For college students who have just stepped into the workplace, wages are low, but renting a house and spending are high. It seems that there is no way to manage money, but money is not an obstacle and an excuse for financial management. Proper financial management should begin as soon as possible. How can financial management continue to increase?
I. Learning to book
Just graduated from college students with limited salary, more life needs, how much monthly salary, how much to spend, in the heart to calculate this account clearly, it is best to keep a daily account. If there is no plan for own funds, it is likely to become a "moonlight family", and even make ends meet, let alone financial management.
Second, bank savings
For newly graduated college students, saving is a very practical way of managing money, it is best to set a deposit amount according to their monthly living expenses, and then choose the current period, regular or zero deposit Waiting for deposit method. The advantage of this kind of financial management is that the principal is safe and convenient to use. The disadvantage is that the income is small and suitable for more conservative people.
III. Monetary Fund
The Monetary Fund has low requirements for investors' financial knowledge and investment funds, and the risks are relatively low. It has the characteristics of low risk, stable income and good liquidity. It has the characteristics of “quasi-savings”. But the rate of return is even more impressive than the bank's demand deposits. Investors should try to choose a relatively large-scale, long-term performance of the money fund to invest, because the larger the scale, the greater the space for fund operations to move, it is more conducive to investment operations.
IV. Fund fixed investment
Fund fixed investment refers to investing in a designated open-end fund at a fixed amount (such as 8 days) at a fixed amount (such as 500), similar to the bank's zero deposit and acquisition method. The name of "lazy people managing money." Its advantages are simple procedures, timeliness, and equalization of costs and compounding effects. For young people who have just joined the work, they are currently in the process of accumulating the first pot of gold, so investors can consider making a fund investment and not accepting a one or two years of funds and financial management without affecting the quality of life. Accumulate knowledge and further develop more mature financial planning.
For newcomers in the workplace, there is a choice to ambush low-priced stocks, adhere to the medium and long-term investment strategy, do not frequently change stocks in the middle, first do a stock, long-term adherence, the yield will be considerable. Of course, the risks in the stock are also unpredictable, and this requires a clear understanding.
VI. P2P financial management
For young people, P2P financial management is also a good financial management method. The threshold is low, the income is high, the operation is simple and flexible, and the required financial management knowledge is not much. On the basis of choosing a good platform, the income is also Still quite impressive.
"You don't manage money, you don't care about money, you manage money, you manage money", for young people, learn more about financial management, choose good methods, and always be cautious, don't fantasize about eating a big one. Fat people, we must understand the order, the only way to keep their funds safe, and accumulate over time, will gradually realize financial freedom.