The money for financial management cannot be taken out halfway, nor can it be taken out before the expiration of financial management. After the establishment of financial management, it entered a closed period. You can't do anything when you close the account, that is, you can't withdraw it in advance. Generally, it is stated in the financial management contract that it cannot be withdrawn in advance. After the wealth management product expires, the principal and income will be automatically transferred to the investor's account. However, wealth management products are not guaranteed capital and income products, and there is also the possibility of principal loss after maturity.

Personal finance can be roughly divided into personal assets and personal liabilities. Mutual funds, stocks, bonds, deposits, life insurance and gold are personal assets; Personal housing mortgage loan and personal consumption credit belong to the category of personal liabilities. Financial management refers to financial (property and debt) management aimed at maintaining and increasing financial value. Financial management can be divided into corporate financial management, institutional financial management, personal financial management and family financial management. Financing channels include bank financing, securities company financing, insurance financing and investment company financing. Investment channels include stocks, funds and stocks.

Four sums of money: 1, life financing: the first sum is taken out at any time, such as paying daily expenses; Asset allocation: After deducting the savings and wealth management fund and family meals from subsidy income's monthly salary, the rest will be deposited in Yu 'ebao, change pass and cash withdrawal wallet respectively. 2. Steady financial management: the second category needs to be relatively stable and cannot fluctuate too much, such as paying back the car insurance or even mortgage for half a year, or the tuition for children next year; Asset allocation: after deducting the year-end performance salary and bonus from the fixed expenditure, some investments in sound wealth management products will be retained. 3. Long-term investment: The third category is money that can be used for a long time. Can accept certain fluctuations and callback, and can pursue long-term stable income; Asset allocation: 65,438+0,000 yuan is withdrawn from the monthly salary and allowance income, which is planned in the "permanent investment portfolio". Check once every six months. If the deviation of the portfolio exceeds 5%, it will be rebalanced. 4. Insurance: The last sum of money is to give yourself and your family some insurance and protection; Asset allocation: 4,780.5 yuan is withdrawn from the annual year-end performance wage income to pay personal commercial insurance premiums.