If you want to manage your wealth well, you must first understand your basic situation. How much property do you have? What are fixed assets? How much working capital is there? How much debt do you need to pay? How much can be reinvested? What is your (family's) usual total income? What is the usual total expenditure? What kind of social and economic status is oneself (family) in? Have you mastered certain investment methods and skills? How much investment loss can you bear? If you think clearly about the above questions, you can clearly understand your situation and not be too blind.

When it comes to good financial management, we must do it well. One of the most important financial management methods is to design a reasonable financial portfolio, thus effectively increasing wealth.

You can choose the way of financial management according to your own specific situation.

1. financial equation: 25% storm (high-risk investment) /25% steady attack (relatively low-risk investment) /50% steady defense (family life guarantee and life risk guarantee)

2. Four-way family financial management "43,265,438+0 Newton principle": 30% of income should be reserved for daily expenses, the remaining 65,438+00% should be invested in insurance, 20% should be invested in savings and capital preservation, and 40% should be used for venture capital. (Radical and conservative points are adjusted again)

At present, the annual interest rate of the bank is just 2.5%, so I suggest you diversify your investment.

Among them, 20% is reserved for daily opening and emergency use, 10% can be used as capital preservation insurance, and 20% can be used as fund bonds. 50% is invested in gold foreign exchange, which is less risky and easy to control.

Take 50 thousand as an example

If you deposit 1 year in the bank,

50000*2.5%+50000=5 1250 yuan.

Gold foreign exchange 65438+ 10 monthly income 10%-30%. Take 3 months as the first quarter, including profit and dividend income.

{50000+(50000 * 30%) * 50%} * 3 = 72500 yuan

Fund debt depends on the type you choose, depending on the actual situation.

The average annual yield of bond funds is 7%~ 10%.

50,000+50,000 *10% = 55,000 yuan

The specific diversification of investment should be based on your actual situation and in the specific financial planning.