What should young people pay attention to when managing their finances?

To answer this question, we must first make clear what young people are and make suggestions according to their characteristics. The official concept is that people with 18-45 can be regarded as young people, but generally speaking, if you stand at the age of 30, it is bounded by 30 years old.

First, young people usually have a weak economic foundation and a lot of temporary demand for funds. Therefore, when investing in financial management, we must evaluate our future demand for funds and reserve some funds that can be withdrawn flexibly in case of emergency. However, the investment with flexible withdrawal usually has a low rate of return, so it is very important to do a good job of term matching.

Third, young people usually don't have much investment experience, so they need to be more cautious and carefully screened when investing to prevent being cheated. At the same time, we can start with less risky money funds and stable funds and gradually cover stock indexes, individual stocks and futures.

What should young people pay attention to when managing their finances? On this issue, I want to talk about my own views: young people are capital. If you fall, you can start over. Where you fall, you can get up! This is especially true for financial management. I have some financial advice for reference only!

First, put money into the stock market. Sunshine always comes after a storm. Once the stock market situation improves, it usually picks up quickly. In the depressed season, you can buy a listed company with no loss record at a very low price. You don't need to operate until the environmental and economic situation improves to make money.

Second, set up a savings account, and save some money for each income, which can be used to pay the down payment for buying a house, a new car or getting married.

Third, even if your current job is not so good, you should start to build your own career, establish contacts in your own field, participate in training, learn skills by yourself and enhance your competitiveness.

Fourth, establish a good credit record. If you don't have a credit card, get one. If yes, make sure to repay on time every month, only use this card to buy things that you can afford or need urgently, and pay off the arrears on time within the monthly repayment period.

Fifth, if the unit does not provide you with medical insurance, buy one yourself. If you have medical insurance, you may get better care at some time. Medical insurance is not expensive for young people.

Young people need to learn a lot about financial management. Here I will talk about some personal views, hoping that my answer can help more young people.

Get to the point: don't touch other financial management except stocks, funds and bank deposits. Most of them are deceptive and unsafe.

Let me start with my most familiar fund investment:

20 14 years, I was also a little white, and experienced an epic bull market that year.

I only invested 10,000 to 20,000 yuan, but I lost 4,000 to 5,000 yuan, which was a profound lesson.

The bull market that year began in July. As a small white, naturally I don't know, and I didn't lurk ahead of time when the market was 2000 points, because I never touched stocks and funds.

It was not until 1 1, 65438+February that I heard colleagues and friends around me talk about the recent good returns of stocks and funds, as if everyone were stock gods.

It is natural to be jealous when you see others making money. I bought my first fund on Taobao and only invested 1000 yuan.

Taobao, yes, you heard me right. At that time, Alipay could not buy funds directly. Taobao has opened many shops of fund companies, and buying funds is just like ordinary goods.

At that time, I bought the fund just to see the ranking in the last month, what went up and what to buy. Frequently changing funds, the handling fee is one or two thousand yuan.

I naturally made money at first, and then I bought all my only 20 thousand deposits in the fund. The daily income is about 300 yuan, 1000 yuan.

When I was in the company, I secretly checked the fund valuation. How can I be in the mood to go to work?

Around May 2065438+2005, my 20,000 yuan became 25,000 yuan. Actually, I didn't earn much, because I changed funds too frequently. However, the style of A-shares switches quickly and the plate effect is very strong.

I bought the fund with the highest increase yesterday, but today's increase is not the highest. The fund sold yesterday went up as soon as it was sold. So most people can't make money.

In the bull market, the historical income of the fund is considerable, but most people can't earn such income because they can't hold it. I have always suspected that my fund is "too bad".

Then in June, the bull market came to an abrupt end at 5 178.

I am a little white, where do I know the risks? There is also optimism on the Internet that the market will hit 10,000 points. In the news, the whole people are speculating in stocks, and college students selling vegetables run into the market.

Sure enough, the plunge began. My profit of 5000 yuan soon disappeared, but I didn't want to continue to change funds and pay the handling fee, and I lost 4000 to 5000 yuan.

This is what I am afraid of. I am in awe of the market. Clean up all the stations quickly.

After this investment experience, I made up my investment knowledge and learned a lot.

It was not until 20 17, after I got married, that I continued to start the road of fund investment. At present, * * * has invested 280,000 yuan, and the income has exceeded 70,000 by yesterday.

For young friends, my main points are as follows:

1, should enter the market when the market is cold, and adopt the method of fixed investment to share the cost equally.

2, to choose more than five years, good historical returns of the old mixed fund, do not choose a single industry fund, to prevent the plate rotation, ups and downs.

3. Hold it firmly, don't sell it easily, don't envy the popular funds on the leaderboard, and don't change funds easily, which can save a lot of handling fees.

In the bull market, when everyone around you starts running, you can quit. The highest income must be you!

The earlier the fund decides to invest, the better. Don't be like me. At the age of 27, I missed a lot of time and income.

I wish you a big fortune this year!

