Suitable For Their Own Way Of Investment And Financial Management, Let People Go To The Top Of Life.

The key lies in choosing the right way to deal with all kinds of financial products in the market. Many investors do not know which products are suitable for themselves, nor do they know what factors need to be considered when investing in financial management.

　 1. Overall Fund situation

The overall funding situation includes personal income, savings and so on, and how much money can be invested.

If a person works steadily, his income is high and his savings will be more, the scope of his choice will be wide. If a person does not earn enough money and has little savings, he can choose relatively less financial means. For example, some products whose threshold is 500 thousand or 1 million will not be able to choose.

2, the age of your own age

People need to consider different ways of managing money at different ages.

If you are 20-25 years old and may not earn much at that time, what you need to do is to strengthen savings and choose to put money in a bank or monetary fund.

At the age of 25-50, many people have their own families, and the economic conditions become better. So we must protect families and properly configure insurance, and then make some other investments on this basis.

And after the age of 50, we must plan for our own pension. When income decreases, we should focus on sound investment.

　　 3, personal Risk preference

Risk preference is actually the constraint condition when investors choose financial management. Different types of investors will choose different investment products.

For example, risk appetite investors and risk averse investors are very different when they invest in financing. The former prefers stock and futures financing methods, while the latter prefers products such as bank fixed deposit and treasury bonds. The risk neutral investors between them prefer products like the JIA financial platform, but also Internet finance, but the risk is much lower than that of P2P, and the investment threshold is low income stable. Now they register to send experience gold, coupons, mobile phone traffic and so on.

4. Knowledge level

Jiaxing Reed's financial planner pointed out that investment and financial management is a technical activity. No matter how much money and risk preferences, when investing, we should consider the degree of knowledge and choose the areas that we know better.

But if you are a beginner, you need to know more about the risk level and investment threshold of different products. You can start with some of the most basic financial matters. For those with some experience, if you want to invest in products, especially those that are more risky, you should not only do your homework well, but also invest too much money.

　　 5. Reasonable Asset allocation

In the long road of investment and financial management, the disposition of personal assets should be changed along with the changes of market conditions and personal circumstances. It can not keep the same old rules and stick to the original way of managing money, which may miss many good opportunities or cause unnecessary losses.

In addition, "eggs should not be put in a basket", we should pay attention to disperse funds and reduce risks. When these two points are achieved, the rational asset allocation is really achieved.