How to manage money better simple way

Traditional financial channels

1, bank savings

Bank savings is one of the most traditional ways of financial management, low interest rates, low risk, for many people who are not willing to toss is the first choice for financial management. Bank savings are mainly divided into current savings (interest rate of about 0.3%), regular savings (the longer the interest rate is higher, usually about 1.5%-4%). You can

See the same amount of money in the same bank, and the returns on regular savings are generally a little higher than those on current savings. If you have not agreed with the bank to automatically transfer the deposit, then the bank card account regular maturity will generally be converted to current, if you want to continue to save the bank regular, you can make an appointment with the bank in advance to transfer the deposit, if you are a passbook user regular savings will not be transferred to the bank card.

Bank call savings every working day can be operated to redeem, basically will not affect the daily use of funds; and fixed-term deposits withdrawal can be basically divided into three categories: the full amount of the maturity of the withdrawal, according to the prescribed rate of interest and principal at a time to settle; the full amount of the early withdrawal, the bank according to the withdrawal date of the listed announcement of the interest rate of the demand deposits; part of the early withdrawal, if the remaining fixed-term deposits are not less than the starting amount of the withdrawal of the part of the For partial early withdrawal, if the remaining time deposit is not less than the starting deposit amount, the bank will pay interest on the withdrawn portion at the time deposit rate listed on the withdrawal date, and the remaining portion of the deposit will be executed according to the original interest rate and term. If the remaining time deposit is less than the starting deposit amount, interest shall be paid at the demand deposit rate listed on the withdrawal date and the time deposit shall be liquidated. In addition, local banks with lower visibility will again offer slightly higher returns than those with higher visibility.

2. Fund

Fund refers to a securities investment fund that brings together the funds of many investors, which are held in trust by a fund custodian (e.g., a bank), and managed and utilized by a professional fund management company for the purpose of realizing returns by investing in securities such as stocks and bonds. People will be open-ended funds are divided into four basic types

Type: that is, equity funds, mixed funds, bond funds, money funds, the first two categories belong to the capital market, the risk of a large return is also relatively large; the latter category of the money market, the risk of a small, small return is also known as "quasi-savings products".

Funds since the release, has been recommended by the people of the country, but we have to look carefully at its return curve when shopping for funds, some of the fund's curve looks like a smooth and considerable returns, but there is a certain degree of concealment in which it may be presented as a long time the average return curve, so that the loss and income

Because of the elongation of the timeline does not seem to be fluctuating, it is difficult to judge whether or not it is worth it. It's hard to tell if it's worth it or not. In this case, you should look at the recent fluctuations in the curve. There is also a curve that at first glance seems to have risen a lot recently, but in fact his highest and lowest values are not far apart, it is also easy to be confused by this appearance.

3, insurance financial products

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That is, the insurance company's products, compared with the rest of the lukewarm insurance market, the income type of insurance, once launched, will be highly sought after. Income type of insurance is generally more varieties, it not only has the most basic insurance protection function, but also with the nature of financial management, can be described as a win-win protection and investment. Insurance

Products interest rates fluctuate little, depending on the product, such as China life insurance rate is about 6%, Hongkang life interest rates at about 5.5%. Insurance products have been analyzed through long-term observation and analysis, it is practically no risk, such as China Life, there is no possibility of bankruptcy, adequate protection. Insurance products are generally 3 years or 5 years or even 10 years of the purchase cycle, a long time, and the expiration of the need to operate their own redemption, will not automatically return to the live

period. If you surrender the policy in the middle of the time will be charged a fee according to the length of time, probably in the range of 1%-5%. Although insurance products have low risk and stable returns, the purchase cycle is long, and taking inflation into account, too long a period of time and currency depreciation may result in some losses.

4, trust

Trust is the trustor based on the trust of the trustee, its property rights entrusted to the trustee, the trustee in accordance with the wishes of the trustee in his own name, for the benefit of the beneficiaries or for a specific purpose, the management and disposal of behavior, regulated by the CBRC, and banks, insurance, securities and listed as China's four

big financial pillars. The cycle of the trust starts from 6 months and the general interest rate is at 8%-10%. The starting point for investment in a trust is relatively high, usually more than 300,000 yuan, which destines the trust to be a means of financial management for only a few rich people.

The specific operation of the trust is by a well-known platform (such as Yiren Wealth, small win wealth management) set up an asset management company, known as the fiduciary manager and service provider, the user through the trust of the platform in this asset management company to buy by the county government or departments involved in the establishment of the XX County Rural Property Rights Trading Center Ltd. products so as to achieve the purpose of income. From this we can also see that trust projects are generally backed by the government

scenery, which also reflects the side of the trust risk is relatively low and controllable. If there is a risk that the trust company, the project side, the local government will help you find ways to solve, because once there is a payment crisis, it will lead to damage to the company's reputation, for the damage to the reputation of these companies means that the trust company is not the closure of the company.

Purchase of trust products channels:

①Trust company direct purchase. These companies basically have a government background and are strong. Stronger trust companies will have a better project out, but the returns are relatively low, and the market can easily be tens of thousands of models of projects, their own to check is undoubtedly very laborious.

