Small businesses earn hard money. A certain amount of capital investment is a good choice. Of course, it is necessary if you need a car for business development, but you can't spend 80 thousand.
Talking about investment and financial management: Generally speaking, the most basic financial management method is to learn to keep accounts first, and find out the reasonable and unreasonable items of your income and expenditure through accounting, so as to increase revenue and reduce expenditure.
Secondly, the preparation of cash flow, according to the expert's advice, generally needs to save 3-6 months of total living expenses, in case of sudden accidents, diseases, or temporary unemployment, resulting in no source of income. For example, if I spend 2000 yuan a month, how much spare money should I leave? Generally speaking, if 2000X3=6000 yuan and 2000X6= 12000 yuan, it is recommended to keep a current deposit of about 10000 yuan. On the fixed deposit of national debt and gold. The return on time deposits is really low, and it can't outrun CPI, and the bank depreciates every day. In fact, the bond yield is not high, and it is a safe-haven tool. It is good to have some. And gold, unless you are a professional speculator or have more than one million assets, it is not recommended for people with low assets to hold gold to preserve their value.
Regarding the fixed investment of the fund, whether it is high-risk and high-yield, it is a steady capital preservation and guaranteed income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
About stocks. Stock can get high returns, and it is also one of the indispensable financial management tools in income-oriented products.
At present, there are many investment fields in China, such as the basic listed capital market mentioned above, which means venture capital platforms, such as stocks, funds, foreign exchange and so on. Of course, in addition, there are actually many, such as insurance financing, gold and silver, spot agricultural products, especially spot agricultural products, which have developed faster than expected. I used to do stock trading, but now I do spot trading, two-way operation, T+0 mechanism, white disk, night disk, suitable for office workers.
Let's figure out those platforms one by one. Because the characteristics of any platform are different, the investment methods are also different. Such as fund stocks, spot, futures, gold foreign exchange and so on. The fund is now losing more and more money. Why? The stock bull market is gone forever, but the expectations of small and medium investors are high; Futures are the riskiest, can you afford it? Gold foreign exchange is greatly influenced by international and domestic news. How should I choose? Do you know the rapid development of spot?
Professional website platforms are different, there are many stocks, the widest Sina, good news, straight flush and so on, and others include China Fund Network, China Spot Network and so on.
There are four types of people who make money by investing in financial management: 1 institutional investors, 2 professional traders, senior investors with more than 3 years, and 4 people who learn to rely on the strength of others. In addition, if you can make money just because of luck, if you can't be the first three people who make money, you might as well be the fourth person who learns to use the power of others.
Practice is the only criterion for testing truth. You can communicate with each other if you have any questions.