How to manage money has always been a topic of great concern to everyone. Wait for me to type it to you word by word.
Financial management is a rigorous subject, just like traditional Chinese medicine. Only by looking, hearing and asking can we provide the best financial plan. In financial consultation, you need to provide income, expenses, assets (car, house, stock, fund, insurance, etc.). Liabilities and financial management goals, etc., only professional financial planners can provide you with appropriate solutions.
Generally speaking, first of all, the most basic way to manage money is to learn to keep accounts. Through accounting, you can find reasonable and unreasonable items of your income and expenses, so that you can increase revenue and reduce expenditure.
The second is the protection of insurance. Insurance plays a very important role in financial management. Even if you earn 500,000 or 1 million, without the protection of insurance, you may return to before liberation overnight. Therefore, it is necessary to have certain protection. It is recommended to start with protection insurance, such as accident insurance and health insurance.
Thirdly, for cash flow preparation, based on the advice of experts and the customer base of Guangyu Financial Management Company, we found that it is generally necessary to save 3-6 months of total living expenses to cope with sudden accidents, illnesses, etc. Or temporary unemployment resulting in no source of income. For example, my monthly consumption is 3,000, how much spare cash should I keep? Generally speaking, 3000X3=9,000 yuan and 3000X6=18,000 yuan. It is recommended to keep a current deposit of about 15,000 yuan.
About fixed deposits, government bonds and gold. The return on fixed deposits is really low, and they will depreciate every day they are placed in the bank. The yield rate of bonds is actually not high. It is a tool for preserving value, so it is good to have some. As for gold, unless you are a professional speculator or have assets of more than one million, it is not recommended for people with low assets to hold gold to preserve its value.
Regarding fund fixed investment, should it be high-risk and high-yield, or should it be prudent and capital-preserving and profitable? The former one buys stock funds, and the latter one buys bond or currency funds. After the fund type is determined, the fund selection can be based on fund performance, fund manager, fund size, fund investment direction preference, fund charging standards, etc. Fund performance is ranked online. For more stable stock funds, you can choose index or ETF. For fixed investment, it is best to choose back-end payment. For index funds with the same target, choose one with low management fees and custody fees. I won't make specific recommendations. Only your feet can tell whether a shoe is good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular fixed amount. The so-called "fixed investment" of funds means that investors invest a fixed amount (such as 1,000 yuan) into a designated open-end fund at a fixed time every month (such as the 10th of each month), similar to a bank's small deposit withdrawal. Way. Because the fund's "fixed investment" has a low starting point and a simple method, it is also called a "small investment plan" or "lazy man's financial management."
The fund's regular fixed-amount investment has characteristics similar to long-term savings. It can accumulate a small amount into a large amount, evenly share the investment cost and reduce the overall risk. It has automatic dip plusCode, the function of reducing code on highs, can always obtain a relatively low average cost no matter how the market price changes. Therefore, regular fixed-amount investment can smooth out the peaks and troughs of the fund's net value and eliminate market volatility. As long as the selected fund has overall growth, investors will receive a relatively average return and no longer have to worry about the timing of entering the market.
About stocks and gold, etc. Stocks and gold can yield high returns and are also one of the indispensable financial management tools among income-generating products. However, generally speaking, there are only four types of people who can make money in the financial market, 1. institutional investors, 2. professional traders, 3. senior investors with many years of experience, and 4. people who learn to rely on the power of others. In addition, if you can make money, it is just because of luck. If you can't do the first three types of money-making people, you might as well be the fourth type, a person who learns to rely on the strength of others. With the help of our excellent traders, it is easier to make money from the financial market. View my profile with ****. . Annual income of more than 10% is not a problem.
High-tech, new energy project. Cars do not use gasoline and can run after drinking enough air. The project is real and reliable and can be inspected on the spot. Friends who are interested should come and learn about it.
Research, survey and demolition of Nixi Fenglinkou Reservoir. According to the query of relevant public information, as of February 14, 2023, the Nixi Town Government released relevant information on the survey, survey and demolition of the Nixi Fenglinkou Reservoir. The Anhui Branch of China Huaneng Group will build a wind measurement tower in Shui Village, Nixi Town in August 2022. It plans to invest 1 billion yuan to build a 100MW wind power station, which will involve the demolition of some households.
The core components of pure electric vehicles are batteries, motors and power systems. The main maintenance projects are also carried out around these three major components. Next is the maintenance of the braking system, chassis inspection, lighting inspection, tire inspection and other items. The first component that requires regular maintenance is of course the power battery pack. The vital importance of the power battery pack to new energy vehicles is also self-evident. Car owners of new energy vehicles need to regularly maintain the condition of the power battery pack to prevent the power battery pack from losing power. They also need to pay attention to eliminating safety hazards.
Then there is the motor, which is a key component in driving new energy vehicles. Like traditional fuel vehicles, the motors of new energy vehicles also need to be replaced regularly with coolant; then there is circuit testing. Compared with the circuits of fuel vehicles, the circuits of new energy vehicles are much more complex, and at the same time, the voltage must be much higher. For our safety, we need to regularly maintain whether the connectors are loose, whether the lines are aging, etc. Finally, in addition to testing the three electrical systems of new energy vehicles, we also need to test common wearing parts such as brake pads, tires and wipers of new energy vehicles. For example, check whether the tire pressure is normal, whether the brake pads are aging, etc. Be sure not to be careless