Lazy People Also Have Their Own Financial Management Experience&Nbsp; The Working Class'S Own Financial Management Experience

What I'm talking about now is financial management only for the working class, which is the kind of people who don't have much money. In fact, everyone wants to manage money, and wants to increase their own assets. But it seems that it is nothing more than bank time deposits, funds, insurance, and insurance shares wait. Here's what I know conduct financial transactions In fact, I'm just in the exploratory stage. ha-ha.

First of all, the first way is that the bank regularly deposit Because my company's salary card is in the rural credit cooperatives, I have to move my salary once a month, and then use my online bank of China Construction Bank to operate. Although the bank can earn a certain amount of interest on a regular basis, as far as I am concerned, I don't like it very much. I feel that my money is not my own. I used to be very enthusiastic about saving it for a year, but finally the interest I got was a little bit after deducting tax. Now I probably don't deduct taxes, but maybe because of the preconceived idea, I don't have fixed deposit in the bank, but I may try it later.

The second way is private lending. The interest of private lending here is a share of interest, equivalent to borrowing 10000 yuan from others, and the monthly income interest is 100 yuan. This is very common in our local area. Generally, when people here do business, buy anything, and are short of funds, they are all solved through private lending. In fact, I don't know much about this, but my parents have increased their value through this way all their life. In fact, private lending must be risky, which depends on the character of the borrower. Generally, they are relatives or people who are very familiar with the loan. So far, there is no problem, but it is necessary to keep alert. I usually leave it to my parents.

The third way is to invest in gold and silver coins. Speaking of gold and silver coins, I didn't know it existed before last year. I only knew it in the online financial management program "Gold Coin Financial Management Classic" of CCTV, but gold and silver coins are really a better way of investment and financial management, but the time limit should be calculated in years, not days or minutes like stocks. In fact, I have bought a little, but I bought it later. If I bought it in February, the income would be more than 30% now. For example, the colored gold coin "Drunken Concubine" has risen from 25000 yuan at the beginning of February to 41000 yuan now, which is only three or four months. However, gold and silver coin investment also needs to choose the right varieties and the right entry time, so that there will be good returns.

The fourth way is called "should know" here. This is also a folk way of financing, and there are certainly risks, but it also depends on the specific problems of the object. Generally speaking, it is only done between friends and relatives. To ensure safety, the bid will be held twice a year, and the one with the highest price will win. This is also good for buying a house or when you need money urgently. The main word is "safety".

The fifth way is fund investment. I have been involved in fund investment since the first half of 2007, which is also the style of my colleagues. I spent 5000 yuan to buy two funds, one is Penghua China 50, and the other is Yinhua Wealth. The income is very good, and the highest income has reached 130%. Maybe because of this earning effect, when the index is more than 5000 points, I have invested a lot to buy funds. This is the move that has caused me less loss. Although I have been putting it on hold for a long time, it rose back to most in 2009, but I still want to say that people can't be greedy. However, I think fund is still a good investment method. The key is to do two things well. The first is to select the fund and the second is to select the entry time. The way I invest in the fund now is fixed investment plus irregular purchase, and I use the remaining money to buy in small batches. By the way, you can also help me to see what can be improved.

My Fund Portfolio:

Index fund: It is said that China SME Board ETF (for band) will adjust in June. When the index falls to 2300 or 2200, we will buy more. Now we are still waiting and watching. Stock fund: Societe Generale is responsible for social responsibility. It plans to buy some and is waiting and watching.

Hybrid fund: Harvest theme selection (fixed investment of 500 per month, buying 1000 for every 100 points decline in the index)

Monetary fund: Huaxia cash profit increasing currency (my deposit), Harvest currency (mainly for the purpose of converting when buying Harvest theme funds and saving subscription fees)

The sixth way is stock investment. This is the thing I want to learn most. I have already opened an account, but I forgot the initial password. In addition, there is no time for bank securities transfer, so the securities account opened in 2007 has not been moved. But this is the key content to learn in the future. First, spend a little money to practice, and then give more advice to the seniors in the forum.

The seventh way is to open an online shop, which is the second thing I want to do, because I like online shopping very much and have always wanted to build my own online shop, but there is no supply. However, I have done business on the Internet for several times, which is not bad, and I also earned thirty or forty yuan. Come on, this is one of my efforts.

There are almost so many. This is the way of financing that I have come into contact with. I hope you can communicate with each other. In fact, I would like to ask you what online stores you have recommended for trading. I like to buy food online most. Hehe, he is a glutton.