Lazy People Also Have Their Own Finances, &Nbsp.
The financial management I'm talking about is just facing the salaried class, which is not much money. In fact, everyone wants to manage money, and they want to loiter their assets. But it seems that it is only banks' regular deposits, buying funds, buying insurance, buying them.
shares
Wait.
Now let me talk about my current understanding.
Conduct financial pactions
In fact, I am just exploring the stage.
Ha-ha.
First, the first way is regular banking.
deposit
。
Because my unit's wage card is in the rural credit cooperatives, so every month I have to wage a relocation work, and then use my CCB online bank to operate.
Although banks can earn a certain interest on a regular basis, I personally do not like it very much and feel that their money is not their own.
I used to be very enthusiastic about saving for a year, but at the end of the year, I got a little bit of interest after I got the tax.
It is probably not tax deductible now, but it may be due to a preconceived idea, so my bank's time deposit is not, but I might try it later.
The second way is private lending.
The interest of private lending here is a profit, which is equivalent to borrowing ten thousand of other people and earning 100 yuan per month.
This is very common in our local area. Generally speaking, people here do business, buy something, and have tight funds. They are all settled through private lending.
In fact, I do not understand this very well, but my parents spend the whole life through this way to add value. In fact, private lending is definitely risky. It depends on the character of people who borrow money. They are usually relatives, or people who are very familiar with it before lending. So far no problems have occurred, but keeping vigilance is still necessary.
I usually give this to my parents.
The third way is to invest in gold and silver coins.
Speaking of gold and silver coins, in fact, I didn't know this thing existed until last year. I only met it in CCTV's financial online program "golden coin", but gold and silver coins are indeed a better way to invest and manage money, but the time limit should be calculated in terms of years, unlike stocks.
Actually, I bought a little bit and bought it later. If I buy it in February, I can earn more than 30% now.
Like the "gold drunk", the color gold coin has risen from 25000 yuan in early February to 41000 yuan, which is three or four months.
However, investment in gold and silver coins is also to choose good varieties, choose the right time to enter, will have a good income.
The fourth way is what we commonly call "meeting".
This is also a non-governmental way of managing money. There are certain risks. But it also depends on the specific analysis of the specific problems of the object.
Generally speaking, friends and relatives will do it to ensure safety. Two times a year, the price is high.
This is also better for buying a house or in urgent need of money.
The fifth way is fund investment.
I took part in the fund investment in the first half of 2007, and spent five thousand yuan on the wind with my colleagues. I bought two funds, one is Penghua China 50, the other is Yinhua affluent, the income is very good, the highest yield has reached 130%.
Maybe it is because of this money making effect that I put a lot of money into buying the fund at the more than 5000 point of the index, that is, this action has hurt me less.
Although I have been keeping it up, I have returned to most of it in 2009, but I still have to say, man, it is really not too greedy.
But anyway, I think the fund is still a better way to invest. The key is to do two things well. First is to choose the best fund, and the second is to choose the right time to enter.
The way I invest in funds now is to purchase the fixed investment plus irregular purchase, and purchase it with a small amount of money.
By the way, you can help me to see what can be done.
My fund portfolio:
Index Fund: China small and medium board ETF (used for band) has heard that it will also adjust in June, when the index falls to two thousand and three hundred or two thousand and two hundred o'clock to buy some more.
Equity Fund: Societe Generale social responsibility, intends to buy some, wait and see.
Mixed funds: Harvest theme selection (monthly fixed investment 500, index down 100 points, to buy 1000)
Monetary Fund: China's cash plus profit currency (my deposit) and harvest currency (mainly for the purpose of buying the harvest theme fund can be converted, can also save the purchase fee).
The sixth way is stock investment.
This is what I want to learn most. I have already opened an account, but I forgot the initial password, plus the bank card pfer account has no time to do so, so the 2007 securities account has not been moved.
But this is the content that we should focus on in the future. We should spend a little money on training, and we should pay more attention to the predecessors in the forum.
The seventh way is to open shop, which is the second thing I want to do, because I personally like online shopping, and always want to make a shop of my own, but there is no source of goods.
However, I have done several business on the Internet. It's not bad. I also made thirty or forty yuan.
Come on, this is one of my efforts.
It's almost all that. This is the way I manage to manage money. I hope you can communicate with each other. Actually, I'd like to ask you what kind of recommended online shop. I like to buy food on the Internet. Ha ha, is a glutton.
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