Tell us about how you manage your money?

Fixed income** is a valuable type of income that requires the issuer to pay interest and repay principal to investors at the time and manner specified at the time of issuance. Its risk is low, the return is relatively stable, suitable for the needs of conservative investors, and at the same time, it is also widely used in asset allocation of various risk levels.

What about the risks of private equity** investment? Generally speaking, the starting point and required return of private equity** are relatively high. The investment risk is relatively high, and it is issued in a non-public way to specific investors.

It's best not to make a long-term investment in the beginning until you have a full understanding of P2P platforms. After all, although the long-term return is slightly higher than the short-term, the payment cycle is too long, and the capital week is not as flexible as the short-term. However, we should not blindly pursue the short-term and mistakenly choose too many short-term targets.

Everyone should know that risk and return are directly proportional, and the same is true for P2P financial management. Due to the difficulty of short-term capital turnover, some platforms engage in illegal fund-raising, and attract users to invest and raise funds by issuing fake bids with excessively high returns. The author suggests that novices must not covet excessive returns when choosing a platform.

A platform like Housing Easy Loan that publicizes the direction of funds can ensure that there will be no problems such as illegal fundraising and capital pooling.

As a financial planning tool, it is of great significance, and as an important part of the financial portfolio, asset allocation with other investment products can obtain relatively stable financial returns.

Commercial insurance is now a household name. If we take precautions, even if we can't prevent accidents, we can reduce certain risks or transfer risks to protect our lives, and this protection can only be given to us by insurance.

Common**also known as public offering**, which part of the people is suitable for investment in common**? Compared with other investment instruments, the starting point of common investment is not low, which is more suitable for public investors.

Although it is suitable for public investment, when making investment, investors still need to determine the right investment for themselves according to their own specific situation.

Nowadays, many people are not worried about having no money, but they don't know how to take care of it, they feel wasted in the bank, and they are worried that the risk is too great, so they need financial planning tools to help.

Financial planning itself is highly professional, and it covers a wide range, such as: insurance, investment, taxation, cash, consumption, education, pension, property distribution and inheritance, etc., so financial planning tools also have a certain degree of professionalism, mainly the following: common, commercial insurance, fixed income, hedging, private equity, foreign exchange, law, personal trust, etc.

I usually buy some ** on Alipay, and occasionally buy some**, but at most I will deposit cash in the bank, and it is a dead period, so the interest rate is the highest.

Depending on the size of the funds, the time invested, and according to the purpose, or the individual's affordability, and the individual's income, etc., are all financed in this way.

1. Make a plan based on your own income. Here are three ways to manage your money safely.

1.To invest in life insurance, first of all, to ensure that your money will not be spent by some unpredictable risks, and to transfer all the transferable risks to the insurance company. In this way, no matter if there is an accident or illness, the insurance company will come up with money to cover our losses.

Buying insurance also depends on the income, if the income is not too high, you can choose consumption-based insurance, pay hundreds of dollars a year to protect hundreds of thousands, hundreds of thousands of it is possible; If the income is higher, you can choose participating insurance, and save thousands of tens of thousands of yuan in the insurance company to protect accidents and maintain and increase value.

2.Buy**. In this way, even a world war** is common to the whole world.

I am not afraid that holding RMB in the future is also a piece of waste paper, and it is more able to maintain and appreciate its value. Of course, if it is only used for investment and financial management, there is no need to buy those exquisite shapes, as long as you buy gold bricks or paper **.

3.Buy Treasury bonds. This is the safest one. But the interest rate is not very high, but it is higher than that of the bank.

Financial management, maybe you will need, think about it, since ancient times, there has been a value-added, hedging function. And** can still be bought up and down.

Plan your daily consumption based on your salary, and if you can't do that, make a spending plan.

If you have money, you spend it, and if you don't have money, you plan it.

Hello! The first choice for ordinary people to manage their wealth is to save money, as well as to buy insurance, followed by **, buy**, buy**, buy**, and buy national bonds.

First, the first thing to look at is your risk appetite:

1. If it is relatively stable, do not care about the low return, and need to protect the principal, you can choose to deposit, or insurance, buy **spot, buy**, or buy treasury bonds, these advantages are that the risk is relatively small, but the disadvantage is that the income is small, the change is small, it can be said to be relatively stable.

2. If you are aggressive, you can accept high risk and advocate high returns, then the equity market is more suitable for you, you can consider doing**, spot**, spot**, paper**, etc., these are certain risks, but then there are also high returns, these returns will be accompanied by certain risks, so you need to be cautious when investing.

Second, it is recommended to sort out your capital income and expenditure.

1. Divide each month's money into five parts, one for living expenses and family expenses; One is used to make friends and expand your network; the third is used to study, buy books or train to enrich oneself, and make progress little by little; Fourth, for travel, people live a lifetime, we need to walk a lot of roads, to see very beautiful scenery, the growth of life lies in continuous experience; The fifth part is used for investment, to feed money with money, or to make money out of money.

2. You must use spare money to make an investment, and you must not use the money you urgently need to make an investment, because it is easy for you to make a wrong judgment, and finally make an investment not to put your eggs in a basket, you can consider doing some hedging, so as to minimize the risk.

Third, finally, there is no best financial product, only the most suitable, to do investment, first of all, to figure out what products are suitable for you is the most important, if you have more time, you can consider doing **,**,**, etc., if the time is tight, you can consider**, or deposits, etc.

