance in the form of regular and fixed small investment will not only not cause their own financial burden, but also make the monthly small money into big money in the future, such as investors saving down payment for house purchase, children's tuition fees, retirement pensions, etc.

After going to the bank counter to go through the procedures of a regular quota business, as long as there is sufficient balance in the customer's passbook, the bank will automatically deduct the money for investment every month, without the need for the customer to transfer money to the bank again, a one-time operation, long-term benefits, convenient and fast, time-saving and labor-saving. At the same time, customers can cancel the regular quota business at any time at the counter without any penalties and restrictions.

In fact, the previous few have said in detail, I just want to add what I know, **The advantages of regular investment are flexible access and withdrawal, automatic transfer every month, automatic**, you don't have to worry about it, it is more suitable for those who don't have time to manage money, or people who can't control their usual consumption, **fixed investment, you can do it in the bank, you can also do it in the company, the company's fees are cheaper than the bank. However, I will also talk about the shortcomings of regular investment, the redemption fee is very high, if you are not a long-term investment, it is recommended that you do not do **regular investment, or you will lose a lot.

For example, if your monthly income is fixed at 2,400 yuan per month, then after 24 months, your salary will be 57,600 yuan.

is 70,000 yuan, 12,400 yuan is still missing, a gap of 17%.

Bank deposits are two years old, and no matter what method specifies, this rate of return cannot be reached. And that's not even counting the fact that your money is a little bit of a factor.

So the bank deposit has not played for two years.

Buy**, which is even more difficult to say, if you were lucky enough last year, **a financial real estate**, then you doubled last year. This is the best situation, of course, there was also the worst situation last year, such as a certain advantage selection**, in the case of **increase of more than 50%, it can still **10 points.

That's the risk.

You are a novice, blindly investing**, you are completely relying on luck to work hard.

Of course, it is a whole deposit, and the interest is high.

Monthly expenses do not exceed 70% of income;

10% of the income is used for 12 certificates of deposit until the certificates of deposit are enough for your expenses for a year; After that, you can make 20% of the regular investment income to repay the debt, if you don't have debt, you can choose the 12 certificate of deposit method, and you can save enough for 1 year as soon as possible, or make a regular investment.

Don't have consumer debt (e.g. credit card interest, installment payments).

The income of the one-year zero deposit and withdrawal, ** the income of the fixed investment is definitely several times higher than this in a good year, but there is also the possibility of loss.

You can choose to accumulate it! This is the hot one.

Your situation is still more suitable for P2P, with a low threshold and high returns, such as Anjie Wealth, Renren Loan, and Paipai Loan, which are all very good.

The most secure is bank wealth management products, and the general threshold is 5w; If it is higher (and at the same time take into account security), you can consider the P2P of Ping An Lufax; ** It's risky, it's been falling badly lately! However, it can also extend the investment time and adopt a regular investment method to smooth the rate of return. Bond** may be considered.

I suggest dividing it into two: take out 300 yuan to do risk-free fractional deposits, and 200 yuan to make a slightly more risky ** fixed investment.

There are three reasons: 1. Don't put your eggs in the same basket. Regardless of the amount, spending all your spare money on a product is a risk in itself.

Although the interest rate is not high, the accumulation of original funds every month is a must. You can save 50 yuan and 100 yuan, but you have to get into the habit of saving some money every month. In addition, 300 yuan is also the first step to help you complete the accumulation of funds, 300 a month may not be much, but there are 3,600 in a year, and there are more than 10,000 yuan in three years, which adds up to a lot.

For the regular investment of yuan, it is recommended to choose the **type** or index type with higher risk**. Because you have the guarantee of 300 yuan per month without losing money, the remaining 200 yuan can pursue slightly higher risks and slightly higher returns. Recommend products such as ChinaAMC CSI 300, E Fund Positive Growth, Rongtong SZSE 100, E Fund Strategy No. 2 (these are my own purchases, so I recommend them to you).

However, it should be noted here that the starting point of online direct sales and some banks' regular investment is above 300, so you may have to go to the Agricultural Bank of China to do the automatic investment, or you can find out which companies and banks support the fixed investment of 200.

4. Finally, let me tell you about my current financial situation. I now take out 1,000 yuan from my salary every month for financial management, of which 600 yuan is deposited for a one-year period and 400 yuan is used to buy the ** fixed investment of Rongtong SZSE 100. The lump sum deposit has been insisted on for 2 years, and the ** regular investment has been insisted on for 13 months.

So far, it's all going well.

If you are young and have more than three years of financial management time, you will invest regularly if you have a large risk tolerance. Those with a small risk tolerance are bonds**.

If it's only for a year or two, it's better to save the whole thing.

It's still better to invest regularly, there is a kind of currency **, you can invest regularly, you can convert it into cash at any time, there is no handling fee, and the interest rate is equivalent to 3 months of time. If you save the whole thing, if something happens, you will not be able to get it.

