A 23-year-old young man has 20 thousand in his hand. What good financial advice do you have?

On this issue, Macy, the chief investment officer commentator, believes that there are many pressures in modern life, and the pressures come from many aspects. Prices are rising rapidly, and there is not enough money in hand. Especially young people nowadays always want to do something while they are young, which will also involve the problem of how to manage money. First of all, you should have a clear goal. Plan a financial plan for yourself. How should young people manage their finances correctly?

Monetary financial management: Alipay Yu 'ebao, Licaitong and Yu Baoli are all common monetary financial management, and they all belong to the first category of monetary financial management. The operation is relatively simple and the threshold is very low. Suitable for some groups with little spare money. If you calculate interest on the same day, you can roll in first. I am doing some other wealth management products when I have more money. And this is very convenient to use. For example, if you have any urgent money, you can take it out at any time. The withdrawal is basically within 2 hours.

P2P: This kind of financial management is very popular and suitable for young people. Low threshold and high income. But not everyone is suitable for this model, it still depends on the specific content of the product. The initial investment amount is not limited. Every wealth management product is different, and the investment amount is different. Often high returns and high risks are directly proportional. When you are not sure, you can look at other products and record them so that you can filter them. It is more important to choose one that suits you.

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What exactly is financial management? Does financial management mean what products to buy and how much investment income to earn? I don't think so. Financial management covers a wide range, and everything related to money in life can be considered as the category of financial management, so there is a saying that financial management means managing life and managing life.

A 23-year-old young man has only 20 thousand yuan in his hand, so it is basically a joke to say that financial management is to pursue future investment income. At this age, it is more worthwhile to make special investment, which will bring greater returns. 23 years old, probably the first few years after graduating from college, is the easiest time to make achievements in the workplace. It is not impossible to work hard. Maybe in three to five years, the income can be doubled, from three to five thousand after graduation to 654.38+20 thousand five years later. Such a rate of return is actually difficult to achieve by capital investment. The input of knowledge and skills will bring more obvious results. From this perspective, it can also be said that financial management is to plan for life and always choose to do things with the greatest return on investment. The increase of income can make the principal accumulate faster and complete some things that need to be done most at this age, such as buying a house, getting married and starting a family. Only in this way can the accumulation of wealth be completed at a faster speed.

What else can I do at this age?

1, determine your own financial goals. I especially like a sentence said by a friend: talking about financial management without desire and ability to make money is hooliganism. If there is no clear financial goal, it is meaningless to say that financial management is actually meaningless. You don't know where to go, and no matter how you go, it's just a circle. @ 丫丫丫丫丫丫丫丫丫丫 said a case in which a young couple wanted to retire early. In order to achieve this goal, we have formulated a very clear financial plan, starting with income, and strive to increase revenue and reduce expenditure. After the accumulated principal increased, we realized the principal growth with the help of investment. Finally, they really did it. They saved about 6 million assets. As long as you are not in a big city and have complete economic freedom, you can retire early and do what you want.

Once the goal is set, there will be a clear direction of efforts, making money and spending money will be well planned, and saving money will be easier. If you are a Buddhist, it doesn't matter whether you have money or not. If you don't have a special desire to realize it, you won't have the motivation to make money. It is said that no amount of financial management will really be effective.

2. Develop good consumption habits. In the stage of accumulating principal, all the methods are summed up in four words: open source and reduce expenditure. Open source depends on special ability and sensitivity to business. And then throttling is completely related to your consumption habits. Live within your means, save according to a fixed proportion of your income and then spend, develop the habit of keeping accounts, budget large expenditures in advance, and don't spend impulsively or in advance. Wait, these all sound familiar, but it's not easy to do in practice. With the temptation of spending money in advance, credit cards, installment and so on, it is difficult to stop.

3. Try some simple financial tools and have a basic understanding of risks and benefits. The goal of financial management is to avoid the decline in the purchasing power of money, not to make money. When the landlord was 23 years old, he had saved 20 thousand, which was better than many people. Then you can also start to try some low-risk financial management tools and take care of this 20 thousand yuan. The premise must be that when using any financial management tool, you must first have a certain understanding of it, know where the risks are, and know whether you can bear the losses, instead of blindly following the trend.

Answer: Although I can't give you specific financial advice, I can provide some basic reference.

First, financial management may be knowledge that many people need to learn, and many people may need to manage their finances reasonably.

Second, financial management is not necessarily a short-term operation, and sometimes it may be a long-term operation. Therefore, it may not be called financial management because of how much money you have on hand now, and sometimes you may have to consider future income.

Third, young people may have an advantage in financial management, because they may be able to make a longer-term financial planning. Although you only have 20 thousand on hand now, your salary income may increase in the future. If we only do financial planning around this 20 thousand, it may not be very comprehensive.

Fourth, the basic feature of financial management may be to first ensure the safety of assets as much as possible, and then use reasonable methods to maintain and steadily increase the value of assets.

