What are the financial management methods?

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 declined, the fundamental purpose of all policies is to stabilize house prices for a long time and promote the healthy development of the property market. 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.

Extended data:

Bank financing risk:

Any kind of financial management has a certain risk of loss.

Bank wealth management products can be divided into five risk levels: R 1, R2, R3, R4 and R5, in which R 1 has the lowest risk level and R5 has the highest risk level.

R 1 grade belongs to cautious products, R2 grade belongs to stable products, R3 grade belongs to balanced products, R4 grade belongs to radical products, and R5 grade belongs to radical products. The higher the risk level, the greater the possibility of loss. Of course, the higher the risk, the higher the income.

When people buy bank wealth management products, they should choose products according to their risk tolerance. For example, if you are pursuing stability, you can choose R 1 and R2-rated wealth management products, such as government bonds, money funds, bond funds, etc. If you pursue high returns, you can invest in R3, R4 and even R5 wealth management products, such as index funds, hybrid funds, trusts, gold and so on.

Fund management:

A fund refers to a certain amount of funds set up for a certain purpose. Usually, the funds we talk about mainly refer to securities investment funds. Fund financing is also fund investment, which is an indirect way of securities investment.

Fund management companies concentrate investors' funds by issuing fund shares, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers, and invest in financial instruments such as stocks and bonds, and then * * * bear investment risks and share expected returns.

In layman's terms, what is fund financing? It is nothing more than an investment method in which investors subscribe for a certain share of funds and the fund management company is responsible for investing in securities such as stocks and bonds to achieve the purpose of maintaining and increasing value.

Fund financing risk:

In fact, any financial management is risky, but its risk changes with the nature and characteristics of the invested products and the fluctuation of market conditions. Generally speaking, the risks of fund financing can be divided into two categories: systematic risks and unsystematic risks.

Systematic risks mainly include market risk, credit risk, liquidity risk, inflation risk and policy risk. These risks are uncontrollable, but the probability of encountering them is generally not high. Non-systematic risk often refers to the risk caused by management and operation technology.

Generally speaking, the risk of fund financing is slightly higher than that of bank financing, but compared with other investment products such as stocks and futures, the risk is still relatively small.