②Buy through a third-party wealth management organization. They will select high-quality projects to recommend to investors, but now the three parties are doing some transformation, send their own contractual funds, so the reliable wealth manager is quite important.

③Bank purchase. Banks have the lowest returns and more limited products, but security is relatively higher.

The risk control of the trust can be considered from 2 aspects: the first is the qualification of the guarantee company, generally 2A level above the guarantee company has been very good, of course, you can call to confirm that the guarantee company has no guarantee that you want to buy this product. The second is to choose a trustworthy big platform. The first is to choose a trustworthy platform, such as a listed company, or the parent company is very powerful like Lu Jinshou in Ping An Group.

5, treasury bonds

The treasury bonds are a kind of government bonds issued by the state in order to mobilize financial resources, which is equivalent to lending money to the state, the state will pay interest and repayment of principal in the promised period. Because the issuing body is the state, it has a very high creditworthiness and is recognized as the safest investment tool. There are also many varieties of treasury bonds, giving investors more choices and more room for profit.

6, futures

Generally refers to a standardized contract formulated uniformly by the futures exchange, which is valued at a certain product, such as copper or crude oil. Once the contract expires, the trader can realize a profit by buying and selling at the agreed time and place, or by making a reverse trade to offset this obligation before the contract expires. When futures are settled, it is not always physical delivery that takes place, depending on the product, and in some cases it can also be the settlement of a spread.

7, foreign exchange

Foreign exchange financial management refers to the individual purchase of financial products in currencies only for freely convertible foreign currencies, earnings have also been calculated in foreign currency values, the investor can be traded through the foreign exchange automatically. Foreign exchange trading market is wide, high yield, the prospects are very broad, and trading is free, 24 hours a day, Monday through Friday

The sale and purchase can be made at any time. Foreign exchange is not subject to the control of large organizations or countries, only with a country's timely news and policies are linked. Now a variety of foreign exchange financial management varieties have also been launched, giving investors more choices.

8, precious metal investment

Precious metal investment is divided into physical investment and electronic trading investment with leverage, as well as the bank class of paper gold and paper silver. Trading institutions, types, platforms are different, the corresponding amount of deposit demand also makes a difference, can be traded in the global continuity of the market, not be manipulated, open and transparent, high risk high yield cycle is short. Precious metals investment knowledge

9, real estate investment

Real estate investment refers to the investor in order to obtain the expected uncertainty of the benefits of a certain amount of cash income into real estate business behavior. Real estate refers to the land and land fixation, including a variety of buildings, such as houses, bridges, TV towers, underground drainage facilities, bridges, etc.; growing on the

Land on the various types of plants, such as trees, crops, flowers and plants, etc., it is necessary to explain that the fruit of the plant has not yet been picked, harvested before the real estate. This kind of investment starting point is very high, but the return is also great, just a longer time, for personal risk tolerance requirements are higher.

Internet financial products

1, baby financial products

Baby financial products is the Alipay's balance treasure, WeChat Zero Money, Suning Zero Money treasure and other online financial products, the essence of the money fund. The biggest advantage of baby financial products is the low investment threshold, high liquidity, deposit and withdrawal, and optimize the withdrawal speed and user experience, but also many people like to use the online means of payment.

2, stock

Stock is a major form of securities, is the abbreviation of the share certificate, is a joint-stock company to raise funds and issued to shareholders as a certificate of shareholding and borrowed to obtain dividends and bonuses of a valuable security. Speculation is more common and hot investment, its high-risk, high-yield, the biggest feature is uncertainty, so investors should remain cautious, see the right time to invest.

3, bonds

Bonds are debtors such as the government, enterprises, banks and other debtors in order to raise funds, issued in accordance with legal procedures and to the creditor commitment to the specified date of repayment of the principal and interest of the securities. The interest rate of the bond is pre-determined and is a visible return. Among the bonds issued by the government is lower risk, and banks and enterprises issued a wide variety of bond varieties, need to combine their own needs to make a choice, which is also a relatively hot investment. Detailed

4, crowdfunding

Crowdfunding refers to the use of group purchasing + pre-purchase form, to the netizens to raise funds for the project mode, with a low threshold, diversity, relying on the power of the masses, focusing on the characteristics of creativity, has now become the startups and individuals to fight for their own projects for the funds of a channel, fundraising projects must be in the initiator of the preset time to reach or exceed the target amount to be considered a success. Crowdfunding is not a donation, all the support of the supporters must have a corresponding return. Top Ten Crowdfunding Sites

5, Virtual Currency

Virtual currency refers to the currency that can be used to purchase goods and services within a specific community in virtual space, and well-known virtual currencies include bitcoin, Tencent's Q-coins, and Shanda's point coupons, etc. The purchase of virtual currency is a personal behavior. Purchase of virtual currency belongs to personal behavior, this behavior is not protected by law, its network, cross-border is more obvious, although the income is tempting people, but must be careful to think about, to avoid network fraud. The world's top ten virtual currency ranking