Fresh graduates don't have much money, so you have to earn money before you can manage your money. When you have no money, you should learn to save money and use it on the cutting edge. When you create value with a small amount of money, that's when you start managing money. You can look at it in the following way. First of all, we should set aside the budget for daily living expenses; Secondly, you should give yourself and your family enough protection; Finally, the planning of various investments. It should be noted that after the financial planning is completed, in addition to the implementation of the plan, the plan should be revised regularly to make changes according to your recent economic situation. Specific wealth management products are as follows. Of course, before buying any wealth management, buy 1000 to test the water. Wear it for a month and see the benefits. Don't buy if the annual interest rate exceeds 12%, and don't buy if the annual interest rate exceeds one year.

1. savings. Bank deposit is convenient, flexible and safe, and is considered as the safest and most stable investment tool. The biggest weakness of savings investment is that the income is lower than other investments, but for college students who have just graduated, the purpose of preserving value can basically be achieved.

2. Insurance. Investors who choose insurance financing will generally choose a strong guarantee for themselves and their families. Insurance wealth management not only ensures personal safety, but also obtains corresponding income through the insurance wealth management products that you buy regularly. You can think about it when you have some money.

The above method is my personal opinion. After all, my situation will be similar to yours in a few years. Of course, there are definitely more than the above two wealth management products. But they are not suitable, as follows:

1. stock. The unpredictability of stock market risk exists after all. High returns correspond to high risks, and the psychological quality and logical thinking judgment ability of investing in stocks are higher.

2. Fund. Funds can not only invest in securities, but also invest in enterprises and projects. By issuing fund shares, fund management companies concentrate investors' funds, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and share the benefits.

3. Foreign exchange. Foreign exchange investment can be used as an auxiliary investment in savings. Choosing a stronger international currency to deposit in the bank may get more opportunities.

4. Other similar calligraphy and painting antiques, jewelry, lottery tickets, lottery tickets, futures, etc. It is also a common personal financial product.