As a leading company in the p2p platform, the Renrendai platform has also encountered thunderstorms, which has also sounded the alarm for us ordinary people. As ordinary people, how should we manage finances?

The editor feels the following points.

First, for most ordinary people, it is quite difficult for them to make money, which is all their hard-earned money. Therefore, in the process of financial management, we must choose products that guarantee principal and interest. We can choose state-owned banks such as Industrial and Commercial Bank of China and China Construction Bank to purchase some relatively stable financial products or large-denomination certificates of deposit.

Second, some people may have low returns from purchasing financial products. In this case, we can also speculate in stocks or enter the futures market based on our own strength. However, there are barriers to entry into the stock and futures markets, and this is a high-risk, high-yield activity, so ordinary people must be mentally prepared and have a certain degree of risk awareness before entering.

Third, if we have a large amount of funds in our hands but don’t want to buy financial products or speculate in stocks, we can also choose a relatively safe method. For example, we can purchase shops to compete for investment. The editor here would like to remind everyone that you should not buy a large number of houses for sale and profit from the houses. Because the central government has formulated a policy of housing for living, not for speculation, and there are many restrictions on second-hand housing transactions, and high taxes and fees are charged, it is not reliable to buy and sell housing for financial management. For shops, although the revenue cycle may be longer, it will be stable and on its own in the future. When you want to develop other industries, you can also run your own shops.

Fourth, if we have more idle funds in our hands, we can also invest based on our work status or connections. However, investment and entrepreneurship are relatively difficult, and success is related to our own strength.

The editor’s feelings are as follows. What other thoughts do your friends have? Let’s discuss them together.