How to make a good financial planning in life

　　There are many ways to manage money, and choosing the one that suits you is the most important.In today’s market background, 澳洲理财产品 Still maintain a strong sales data, and constantly beat the competitors in front of us. https://boman.group/

　　

　　1 Fund

　　

　　The annualized rate of return of funds is higher than that of bank deposits, and the risk is generally less than that of stock trading, which is relatively stable and is favored by many investors. But recently, the fund plummeted, and many people complained. In order to stabilize the market, many funds have launched self-purchase activities to reassure people.

　　

　　2 stocks

　　

　　There is great uncertainty in the return of stocks. Stock trading may make several times in a short period of time, or it may lose money overnight. Stock trading is more suitable for people with rich professional knowledge and certain anti-risk ability.

　　

　　3 national debt

　　

　　National debt, commonly known as Phnom Penh bond, is guaranteed by national credit and has low risk. The annual rate of return can usually reach 4%~5%. However, the liquidity of national debt is relatively poor. If you withdraw in advance, you will lose a lot of interest, which is more suitable for long-term investment.

　　

　　4 precious metals

　　

　　Heavy metals, including gold, are more traditional investment methods. The precious metal market is open and transparent and easy to realize, but the price fluctuates greatly.

　　

　　5 insurance

　　

　　Financial insurance is a relatively stable way to manage money, because insurance often writes a predetermined interest rate in the contract, and consumers’ income can be guaranteed. Whole life insurance and annuity insurance, for example, not only have insurance functions, but also generate income, giving consideration to security and financial management.

　　

　　So what is the correct investment and financial management posture?

　　

　　Before investing, you should have a clear understanding of yourself. Two important indicators are risk tolerance and risk preference. Risk tolerance should be evaluated from comprehensive income sources, assets, investment experience, expected rate of return in mind and other factors. Risk preference refers to active investment and stable investment. The former is more suitable for people with strong risk tolerance, while the latter is suitable for people with weak risk tolerance. Investment and financial management can’t be done overnight. It takes time to learn if you want to increase your wealth through financial management.