[Yingya securities consulting] learning financial management knowledge is the foundation, and learning how to invest and manage money well is the key

  [Yingya securities consulting] learning financial management knowledge is the foundation, and learning how to invest and manage money well is the key
At present, investment and financial management has been implemented in our daily life, and many customers expect to realize financial freedom through investment and financial management
In order to realize this ideal, although they study financial management knowledge hard, they still stay in the accounting link when investing and financial management
So, how to carry out financial investment? Bottom & ldquo; Yingya Securities Consulting & rdquo; Xiao Bian summarized it for everyone!
1、 Fund planning
This part is to ensure the consumption of living expenses, and the reserve of emergency reserve fund should also be retained
Generally speaking, the cash in your hand should be enough to maintain your expenses from March to June, and then consider other consumption issues

2、 Consumption planning
In our daily life, the larger expenditure is probably to buy a house
The second is to save money to do what we want to do and buy some items needed in the plan
Further refine the part of the money allocated for consumption, such as the purchase of living goods, or travel parties
Make expenditure records, clearly understand the trend of each sum of money, and make personal financial planning, so as to avoid many unnecessary consumption
If you want to buy a house, you should make preparations in advance
Both loans and parental subsidies should be planned in advance
After all, it is a big expense

3、 Investment planning
Overall investment planning refers to choosing a suitable investment and financial product to invest when you have a fixed and idle fund in your hand, so as to obtain high return while ensuring the principal, that is, the money in people's mouth generates money
Different returns, different risk tolerance and appropriate investment tools are different
Common investment instruments are arranged according to the level of risk
The key from low to high is: Deposits - Treasury bonds - Monetary Funds - corporate bonds, bond funds - stock funds, blue chip stocks - Real Estate - growth stocks - speculative stocks - * trading, options and other derivatives
If you need to know about this, you can find & ldquo; Yingya Securities Consulting & rdquo;: We specialize in various securities analysis indicators, tools and products that meet the needs of the majority of investors, and use intelligent customer service, machine algorithm and voice recognition technology, combined with good interaction design, to quickly and effectively provide relatively personalized financial information services and securities investment consulting services, so as to make your investment simpler, intelligent and scientific

4、 Educational planning
The actual expenses involved in education planning should be changed according to the region and specific needs
For example, the expenses in backward areas will be less than those in developed areas, and the expenses for children to study abroad will be greater than those in domestic normal entrance examination
The key way in this regard is to be able to buy some cultural and educational insurance funds, that is, to apply for relevant national welfare policies, such as student loans
Education is indeed a big expense
If we plan it earlier, the pressure at home is much less

5、 Insurance Planning
The goal of our personal financial planning is to ensure financial security and achieve wealth freedom
Only when we ensure financial security can we talk about how to realize wealth freedom
Insurance investment planning is very necessary for us
Commercial insurance is a financial umbrella
It can not only prevent the risks and accidents we encounter, but also maintain our basic quality of life

The above is the several aspects that Yingya securities consulting Xiaobian introduced to you about how to do a good job in financial investment
When making financial investment, you must choose the appropriate investment and financial products and make effective planning according to your own conditions and needs!