The tools of financial management mainly include savings, insurance, stocks, funds, foreign exchange, gold, collectibles, investment trusts and so on. Financial management knowledge mainly involves finance, accounting, economy, investment, finance, taxation, law and so on. There are two main goals in financial management, one is financial security and the other is financial freedom. Financial security is the foundation and financial freedom is the end.
On the other hand, financial management has two directions, one is attack and the other is defense.
At present, many people have a serious misunderstanding about the concept of financial management, thinking that financial management means making money, that is, buying stocks and real estate. In fact, this is only one aspect of financial management. Another important aspect of financial management is that you can spend less or even no money when you encounter difficulties. Specifically, we can use insurance, taxation and legal tools to rationally allocate assets.
Financial management is to use financial management knowledge and tools to provide comprehensive, comprehensive, holistic, personalized, professional, dynamic and long-term financial services according to customer needs.
The contents of financial management include cash planning, consumption expenditure planning, education planning, risk management and insurance planning, tax planning, investment planning, retirement planning and property distribution planning.
Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. Bank investment
The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
4. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
5. E-commerce financial management
2 1 century, in addition to online financial management, you can also use the financial search engine on the internet to search for financial products and compare the risks and benefits before investment.
Many people who invest in funds actually don't know the specific operation and income calculation method of funds. How much income they can get depends on the difference in the amount of money they receive, but how the money comes from and whether there is any error is basically embarrassing. Next, let's look at how the fund's income is calculated.
If the subscription funds are before the working day 15, the income will be calculated from the second working day. If you buy after 15 on the same day, you need to calculate the income on the second and third working days. If the fund is purchased during holidays, it will be recognized by the system as the first working day after holidays, and the income will be calculated the next day.
At present, most fund companies use the external deduction method to calculate the income, because the share of the external deduction method will be a little more for the same purchase amount, which is more beneficial to the fund holders.