Before managing money, I suggest you clarify several concepts. \x0d\ The first idea is that you ignore money and money ignores you. Many people always hope that they can keep raising their wages and have more income, thinking that they can live a happy life with these. In fact, many times, although I earn more, I spend more money to buy a bigger house and a better car at the same time, and life is tighter than before. In the long run, it will form a strange circle. Therefore, if you want to jump out of the cycle, you must develop good financial habits and seriously overcome some unnecessary desires. \x0d\ The second concept of financial management, deposit is definitely not your only one. Many people choose to deposit money for safety and convenience. With that little interest, they simply turn their golden mountain into a dead mountain. If you invest, you may not earn much at first, or even lose money, but after a long time, you will gain something. In addition, you can constantly improve your investment ability in this process. If you suddenly have money one day, it will be too late to learn to invest. It's like a war. It's always beneficial to exercise first. \x0d\ Idea 3: Investment is not necessarily risky. Many investment products are as simple and convenient to invest in, for example, the convenience of funds can be said to be similar to demand deposits. Stocks and even riskier futures are not so terrible, and many families are fully capable of taking such risks. In addition, if you are too troublesome, you can also entrust various financial experts to help you! \x0d\ The fourth concept is: compound interest makes billionaires. Suppose a 25-year-old office worker invests 10000 yuan and earns 10% annually. By the age of 75, he will be a millionaire. In fact, there are no complicated skills in investment and financial management, only three basic conditions are needed: fixed investment, pursuit of high returns and long-term waiting. So invest early, stupid birds fly first. As long as I fly a few years earlier than others, even flying birds can hardly catch up with me. \x0d\\x0d\ Three master keys to open the door to investment \x0d\ After you have the concept of financial management, you need to master three master keys to open the door to investment: value investment, diversified investment and long-term investment. Value investment is how much you spend to get what you want. Don't be fooled by appearances. Diversification, in layman's terms, means not to put all your eggs in the same basket. The specific way is to diversify wealth management products, put some deposits, buy some stocks and prepare some gold, because the risks of different wealth management products are different, and sometimes they can offset each other. It can also be dispersed in the same financial product, such as buying different kinds of stocks and bonds with different life cycles. The concept of long-term investment is not to be too diligent. If you go in and out of the market all day, you may not earn enough money to pay the handling fee. Unfortunately, many people do. \x0d\ We know that risks and benefits are generally proportional. Next, we analyze nine common investment products in the investment market. According to the level of risks and benefits, we divide them into three categories: low, medium and high. Of course, this is just for reference. Because many investment products are mutually inclusive, for example, the risk of buying growth funds may be higher than that of buying blue chips. And real estate investment is sometimes risky. \x0d\\x0d\ In order to illustrate their respective characteristics more vividly, we try to use nine of the 12 zodiac animals as metaphors. For example, bank deposits are safe and steady, and they are not good at sports, like cute pigs; And bonds pay interest regularly, such as old hens laying eggs; The stock market naturally loves "cows" and is afraid of "bears"; The fund is as carefree as a swift horse; Insurance is mainly used to protect accidents in life; Real estate investment, advocating the practice of three caves of cunning rabbits; Futures are closely related to risks, and there must be "dogs" guarding the door of risks; Foreign exchange investment, opponents all over the world, everyone is as weak as a sheep; Dragons are sacred and supreme, as precious as gold. \x0d\\x0d\ Treat investment and financial management with a normal mind \x0d\\x0d\ After we have a certain understanding of the above nine investment products, we can take further actions. The first thing we have to do is to check our family property. After arranging the necessary fixed expenses, we can see how much "spare money" we have left to invest. We absolutely disapprove of investing with "living money" because it is not easy to get a correct attitude. The higher the idle money, the greater the risk of investment. Secondly, it is necessary to clarify the goal, which is to provide for the aged, educate children or buy a house? How far do they need to go? Think about your goals many times. You can stay with your family, or you can go to the bank or other professionals. \ x0d \ x0d \ Of course, this is not absolute. The dragon gave birth to nine sons, and each son was different. Everyone's situation is different, and you can specialize in the industry. If you are more comfortable with a certain wealth management product, you may wish to increase its proportion. There doesn't need to be a thousand people, there is only one combination. \x0d\\x0d\ Investment focuses on persistence, and we should have a normal mind. Don't give up because of one or two failures. At the same time, you need to constantly evaluate and adjust your financial planning, that is, to grasp the relationship between economic cycle and investment. As the saying goes, "there is water in a big river, but there is no water in a big river", and all investments are inseparable from the overall economic development of the country. Investment varieties have different personalities, some grow with economic development, while others like to play against Taiwan. Therefore, the focus of investment in different economic cycles is different. For example, when the economy is good, you can invest more in growth stocks and real estate. In bad times, pay attention to bank deposits, bonds and gold. \ x0d \ x0d \ As a person who has never done venture capital, it is more appropriate to invest in the fund first. As convenient as bank deposits, funds are the best investment products for the transition from risk-free investments such as bank deposits to risky investments such as stocks. Through the investment window of the fund, you can enter the investment hall and learn a lot about investment and financial management. With the improvement of the level, you can engage in other investments, and the risks you bear can also increase gradually. In the end, you will be handy.