What are the financial management methods introduced in this course?

There are six common financial management methods:

1. deposit: this is the financial management method that most of us will choose. We deposit our own funds in the bank and earn some interest according to the amount of principal deposited, so as to make money, but the interest earned may not keep up with the pace of inflation. The biggest advantage of deposit is safety. China's deposit insurance system is also specially designed to protect depositors' deposits. Each bank can guarantee the maximum principal and interest of 500,000 yuan, which once again shows the superiority of deposits.

2. Bank financing: In recent years, bank financing can be said to be very hot. Both young and old people have joined the ranks of financial management and regarded it as a safe haven. Although the rigid redemption of wealth management products has been cancelled after the new asset management regulations, people's enthusiasm for purchasing wealth management products has not weakened at all, and the guaranteed income has become a thing of the past, but many people who have experience in purchasing wealth management products can find that although wealth management products no longer guarantee the guaranteed income, the final income is almost the same as expected at the time of purchase.

3. stocks: although many of us don't understand finance, it doesn't affect most of us to buy stocks. Although the stock market has been rising in recent years, it has never retreated. But the stock market does fluctuate greatly, but you will still make money if you choose the right one, so the stock earns income through risk.

4. Funds: Many people have bought funds, and the risk of funds is smaller than that of the stock market, and the income is not low. I recently searched for funds in Weibo. Because of the influence of the stock market, funds rose rapidly and many people benefited. There are also many kinds of funds. If we are stable, we can buy money funds and bond funds with low risks and low returns. If you are risk-oriented, you can buy some hybrid funds with high returns and high risks.

5. Property market: There are not a few people who have made a fortune through real estate speculation in recent years. Although since last year, most of the country's property market has been cold and house prices have fallen, it is the fundamental purpose to look at various policies and stabilize house prices for a long time. Promoting the healthy return of the property market will be the main direction. I think the property market is bullish for a long time, at least asset preservation is no problem. And it is a tradition to buy a house and land in China. Houses are fixed assets, which can be rented out to earn rent and left to our future generations. It's a good choice.

6. Insurance: Speaking of insurance, I have to say that many swindlers cheat money through insurance, which is also the insurance chaos in recent years. The insurance industry is never optimistic. But insurance does have its advantages, and we should treat it correctly. His basic point is that he can protect our interests in a critical moment. At present, the phenomenon of difficult and expensive medical treatment has not been completely solved. Once a serious illness is found, it may really destroy us, so we should buy some serious illness insurance, serious illness insurance and children's insurance to resist unknown risks.