Financial management methods suitable for the poor

Savings is a traditional financial management tool and one of the indispensable financial management options, with low risk, safe property and guaranteed principal income. The disadvantage is that the income is too low.

Second, bank wealth management products

Compared with most wealth management tools, bank wealth management products have controllable risks and relatively stable returns. But it needs a certain investment threshold. He is more flexible than saving money.

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Three: gold

It is said that gold is a symbol of wealth and a "hard currency" property to protect it. Gold investment includes not only physical objects, but also rich forms such as gold futures and paper gold investment. But investors should pay attention to the risk of gold price fluctuation.

Four: Monetary Fund

Safer products include money funds, certificates of deposit, smart deposits, etc., but the returns are relatively low.

Five: Develop bookkeeping habits.

It is precisely because of low income that we should develop the good habit of keeping accounts. After work, I need to keep simple accounts and statistics of my personal income and expenses, and make careful analysis to reduce expenses and save a small sum of money.

Six: P2P asset management

Peer-to-peer asset management is one of the investment methods, with high returns, and the annual return is generally around 6%- 13%, with low risk. It is reasonable to take 100 yuan as the investment threshold.