Financial analysts need to understand four aspects to determine goals, understand financial management methods, allocate assets according to goals, implement and track and control risks according to plans. 1 million is a considerable savings. How can we make it happen? It is even more crucial to realize that this money can generate money. In fact, no matter whether it is 1 million, 100,000, or 500,000, some basic issues that need to be considered when doing financial planning are universal, such as "don't put your eggs in one basket" and make percentage planning.
Have a 10% reserve fund on hand. Many financial managers have a misunderstanding, that is, since they are managing money, they cannot have spare money on hand. However, when there is a particularly good financial product at a certain time, they want to go When I quickly made an investment and switched to it, I suddenly found that there was no money in the account, and I missed a good opportunity to invest. People who have just started to manage finances have suffered such losses many times. It is recommended to keep some money in your account. If you put 10% of the reserve fund in Yu'e Bao, you can earn 4% of the income every day plus your daily salary. You will not miss out on good opportunities when good financial products appear. In addition, it can also be used as an emergency fund. Once an emergency occurs, this fund can be used for emergency relief. Other investments may not be able to pay back as quickly~
20% of the fund is fixed investment. In the plan of buying a car in three years and buying a house in five years, fixed fund investment is a good choice. The advantage of fixed fund investment is that when a large sum of money is needed at some time in the future, the situation of those who have made fixed fund investment will be significantly better than those who have not. people. In recent years, there has been almost no loss in fixed investment funds, and the longer the period, the higher the income the fund will earn, and the smaller the risk. A 10-year fixed investment fund has almost zero risk, so fixed investment funds can be said to be a A very good long-term investment option.
20% venture capital. High returns from risky investments are accompanied by high risks. Users who are no strangers to gold and foreign exchange can participate in these investments appropriately and seize the opportunity well. The returns are really good; at the same time, you can also consider choosing some For blue-chip stocks that are relatively promising, try them at the right time. In recent years, retail investors have almost made no money. If you value venture capital more, it is recommended to buy stock funds and leave the money to professionals to help you manage it. In the ever-changing stock market, it is best to pool the investment talents of all retail investors. A chance to compete with the bookmakers.
20% dividend investment. Nowadays, many young people are not only excellent employees in the workplace, but also small bosses. They open online stores, bars, leisure bars, gyms, etc. with a few friends. If friends can help, they can also Enjoy dividends. When business is good, the dividends are higher than other financial products. Even if you lose money and sell it, you can still recover some costs, and the money wasted is not a lot.
30% Internet financial products. In recent years, whether it is banks or P2P financial platforms, there have been many relatively good financial products. Especially in the first wave of the boom, many people have received generous returns, but some people have still suffered losses here. However, in recent years, regulatory authorities have become more and more strict on Internet financial management products, and P2P compliance is also progressing step by step. The entire industry is developing steadily in compliance, and the future is relatively bright, but we must be careful when investing. Keep your eyes open, identify the platform carefully, and choose carefully before investing your money.