Buy currency**, Yue Bao, wealth management products plus a small amount of time deposits.

Agree to take inventory.

Large funds seek guaranteed returns, small funds gamble, and seek high-risk returns.

There is no specific template for financial management, and all plans should be analyzed according to their own situation, and they should also consider risk tolerance, amount of funds, requirements for the rate of return and the period of use of funds, etc.

Based on my own situation, I will talk about the issues that I must consider when managing my finances.

Analyze your own situation.

Analyzing the current situation is a preparation for making a plan. If you don't know yourself, it's easy to get overwhelmed.

For example, although I work in the financial industry, I am very busy at work, and I don't have time to watch the market during the day, and I can't review the market at night. Combined with my own financial situation, risk appetite, familiarity and control over the product, I must definitely choose a financial management method that saves me worry and effort.

Factors that must be taken into account:

My assets, my liabilities (credit card purchases), my monthly normal income and expenditure, and my spending plan for a specific period of time.

By what means to achieve the goal.

In addition to the normal five insurances and one housing fund, the balance of assets will also be achieved through the following means.

Daily living expenses: Alipay, demand deposits: fixed deposits in different time periods to prevent products that lead to financial ruin in case of any situation:

Accident insurance, critical illness insurance, and medical insurance are the money reserved after 10 years: the futures annuity insurance of different insurance companies keeps the funds relatively stable

**(Regular investment mode),**Other products: US dollar wealth management products, occasional paper buying**Special circumstances: unplanned selection.

Get into the habit of categorizing your funds.

The strict approach should be bookkeeping, but I think that as long as I have a rough plan for my expenses, I will not be too calculating the details, otherwise my energy will be involved in trivial matters.

For example, you have a good idea of how much you have to pay each month:

Water and electricity expenses (increased in winter and summer), property fees (fixed), their own monthly and annual annuity insurance, living allowances to parents, and the money that must be spent (food, travel expenses) to buy things indiscriminately have a total standard, and credit cards have been repaid in full these years.

To sum up, no matter how you earn and how you spend it, the premise is that there must be sufficient liquidity every month, and all the money is rolling. Although the date is not accurate to replace other products immediately after each expiration, it will basically start to consider how to split the funds after the payment of the products that are about to expire some time before some special needs and large expenses. Financial management is actually to take care of "resources", and a long stream of water is the way to manage money.

As for making money, just do what you have to do.

I put part of the money in a fixed term, put part of the money in **, and part of the money to buy currency**.

In fact, I don't know how to manage money, under normal circumstances, I will take out a certain amount of money every month and save it, and then use it as an education for my children**. Sometimes I will go out to do odd jobs to earn some.

Personally, I would put 1 5 of my money in the ** market. You can buy ETFs in **, or invest in convertible bonds, or you can buy some ** that you are optimistic about, so that you can revitalize your money.

I bought some **, I haven't moved much when I put it up, and I haven't made much money, so it seems that it is still not suitable for investment.

Six Habits to Develop in Managing Money Habit 1: Keep a record of your finances. If you can measure, you must be able to understand, and if you can understand, you must be able to change.

Without consistent, organized, and accurate records, a financial plan is impossible. Therefore, it is necessary to keep a detailed record of your income and expenditure at the beginning of your financial plan. A good record can enable you to:

1. Measure your economic position, which is the basis for developing a reasonable financial plan. 2. Effectively change the current financial management behavior. 3. Measure progress towards the goal.

In particular, it is important to keep financial records and establish a file so that you can know your income, net worth, expenses, and liabilities. Habit 2: Be clear about your values and economic goals.

By understanding your own values, you can establish economic goals that are clear, unambiguous, authentic, and feasible. Without clear goals and directions, you can't make the right budget; If you don't have enough reason to discipline yourself, you won't be able to achieve the goals you want in 2, 20 or even 40 years. Habit three:

Determine net worth. Once the economic records are done, it is easy to calculate the net worth, which is how most financial experts calculate wealth. Why do you have to calculate your net worth?

Because only by knowing your annual net worth will you know how much you have moved towards your goal. Habit 4: Know your income and expenses.

Few people know exactly how their money is spent, or even how much they earn. Without this basic information, it's hard to create a budget and plan how to spend it, and you don't know where to spend it, and you can't make reasonable changes in spending. Habit Five:

Formulate a budget and implement it accordingly. Wealth is not about how much you earn, but how much you have left. Budgeting may sound boring, tedious, and contrived, but you can find out where a large amount of money is going in the little things you spend on a daily basis.

In addition, a specific budget is very beneficial for us to achieve our financial goals. Habit 6: Cut expenses.

A lot of people complain at the beginning that they can't afford to invest more money to achieve their economic goals. In fact, the goal is not achieved by a large investment. Cut back on expenses and save every dollar, because even a small investment can lead to a lot of wealth, such as:

What is the result of saving an extra 100 yuan every month? If you start investing at the age of 24 and can get an annual profit of 10, you will have 20,000 yuan at the age of 34. The longer the investment, the more obvious the effect of compound interest becomes.

Over time, the profits from saving and investing have become even more apparent. So the earlier you start and the more you save, the more your profits will grow exponentially.

Save money, starve not to die is the highest principle, and tighten your belt to save money.