First of all, we must understand that the purpose of our financial management is to preserve and increase the value of our spare money. As for how much income we earn, it is actually closely related to your principal.

If you are a young man who just graduated, the original principal is only tens of thousands of yuan. If you calculate by annualized 10% and the annual income is several thousand yuan, the cost you need to pay is: the liquidity of this money is poor, and at the same time, you need to investigate and analyze the investment platform, which requires energy and worry from time to time.

Earning thousands of dollars is actually only your salary in January. However, if the platform you invest in is overdue or even liquidated, you can lose tens of thousands of dollars. Think about it, you need to earn these tens of thousands of dollars through financial management.

Therefore, if you have the awareness of investment and financial management, don't easily invest in unclear platforms or projects, especially those with super high returns and constantly sending messages to take you to do a project, which is extremely low.

If you are weak in risk awareness and tolerance, put it in Yu 'ebao to facilitate consumption.

Moreover, at present, I think there are only two kinds of projects suitable for public investment: P2P online lending and Public Offering of Fund.

Let's talk about P2P platform first. Because I am a practitioner, I may be more cautious. 20 18 The whole market is not good. I started thunderstorm mode in June, but most platforms are expected, because there are at least two types of platforms, high-return wool platform and advertising platform. We know it won't last long, but it's only a matter of time, or a lack of a fuse to light it. Therefore, those ultra-high-yield platforms, current products, one-day or seven-day bids, or give up as soon as possible. Don't participate in lending platforms that you can't see, such as not knowing who the borrower of the platform is, calling customer service for consultation, unprofessional customer service and poor website experience.

If you have experience in P2P online loan investment, it is still recommended to diversify investment, multi-platform, multi-target, and then read more industry information articles, communicate with platform customer service staff, and learn more about online public opinion on the platform. It is always right to know more.

Public Offering of Fund can be purchased directly from WeChat Finance or Alipay internal fund board. Although it is consignment, the cost is quite low. In addition to the method of fund screening, there is another point to note: try not to invest in those funds that are popular all over the world, or join the optional wait-and-see first, because a recommended fund is likely to be recommended by a gratifying rise. Buying at this time is likely to be a high-level entry, which is not cost-effective.

Generally speaking, everyone in the fund market pays more attention to the fixed investment of the fund, so this part can pay more attention in peacetime. Now this market is in a downturn and fluctuates at the bottom. If you are optimistic about the index fund of a certain industry, you can try it for a while.

If you don't like risks, you can directly choose money funds and pure bond funds. Although the income is less, you have less chance to see "green".

The above is the investment method that I think most people are more suitable for, with low starting threshold and convenient operation.

Through the planning of investment and financial management, know where the money should be spent, avoid unreasonable consumption patterns, and try to avoid advanced consumption tools such as flowers, loans and credit cards.

To sum up, financial management can make money, but it has a lot to do with the amount of principal. At the same time, it is impossible to get rich overnight and earn a lot of money, but there are still some risks. But through investment and financial management, you can face up to your money view, manage your cash flow well, prevent unreasonable consumption and look forward to a better life.