Fifth, if you want to make a professional financial plan, you may need professional knowledge. If you don't have the professional knowledge or ability in this field, you can seek professional financial advice from professional financial planners in some professional financial institutions. Of course, some may charge a certain fee.

Sixth, the essence of financial management and investment may be very different, which may also need attention.

Not to mention 20,000 yuan, not to mention, 20,000 yuan can't invest in a physical store!

My personal suggestion is to open an online shop. 2 1 century, only online stores can be whimsical. Maybe today, as long as your last style has just been accepted by the system, I'm sorry, it's as simple as that when you get rich!

I am also an e-commerce. The real case is that a little brother in my same period only had more than 6000 yuan, but he had no choice but to open a Taobao shop (deposit 1000 yuan, and he knew nothing about computers). He just got a couple's suit and was admitted to the system, earning nearly 400 thousand invisibly that month! I remember selling it for about 3 months and earning 165438+ 10,000 from Taobao. It's pure, and the cost of workers' wages has been deducted!

So I suggest you try e-commerce!

If I hold 20,000 yuan, I will put all this 20,000 yuan into the stock market or allocate stocks, mix and other related high-risk financial management methods to obtain high returns. However, this method may not be suitable for you because of the high risk. I still suggest that you manage your finances on the premise of ensuring the safety of your funds.

1. Monetary Fund. Money fund is the most suitable financial product for people from all walks of life to invest. The characteristics of low threshold, no energy consumption, low risk and high liquidity are especially in line with the investment needs of the public. So you can invest 6.5438+0.5 million yuan in a money fund similar to Yu 'ebao. You can get a higher rate of return than bank deposits, and you can ensure safety.

2. Bond funds. The remaining 5,000 yuan can be used to buy bond funds and get relatively high returns. Compared with stock funds and hybrid funds, the returns are slightly lower, but the corresponding risks are also lower. It can be said that it is still suitable for some investors to obtain high returns. However, bond funds recommended by reliable platforms need to be selected for purchase, and the investment ratio should be controlled within 1/4.

Because you are limited by the amount of funds, it is a bit difficult, and you need to take huge risks to get high returns. I suggest you find ways to open source and increase the amount of funds you can invest in order to get more returns.

20 thousand yuan, you are only 23 years old, just put it directly in the balance treasure, really. Don't mess with other things. No matter how high the rate of return is, 20 thousand yuan is not too much. If you don't buy high-yield products, you will lose money. Just put 10,000 yuan in the balance treasure, 10,000 yuan, and invest 250 yuan a week for one year. Wait for you for four or five years, and then redeem it when the bull market comes. It's for the best, without thinking too much about financial skills. The simpler the better, the more complicated the income, the higher your principal is, and it is easy to have the risk of principal loss. This is my suggestion,

As the saying goes, if you don't manage money, money will ignore you. If you put your money there, you won't make money yourself. You need a reasonable distribution to get benefits. However, if you want to do investment and financial management, you must first be clear. Any investment is risky. In general, the income is directly proportional to the risk.

From the perspective of financial investment, before investing, you should first set your own investment goals and investment period, evaluate your risk tolerance, determine what kind of investor you are, and then choose the right financial products to invest. As a 23-year-old young man, it is very good to have a sense of financial management and investment. However, due to the small amount of funds and poor anti-risk ability, I suggest that the fund can be fixed on the premise of ensuring stability and maximizing income.

Secondly, from another perspective, we can also use this money to invest in ourselves. Buffett once said that the best investment a person can make is to invest in himself and make himself invincible. When young people spend money to invest in themselves, they must first learn to make themselves more valuable. From material to spirit, from internal to external, constantly improve their core values and build their core competitiveness.

1. What wealth management products are currently on the market, and what are their benefits and risks?

2. What kind of financial products are suitable for an ordinary person?

3. If you are 23 years old and have 20,000 yuan in hand, how do you allocate your financial management?

1, bank financing

The threshold is 50,000 and the income is only 3%-5%. And you must save it regularly, and you will be dumbfounded when you need money badly.

However, in order to attract users, some bank wealth management products are also 6.5438+0 million, but interest rates have also decreased a lot. If you redeem in advance, the deposit interest rate can only be calculated at 0.35%, so don't lose too much.

In a word, I don't advise you to keep it in a bank account, because you can't beat inflation.

2, baby products

Take the balance treasure in Alipay as an example. When it was first launched, in order to attract users, the revenue was as high as 7% or more. However, it got bigger. Since the second half of 20 14, interest rates have been lowered several times. Up to now, it is only 2.64%, which is getting lower and lower.

Moreover, the bank 1 year deposit interest rate dropped from 3% to the current 1.5%, and the yield of Yu 'ebao naturally declined.

Why is the interest rate of bank deposits falling and the income of Yu 'ebao falling?

