1, savings (current, fixed deposit, bank wealth management products)

2. stocks

3. Funds

4. Futures

5. Precious metals (gold and silver)

6. Commodity investment

7. Antique calligraphy and painting

8. Insurance

9. Foreign exchange

10, national debt

In view of your young age and limited funds, you are in the process of accumulation. So for the time being, let's start financial management from a more conservative financial management channel. That is, bank savings and fund management. Here are two financial channels that suit you:

1) bank savings

Bank deposits mainly include demand deposits, time deposits and bank wealth management products. Among them, current and time deposits are suitable for you, flexible and convenient; Bank wealth management products need 5w because of the high threshold, so they are not suitable for you.

2) As for the fund, the reason why the fund is recommended is that the investment threshold is low and the income is stable, 1000, which is far lower than the bank wealth management products. And there are many kinds. High selectivity. For example, there are stock funds, hybrid funds, bond funds and monetary funds. The risk level and income of these funds decrease in turn. Yes, those with high risks make money faster.

It should be pointed out that the money fund is a substitute for bank deposits, with extremely low risk, and its income is 8- 15 times that of bank demand deposits.

When you are young, you can invest in a wealth management product portfolio, such as 60% ultra-low risk money fund, 20% low risk bond fund and 20% stock fund.

Of course, your priority now is to work hard and save some money. After 1000-2000, it will be easy to manage money.

When you are in your twenties, your salary will definitely go up, if you save 2500 yuan every month. Then the following is a financial plan for your reference.

Follow the principle of "income-savings = consumption", save first every month and then spend according to the remaining money. Your financial savings methods can be divided into three categories: fixed investment, fixed deposit and money fund. Let's take the financial planning of 2500 yuan per month for three years as an example.

1. Fixed investment of the fund

The reason for choosing a fund is that the risk of the fund is slightly smaller than that of stocks and bonds, which is about 80% of stocks and 20% of bonds combined into a stock fund. Because the investment threshold of the fund is relatively low, the initial investment is 65,438+0,000 yuan. If it is a fixed investment, it will be 65,438+0,000 yuan per month. At present, two equity funds have been selected, with a fixed investment of RMB 1 000 per month in 500 yuan. I'm going to make long-term investment preparations for the fixed investment of the fund. Although the market is not good now, I earned a share at a low price. If the market has been bad, I won't lose money if I don't sell it, so I have been investing slowly, which is also a kind of compulsory savings.

2. Time deposit

I have been struggling for a long time about whether I want a time deposit, because the interest rate is too low and the flexibility is average. You might as well put all your money in the money fund. Later, I decided to take this one, because time deposits are generally flexible, and from another perspective, they can play the role of compulsory deposits. I won't use the money unless it's an emergency. This is an emergency. I can withdraw the lost interest. So I decided to deposit 1000 yuan every month.

Deciding to deposit it regularly, how to deposit it is another problem. If a single deposit of 12 is adopted, it will actually take me six years to get this 36,000 yuan in three years. Although the interest rate is relatively high, I don't want to delay that long. If lump-sum deposit and withdrawal are adopted, the interest is not cost-effective. Finally, the method I adopted is like this.

Deposit time: 2065438+fixed deposit period in September 2003; 2 years to 6 months to 3 months Expiration time: 2065438+June 2006.

Deposit time: 20 13 10 term deposit; 2 years, 6 months to 3 months due date: 2065438+July 2006.

Deposit time: 20 13 1 1 month fixed deposit period; 2 years, 6 months to 3 months due date: 2065438+August 2006.

Deposit time: 2065438+fixed deposit period in September 2003; 2 years to 6 months due date: 2065438+June 2006.

Deposit time: 20 13 10 term deposit; 2 years to 6 months due date: 2065438+July 2006.

Deposit time: 20 13 1 1 month fixed deposit period; 2 years to 6 months due date: 2065438+August 2006.

……

And so on. So in June, July and August of 2065438+2006, I can get 12000 each, and the interest is higher than zero deposit and withdrawal. When necessary, I can take out some money for emergency according to the scheme with the least interest loss, and I can also avoid forgetting to save money and turning it into a current account.

3. Monetary Fund

It is more flexible to buy the money fund in 500 yuan every month, and if there is a balance in the consumption part of the month, it will also be deposited in the money fund.

Monetary funds are demand deposits and then get regular interest, with an annual interest rate of about 3-5%. The money fund is a zero-risk investment and financial management tool, and does not charge any subscription fees and redemption fees. If you have some deposits now, you can also put them in the money fund, a financial management module. Just like the balance treasure that Alipay just came out, it is a money fund to help us save.

Speaking of funds, by the way, the comparison of fund types. Although stock funds have good returns and relatively high risks, bond funds have a compromise between returns and risks, with lower risks. The returns are lower than those of stock funds, but higher than those of monetary funds.

The above three methods can save 2,500 yuan per month, 2,500 *12 * 3 = 90,000, plus the provident fund, about 500 yuan every month, and three years is 500* 12*3= 18000, which adds up to1.

If you have less money, you can also invest some money to buy insurance to prevent accidental losses. In terms of gold and silver, it has been on a downward trend since May (20 13 (20 13.07 gold is 255 yuan/gram, silver is 3.9 yuan/gram). You can buy selectively and sell when it rises.

Financial management lies in good financial management concept and continuity, and the investment must be idle money. It is best not to invest in life emergency line. Recommend an article: special planning: different financial priorities at different stages of life.