One: conservative and backward type

When the salary reaches the bank card, it is basically a big sleep. Either put it in a current account (about 0.5%) or make a three-month deposit (1%). It seems that in their eyes, there is nowhere else to go except to deposit money in the bank.

They should understand a truth: When you work hard, you should also learn to make your money work for you. This is the saying "Qian Shengqian".

Two: plan ahead.

People who have just entered the workplace have many "great plans" in their hearts. Buy yourself a SLR one year later, buy a scooter to work two years later, and save enough for the down payment of the house three years later.

How to achieve it, act in advance to save money, and how to save money in the bank? number

Make a fixed investment in the fund. It is ok to deposit money in the bank, but one problem is that it is easy to spend, even if it is deposited on a regular basis. Fixed investment can solve this problem and make a "two-year fixed investment plan for 500 yuan". You can't bear to ruin a two-year plan, can you?

Let the fixed investment force you to save. 15 payment, automatic deduction is set to 16. After two years, 12000 yuan is enough to buy a SLR. Of course, if you save the down payment, you need to increase the monthly fixed investment. In addition, the fixed investment of the fund can enjoy the dividend brought by the rise of the stock market, and the income can completely outperform the bank deposits within two years.

Is the stock market risky? Yes, that's right, but funds that keep diluting costs during the decline are fully capable of diluting this risk. What if there is a bear market for two years? It's possible, that can only say that you are too unlucky, and I can't help it.

Remember, the fixed investment of the fund is a long-term investment behavior. For young people who can't make ends meet and have strong consumer needs and desires, there is no more suitable way to save money.

Three: financial avant-garde type

Today, the salary of 15, 10000 has arrived. Open the mobile phone wealth management APP, recharge, select the product for 6 months (annualized income of 7%), and purchase successfully.

It's that simple to manage money, and then go to the bank to queue up to fill out the form? Are you tired?

Online lending (P2P), which has become popular in recent years, has become our young people's favorite financial management method.

High income, convenient operation, safety (choose a good platform), flexible deadline and low threshold, which are the benefits that "internet plus" brings to ordinary people.

Four: risk preference type

Investment and financial management can never avoid the stock market. Even if you are scarred, even if you look back, asset allocation without equity investment is not a successful investment process.

Stock trading? For Xiao Bai in the investment circle, save it, some things can be played without wanting to play. How to participate in equity capital market?

Open an account in a brokerage firm and download the daily fund network on your mobile phone. It seems that Li Cai Tong can also buy music now. What to buy?

Young people with certain risk tolerance should buy ETF funds or partial stock funds that passively track the index, which is the best way to participate in the stock capital market.

Young people should have such asset allocation, and this risk cannot be borne. How do they resist the storms of future life?

Five: invest in yourself

When investing, we pay attention to the return on investment, which is the most important measure.

What kind of investment returns the most? Stock market, hedging, venture capital?

No! No! No! Yourself!

Investing in yourself is always the most important investment with the highest rate of return.

Take out 3000 yuan, sign up for a job-related training class, come to road trip to broaden your horizons, and spend 200 yuan to buy some books.

No matter how much you spend 1000 to buy a beautiful dress, people rely on clothes and horses rely on saddles. Remember that you are not dressing, you are cultivating temperament.

It's shameless to be older than you. Spending money on a dress makes you sound so impressed, haha.

After a lap, you will find that the return on investment they bring you is far more than the financial benefits of several hundred dollars.

What, you can't see the benefits?

Remember, some things can't be measured by money alone.

Hello, this is the password on the chain.

Regarding the financial management of young people, we should first pay attention to our own consumption control and pay attention to throttling;

In addition, it is open source. We can choose to buy some wealth management products. Of course, investment is risky and financial management needs to be cautious. Don't blindly follow the trend, choose the one that suits you.

Do a good job in financial management, in fact, ideas and actions are the most important.

Now many young people have learned a concept of financial management: after the monthly salary is paid, the financial management target (balance) is deducted first, and then the remaining money is arranged. This is a good financial habit and goal.

Furthermore, if you really want to manage money, you must understand that managing money is different from investing. Investment is the pursuit of maximum income, and financial management is to follow the balance and achieve the goal. Investment is just a way of managing money.

Finally, before managing money, it is best to grasp your own financial management type. Remember to arm your brain and body at the same time!

Good luck!

First: experience first, income second. Focus on increasing the ability to make money.

Second: start with small funds and find a method that suits you.

Third, set a long-term goal and proceed step by step.

Don't invest in buying a house, don't buy stocks of companies that are profitable in the high market or have no contact in life, don't buy bank wealth management products, and buy large deposit certificates or gold and silver.

Financial management is first of all idle money, don't borrow money, because young people need money at any time, pay attention to the liquidity of funds, and safety hardly matters. Paying tuition early in the morning and evening is not suitable for those who pursue high returns.

Now that young people are new to society, the funds accumulated in their pockets will not be particularly abundant. Young people manage money. First of all, they are concerned about the safety of the principal. Now many high-yield wealth management products are not necessarily reliable; Secondly, choose multiple investment fields and don't put your eggs in one basket.