Tailor "Fixed" Fixed Deposit &Nbsp; Wage Earners 5 Win.

No family background, no skills, most wage earners can only build their own income by working thousands of yuan per month. wealth Kingdom. In the face of the pressure of material and social pressure and the increasing pressure of expenditure, the wage earners "Moonlight" became confused and even frustrated. Conduct financial spanactions The idea. Experts pointed out that salary As long as we plan carefully and stick to the plan, we can get financial income besides working income. Now we collect the viewpoints of the insiders and sum up the 5 strokes of the wage earners.

First strokes

Tailored fixed deposit

Experts suggest that wage earners should start with demand deposits. "Saving is a way of life, even if it is moonlight clan, it is necessary to save, even if the money is low, we should save 100 yuan a month, and saving should be the principle of life." Guxin securities customer manager Jingjing told reporters.

It is understood that at present, all banks have automatic spanfer service. Users can use the salary card and valid identity card to open the service to the bank counter, and set up a spanfer point to allow the funds to automatically spanfer between regular accounts and current accounts. Through this business, the wage earners can fully realize the purpose of tailor the financial management plan for themselves, such as setting the amount of pocket money, choosing the proportion and duration of regular savings, and so on, so as to realize the autonomous flow of funds between accounts such as demand, regular deposit, notice deposit, agreed spanfer, etc., and improve the efficiency of financial efficiency and the rate of return on capital.

Mr. Wu, a customer manager of China Merchants Securities, said that it is very important to develop financial awareness early, learn to keep accounts and make good plans for revenue and expenditure.

Second strokes

Zero reserves and bid farewell to "Moonlight"

"Moonlight clan has two kinds of people, one is that the income is not enough to pay; one is that there is no traditional Chinese idea of" saving money to prevent accidents ". Sun Baoqiang, product manager of Bank branch of China Merchants Bank, Foshan branch, said.

According to the staff of the Construction Bank, those who want to do "moonlight clan" can adopt the compulsory deposit method of zero deposit and take up the good habit of "throttling". The minimum deposit is the fixed monthly deposit, which is usually 5 yuan. The deposit is divided into one year, three years and five years. The deposit amount is deposited by the depositor, which is deposited once a month and the principal and interest are paid at the maturity. The calculation method of interest is consistent with the interest rate method of the time savings deposit and withdrawal. If there is any leakage in the middle, it should be made up in the next month, and the interest rate shall be calculated according to the current interest rate announced by the people's Bank of Japan on the basis of the actual amount and the actual deposit period when the non paid party is due to expire.

Third strokes

Fund to invest in value added wealth

It is understood that regular fixed purchase funds are also very suitable for the purpose of mandatory savings for wage earners. At present, the number of open-end funds listed on the market has reached hundreds, and their main issuing channels are banks. The wage earners who frequented the bank may choose a fund that they sell on behalf of the bank. They sign an agreement with the bank for the amount of the monthly deduction. After that, the bank will deduct the agreed money from your capital account every month, and draw it to the fund account to complete the purchase of the fund. This way is conducive to dispersing risks and long-term stable value-added.

Sun Baoqiang told reporters that the fund voted in the original big city, is a long-term investment mode, "I personally think that no matter how much income, we must take out 50% of the money used to deposit in the bank, when a certain amount of data, and then invest in other areas."

According to the reporter, this investment law does not need to master too much expertise, do not bother to choose the time of purchase, just patience and insist on medium and long term holding, and under normal circumstances, the fund's fixed income will be higher than the interest of zero deposit. Because of this, it is even a good choice for the wage earners to save their children's education funds or plan their pensions.

In addition, Mr. Wu, a customer manager of China Merchants Securities, reminds us to buy funds regularly and decide which fund is particularly important. Generally speaking, this kind of investment is suitable for equity funds or partial equity mixed funds. The important criterion of choice is to see its long-term profitability.

Fourth strokes

Buying short-term financial products

If a worker has a deposit of more than 10 thousand yuan, it can try to buy a short-term financial product. Recently, many banks in the country are targeting the public in the short term. Let... Lie idle Funds, launched a variety of short-term financial products, there are short to 1 days of financial products, there are 3 days, 7 days, 14 days, 30 days, 90 days, 180 days of a variety of short-term financial products.

It is understood that some banks launched the "month plan" deposit method, which is very suitable for the wage earners to increase their wealth income. Their annual income can reach 3.3 times of the current deposit and 1.5 times the deposit of the deposit. As long as the balance of a single account exceeds 10 thousand yuan, the monthly financial plan will be agreed with the bank at the end of each month, and the bank will release the latest earnings on the 1 day of each month, and allow investors to terminate the plan from 5 to 25 days per month, so as to ensure the liquidity of the fund and the expected annual yield is 1.7% to 2.05%.

It is worth noting that the subscription period of financial products usually has 20 days or so, and the wage earners do not have to rush to buy at the moment, so they can spend more time to consider whether the product is suitable for themselves.

Fifth strokes

A little makes a lot of money.

In financial markets, the most important reason for financial management is that capital always returns. Even if you used to be a failure in math, or you are very insensitive to numbers, you may even notice that the financial statements are dizzy. But if you are ready to start your personal financial plan today, there are still ways to do it. Liang Huiwen, the ten financial planner of Foshan life insurance company, suggests that every wage earner should have the habit of using the family book, so that the accounts can be clear at a glance and clearly understand the income and expenditure in order to make overall planning. In addition, she also suggested that wage earners buy some fixed return financial products, usually one or two years, which is also an effective means of compulsory savings.

A financial planner encourages young people to increase their financial income while still accumulating their work income, accumulating a lot of money and accumulating the next 100 thousand strength. "If we can keep the good habit of regular savings and insist on investment and financing, we can" make money with money ". Reporters from the August 23rd East Asia bank wealth management weekly review concluded that the power of compound interest is infinite. The key to investment success is to insist on investment to achieve a stable rate of return.