Teach you three tricks, there will be income when the epidemic comes

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The 2020 epidemic has not only had a great impact on the social economy, but also caused a lot of instability in our work and life. Companies fail, layoffs, and people lose their jobs. Under this "crisis" situation, what can we do to resist risks?

Regardless of whether you are a novice in the workplace or a veteran who has worked hard for many years, as long as you have not achieved financial freedom, then you must do one thing on weekdays, that is, investment and financial management!

Before deciding to invest in financial management, we must clarify the following points. First, make a plan and allocate income and expenditure rationally. According to one's monthly or annual income, some funds are drawn from it, usually about 10% of the monthly or annual after-tax income as the financial principal. Second, clarify risk preferences and determine the investment cycle. For any investor, the real useful investment is mainly to look at the overall portfolio effect after tax, rather than the income of a single investment. Investment income and risk are positively correlated. Generally, the higher the risk, the greater the return. On the contrary, the smaller the risk, the less the return. According to one's own risk tolerance and hobby, make the proportion of different venture investment projects. More importantly, you must have the concept of investment cycle, consider clearly whether you want to invest in short-term or long-term, and you must not only withstand the temptation but also withstand the pressure.

For ordinary young people who can accept some adventurous meaning, structured deposits should be an acceptable choice. Structured financial products are mainly suitable for investors who don't have much capital, but want to obtain a relatively high rate of return, but also need a safe principal. The return of this form of investment is generally about 4%. As far as structured deposits are concerned, it can be simply understood as taking out a small part of the deposits to invest in foreign exchange, gold, oil, etc. It is very suitable for young people who can't save money nowadays. If you take out some of the balance every month, you can get rich profits in the future. The investment time period is also relatively flexible, generally three months, six months, and one year.

In addition to structured deposits, long-term fund investment is also a financial management method often recognized by many financial experts. Using the index model to obtain long-term stable returns is actually highly regarded by most people. The investment threshold of this financial management method is generally lower, but the interest is transferred to the principal again, and the money is again made money, and the income is generally higher than the bank savings.

In addition, insurance financing is also a desirable way of financing. Although many people don't believe that insurance can bring wealth, as of today, those who truly understand one or two of them will still benefit a lot from it. People pay insurance premiums by saving idle funds when they are young, and after a few years, they can receive a fixed amount of insurance payments on schedule. The way to manage your finances by buying insurance is actually investing in the future. As long as you can make a reasonable purchase of products that suit you when choosing, it is still very safe and reliable.

Although everyone has different options for anti-risk methods, it must be admitted that managing money and making money is the most time-saving and labor-saving method. Whether it's for the present or for the future, no matter how much money you have, choosing a suitable financial management method can make a good return in the future. In other words, in the future, your ability to resist risks will be greatly enhanced!