The key depends on your psychological and economic ability, long-term investment from low to high or fractional deposits, bond type, fixed investment.

Regular investment is better, but you can be aggressive.

**Suitable for regular investment. The latter is equivalent to a three-month fixed interest rate for one year, but it is stable. It is ready to use. **Investment will be risky, but the long-term return is much higher than that of a lump sum deposit or even higher than that of a fixed term.

**Regular investment is good. Because the interest rate of the deposit is fixed, there may be a certain game in the fixed investment.

If it's spare money, of course, it's a fixed investment.

In terms of stability, the interest income of the lump sum deposit can be determined in advance, while the regular investment depends on the operation of the product, and the income cannot be determined.

In terms of profitability, it is very likely that the rate of return on regular investment will be higher than that of the lump sum deposit for a long time, and if there are no big ups and downs in the investment market, the rate of return on the fixed investment will be higher than that of the lump sum deposit.

In terms of risk, since the investment objects are mainly bonds and bonds, the risk is greater than that of bank deposits.

1. It is good to have a sense of financial management. First, be clear about your purpose. Fractional savings are suitable for you, this is a kind of savings; **Regular investment is also suitable for you, which is a kind of financial management.

The purpose of saving is to force oneself to spend less, not to pursue the appreciation of wealth, and its interest rate cannot keep up with inflation; The purpose of wealth management is to choose the right financial products to obtain corresponding returns, pursue wealth appreciation, and take it as its own responsibility to defeat inflation.

2. According to your situation, it is estimated that you cannot afford to take too much risk. Therefore, it is recommended that you invest 200 yuan per month in a yield-enhancing bond**, such as Wells Fargo's products, China Commercial Yield Enhancement**, etc. This kind of ** not only has the characteristics of capital preservation and stability of bonds, but also because it can allocate a small number of ** assets, it can hit new stocks to obtain some excess returns.

At present, the development of China's economy is still affected by more uncertain factors and the constraints of Europe and the United States.

3. When buying, different bank card rates are different, and different channels (such as buying at the bank, buying in **company, buying in **company) have different rates. The cheapest way is to use a small commercial bank card such as an IB card to make an online transaction on the company. **Redemption is very convenient, you can apply for redemption at any time, and it will generally arrive in 3-7 working days.

100 200 or deposit in the bank, **fixed investment starting point to start at least 300 yuan, generally speaking, to use money**redemption within a week, but **fixed investment than the deposit bank to the income is much greater, the specific situation should be analyzed according to your actual situation.

According to your current situation, it is good to save and withdraw in parts, financial management is risky and should be avoided temporarily.

Of course, it is a fairly stable and almost risk-free way of managing money. However, because the risk is small, its return is not high, the interest rate is only 60% of the fixed deposit, and the current one-year interest rate is, the return can be calculated.

The problem of sorting out the remaining money depends on your own financial needs, such as how you can use the remaining money every month for a long time, then choose to invest. If the security requirements are high, such as saving for marriage, buying a house, children's education or something, it depends on the length of the period, such as the money to be used after one or two years, it is recommended to save it, if it can be used for more than five years, then choose to invest, because five years should be able to cross a bull and bear cycle, which is more beneficial to the income of regular investment.

Let's put forward your current situation so that I can give you a detailed analysis.

Forget it, of course.

In fact, the so-called regular investment** is also a kind of lump sum withdrawal.

Calculate. However, banks implement the interest rate set by the People's Bank of China, and the interest rate is the same for deposits 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. And so on.

The risks and benefits are directly proportional.

If you want high yields, you can buy**or buy**.

Buying ** requires you to have an understanding of the **market, and according to the bank account number (set as a three-party deposit) to ** company to open an account, the minimum amount of account opening is set by ** company, generally 5000 yuan. Online trading is available. Holding ** is equivalent to holding the assets of a listed company, so ** changes with the company's performance and ** supply and demand.

There are two types: open and closed, and the open can be purchased directly at the company, or through various banks. Closed** must open **account** and buy it like buying and selling**.

There are several types of open-ended, currency, bond, principal-guaranteed and open-ended. Currency**No subscription and redemption fee, the income is equivalent to a half-year to one-year deposit, which can be redeemed at any time without losing money. The subscription and redemption fees of the bond type ** are relatively low, and the income is generally greater than that of the currency type, but there is also a risk of loss, and the loss will not be very large.

**type** subscription and redemption fees are the highest, **assets are**, ** when ** there is a risk of loss, but if ****, there is a profit.

The best financial management should be based on your actual situation.

The amount is small, it is recommended that you buy foreign exchange, there is no practical meaning in saving, and the benefits are too low.

People who have just graduated and joined the work force should be financially stable, because they have no savings and no experience, and they will not be able to bear big setbacks and mistakes. If you can't use one-third of your income.

Good luck!

Billing**510050 510180** Only handling fees are charged, and others are not included, unlike **taxes.