Nowadays, financial management has become more and more important in life, and it has become a way of growth. It has begun to realize the importance of personal investment and financial management, and has joined the army of personal investment and wealth management. With the post-90s entry into the job, young people with a little savings will have to spend money to brainstorm. So, which method of personal finance is better? There are good ideas, but for personal investment and financial management, Xiao Bian suggests that everyone should continue to plan and proceed.
1. Property Analysis
To manage money, you must first understand your assets, including liquid assets, investment assets, short-term liabilities, and long-term liabilities. After careful confirmation of the accounting, I have come to know how much net assets I have and how much money I can use for investment.
2, income and expenditure analysis
The so-called income and expenditure analysis, is to figure out their usual situation and cost. An individual is the sum of his monthly salary, bonus, long-term deposit interest, and personal investment. Personal expenses are the sum of usual expenses plus standby expenses. The usual control of the balance of personal income and loss is to adopt the method of open source and throttling.
3. Analysis of financial goals
The so-called financial management goal is to set a personal net asset value increase within a certain period of time. This will make financial management more planned, clearer and more feasible.
4. Analysis of financial plan
This requires everyone to determine the corresponding personal financial plan and implementation steps according to their designated financial goals. And refine it as much as possible so that it can be implemented in an orderly manner.
5, P2P investment and financial management
P2P investment and financial management due to low threshold, high return has become the preferred financial management method for many wealth managers. Because this financial platform provides a variety of financial management models, it can be long-term, short-term, fixed, and flexible. And only a hundred dollars can be invested and managed, and some people are also holding a try attitude. First invest a little, feel good, credible, and make a big investment. This model has also made many office workers get the sweetness and earned the first bucket of personal investment and financial management.