In technical terms, this is called "the decline in yield caused by the decline in market risk-free interest rates". The "market risk-free interest rate" here is generally measured by the deposit interest rate of 1 year, while Yu 'ebao belongs to the money fund, and a large part of the funds are invested in bank time deposits within 1 year (including 1 year), which means that the return rate of his investment target decreases, resulting in a decrease in his overall return rate.

3. Private placement and trust products

The yield of trust products can now reach 6%-8%, and the yield of private placement products is around 8%, but the investment threshold is too high, usually 1 10,000. Ordinary people generally can't participate.

4、p2p

For ordinary investors, if they want to get higher income than bank wealth management and baby products, I'm afraid they have to bear some risks of principal loss.

On March 28th, 20 19, the network of a group in Guangdong crashed, and the stock was14.5 billion. It is estimated that hundreds of thousands of investors will lose their money.

If you are a conservative investor, it is not recommended to invest in P2P. If you think it doesn't matter if you lose the principal, you can try to gain, usually the yield is 10% ~ 15%.

Of course, the P2P platform mainly depends on risk control. If the risk control is not done well, even a large platform with a scale of more than 50 billion such as e-rental will fall down.

5. Bond investment

The main investment targets include bonds and bond funds, with moderate risk/return. In the long run, time should not be too short. Bonds and bond funds have very stable investment income. Take bond funds as an example: during the twelve years from the beginning of 2005 to the end of 20 16, the cumulative income of bond funds was as high as 148%, with an annual compound interest of 7.86%.

6. stocks

The investment market is a game. Without professional stock picking ability, deep economic and financial foundation, plus busy work, no time and energy, I can only make small pieces of chopped leeks.

7. Index funds will be fixed.

If you want to know more: the best choice for ordinary people to invest in "index funds"

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, you can view this article.

The following is a summary of the fund's profitability:

The profit model of the fund's fixed investment mainly relies on decentralized admission to stabilize its own position cost. As long as the market rises above your average cost line, you can sell it at a profit. And you don't need to operate it yourself. For office workers who are too busy to manage their finances, it is simply gospel.

In addition, the asset fluctuation of fund investment is significantly lower than that of stocks and funds, and it will not affect work mood because of losses. Therefore, the fixed investment of the fund is the most suitable financial management method for ordinary investors and the most effective medium-and long-term investment tool.

As long as we master certain methods, the average annual rate of return can reach 10 ~ 15%.

1, leaving 10000 as usual expenses.

For example, you can spend 5000 yuan to enroll in some high-quality courses to improve yourself and let your ability appreciate. Time is also the best compound interest. It is natural to improve your ability and make money.

Another 5000, don't put it in the bank card, you can put it in the balance treasure to earn a little income, or you can use it at any time, which is very convenient;

2. In addition, 10000, it is recommended to invest in index funds.

Divide it into 12, and invest it in 800 yuan every month. It is also recommended to put the rest of the money into Yu 'ebao.

Work suggestion: After the ant wealth is set, it can automatically deduct money from the balance treasure, which is very suitable for financial management.

If you have any questions about financial management or fixed investment, please feel free to contact me or comment in the comment area, and I will be happy to answer them for you.

Although 20 thousand is not much, it is necessary to do asset allocation. The proportion of configuration can be determined according to your own preferences.

First of all, you need to keep a sum of money that you can use at any time, because you never know when you will be in a hurry to use money, so you should keep a highly liquid fund for emergencies. You can put this money in Yu 'ebao or WeChat Cointong and withdraw it flexibly at any time. The interest is much higher than the bank demand.

Then, you can leave a sum of money to save. This part of the money is low in liquidity and is used for low-risk value-added and slowly value-added. In this regard, you can buy some low-risk wealth management products with a certain closed period, such as government bonds, bond funds, structured deposits, and regular wealth management products.

Finally, you regard the last sum of money as a risky investment, which is also illiquid, but requires high returns, and you can accept certain risks to pursue high returns. Can invest in stocks, funds, P2P, etc.

But before venture capital, you should know what kind of investor you are, which are generally divided into cautious, conservative, balanced, enterprising and radical. It's not that conservative people can't buy radical wealth management products, just what proportion you buy.

Therefore, investment is risky and financial management needs to be cautious. The above analysis is purely for reference, and the final decision is still in your hands.

First of all, if you can be sure that you will have a stable balance in the future, you can buy yourself three insurances, namely, serious illness, accident and pension. The sooner you start buying insurance, the more you save money. At present, young people are under so much pressure that no one knows what will happen tomorrow. It's always right to plan early. Secondly, if you want to learn how to invest, you won't invest too much in the bank to buy funds and precious metals, but with the change of daily income, you will be willing to understand the fluctuation of the investment market and the change of the international situation, so that you not only have the motivation to learn, but also have the opportunity to chat with others. Finally, don't forget to leave a part in investment and financial management such as Longbao, and take it at any time to ensure that there are major events and small feelings in daily life that can be used urgently. Good luck with your investment.