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21/09/2020

In the best times, how do ordinary people start to manage money

China's China's golden age has one belt, one road and the other 20. China's development has entered a higher level. The wealth of all walks of life has been created unprecedentedly. In this era, people who are willing to grasp the opportunities will have great potential to acquire wealth, if the Chinese economy is to create a higher level of development in the twenty-first Century. The development of the 2025 plans and the other areas will be unprecedented. But it is not enough to create wealth. Wealth must be managed and used to play a real role. Wealth without care can be said to be a waste of resources.


So, is financial management related to the life of ordinary people? In fact, reasonable financial management can improve the quality of life and increase the value-added of wealth. Financial products have long been flying into the homes of ordinary people. So much said, how do ordinary people manage their money? Let's take you to understand the most common financial management methods:



You don't manage money, money doesn't care about you


1、 Bank deposits. It is believed that this is one of the most frequent financial management methods for people's livelihood. Deposit through banks is the most trusted and familiar way of wealth preservation for the hardworking and good-natured working people in China for a long time. The advantages of this method are extremely high safety factor and extremely low risk, because bank deposits are guaranteed by national credit and will not be easily affected by the financial market.


The disadvantage of bank deposits is that the interest rate is relatively low and the range of wealth appreciation is very small. Therefore, bank deposit is the most suitable financial management method for people with relatively low income and low risk-taking ability.



Bank deposits are the safest


2、 Buy funds. In the financial product market, fund is one of the most popular financial products. Compared with bank deposit, the risk of fund is the same small, but the return rate of fund is much higher than that of many bank deposits. The main reason for this difference is that the money deposited in the bank can only be deposited in the bank vault, and the fund in the fund product can be concentrated for purposeful and planned investment. The fund can be reinvested, and the value-added rate will naturally be relatively high. The fund market has its own planning purpose and standardization, which determines that the risk of fund financing is also very low.



The fund can be your other bank


3、 Buying stocks. I believe that everyone has heard of the stock, and has more or less contact with it. It can be said that stock is a kind of financial product that can really control the pattern of financial market. The high risk of stock comes from the fact that it is difficult to grasp the balance between supply and demand in commodity trading market. Even a little change of supply-demand relationship will cause rapid changes in the stock market. Who can be familiar with the balance of supply and demand in the market can obtain great value-added space through stocks.


As the saying goes, the higher the risk, the greater the income, the higher the risk. It describes the stock market.



Stocks are risky and should be cautious when entering the market


4、 Investment insurance. Strictly speaking, insurance has only been accepted by the general public in recent years. The popularity of insurance products is because people have begun to have a sense of protection against future life. In fact, insurance products are very similar to fund products. They can be reinvested to make money. But the value-added way of insurance is not reflected in the direct appreciation of wealth, but in the compensation and protection of the insured. To put it simply, it is to buy a sense of security of life.