1.貨幣基金理財。貨幣基金指的是像微信的理財通、餘額寶等這類的產品。把你一個月生活上需要用的2500放進貨幣基金裡,這樣保證了你每月支出的生活的保障,有了生活的保障才能跟好的進行投資理財。
Money Fund Management. Monetary funds refer to products such as WeChat's Li Cai Tong and Yu Bao. Put the 2500 you need for a month's life into the money fund, which guarantees the protection of your monthly living expenses. With the guarantee of life, you can invest and manage your finances.
2.銀行的定期理財。把剩下2500進行分配,從2500拿出20%的錢,也就是500錢進行銀行定期存款,儲存這類錢是為了以後急需用錢是做準備的,俗話說:“不怕一萬,就怕萬一”。
如果事業不順利了,至少還有一點急用金可以用。
Regular bank management. The remaining 2,500 is allocated, and 20% of the money is taken from 2,500, that is, 500 yuan for bank time deposits. This kind of money is stored in order to prepare for the urgent need for money. As the saying goes: "I am afraid of 10,000, I am afraid. just in case".
If the business is not going well, at least a little more urgent money can be used.
3.基金定投理財。對於這類的基金理財,風險是比較高的,但是風險高和收益越大,是成等比關係的。拿出2500的40%來做基金定投,也就是1000.這類的基金周期一般3-5年,可以用你這段時間好好為步入人生或婚姻做準備。
The fund is scheduled to invest in wealth management. For such fund management, the risk is relatively high, but the higher the risk and the greater the return, the proportional relationship. Take out 40% of 2500 to make a fund investment, which is 1000. This type of fund cycle is generally 3-5 years, you can use this time to prepare for life or marriage.
4.股票理財。這類理財我相信大家都不陌生,因為很多人都喜歡炒股,炒股更是高回報高風險的項目,所以要炒股一定要控制自己收入的比例,不要把理財的錢全部投進去。我們要為長遠的資金做好準備。所以從2500拿出40%的錢,也就1000塊錢做股票理財。這類理財我們要保持一顆良好的心態,高風險、高回報的心裡準備。
Stock management. I believe that everyone is familiar with such financial management, because many people like to stocks, stocks are high-reward and high-risk projects, so to stocks must control the proportion of their income, do not put all the money into the wealth management. We have to prepare for long-term funding. So take out 40% of the money from 2,500, and also do 1000 yuan for stock financing. We need to maintain a good attitude in this kind of financial management, and prepare for high-risk, high-reward.
這就是對個人投機理財的幾種方式,它需要收入比較穩定,沒有負擔的這類人群。希望這篇文章對你有所幫助!
This is a few ways to invest in the mechanism of the individual, it needs such a population with relatively stable income and no burden. I hope this article is helpful to you!