After 90, 200000 yuan, how to manage money?

Duxiaoman financial official account, high quality Creator

After working, the post-90s saved a sum of money, thinking that they couldn't put it in the current account and wait for it to "shrink", so they planned to put it in the financial management. However, all kinds of financial products on the market are dazzling. How to choose?

Today, brother Xiaoman shares some experience.

No matter what kind of financial channels we use, we must consider three points in advance.

First, liquidity

At the beginning of financial management, the first thing we should consider is not to choose a specific product, but to plan the use of funds.

The post-90s are between 20 and 30 years old, and there are many places to spend money. When will the money be used? Whether it's idle money that won't be used in two or three years, or mobile money that will be used in one year, we need to think clearly in advance. This is the problem of liquidity.

Take the bank financial products for example. If the term is one year and you withdraw in advance, the bank will directly calculate the income according to the current interest rate of 0.35%, so the loss is relatively large.

Second, the rate of return

Do you use this money for financial management mainly to preserve or increase the value? According to different purposes, you should choose financial products accordingly, and find those whose return rate meets the expectation.

At the beginning of financing, ordinary people consider the return rate of this investment, that is, income / investment * 100%. However, the information given by financial institutions is often the expected annual rate of return, that is, the current daily, weekly or monthly rate of return is used to convert the annual rate of return. It tells you what kind of level we can achieve in theory, but in the end, there may be some gap between the actual rate of return you can get and the expected annualized rate of return. Therefore, we should carefully study the relevant information before purchasing.

Third, risk

The most important thing in financial management is to protect your principal. Choose financial products within the range of risks you can bear.

Before buying financial management, financial institutions usually ask you to do a risk rating questionnaire, and then tell you what kind of risk preference investors you are, cautious, steady, balanced, aggressive or radical.

To do this assessment, on the one hand, financial institutions must know about you in advance according to the regulatory provisions to see if you can bear a certain loss of principal, and then recommend the corresponding products to you. On the other hand, it also urges investors to examine themselves and think rationally.

Curious little partner to ask, I measured out the risk level of "robustness", what does it mean? Let's put it this way, "robust" financial products should be recommended as "non breakeven, relatively low risk". The post-90s have just worked for a short time, and they have a large room for income growth in the future, and they have a certain risk tolerance. Relatively speaking, the elderly are more "conservative" investors, and tend to be financial products with guaranteed capital and income.

After doing the above preparations, start looking for financial products. All kinds of financial products have different amount of threshold, 200000 yuan can get more. Many people like to buy it through banks, because banks tend to sell stable or balanced financial products, and now most of the bank's apps have investment and financial sector, which is very convenient. If the bank holds a complete set of financial licenses, it can purchase a wide range of financial products.

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