1. financial management method you need to open a corresponding financial management account when you go to a bank or securities company to manage money. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters. The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day. The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.
2. The first level of financial management is to handle and use money effectively and reasonably, so as to maximize the effect of spending money and meet the needs of daily life to the greatest extent. The second level is to invest the extra money to produce the best financial return, which is the level of Qian Shengqian. The third level is to plan life from the financial point of view, make use of the existing economic and financial conditions, maximize the value of their human resources, and prepare for future development.
3. Planning Review your assets, including stock assets and future earnings expectations, and know how much money you can manage is the most basic premise. Setting financial goals requires qualitative and quantitative clarification of financial goals from the specific time, amount and description of the goals. Identify the types of risks. Don't assume risk preference without considering any objective conditions. For example, many customers put all their money into the stock market without considering their parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear. Asset allocation strategy is to allocate assets among all assets, and then choose investment varieties, investment opportunities and investment values.