What are the risks? I didn't understand what risk was when I first learned to manage money. Before that, I was an extremely conservative person. At that time, there was only one way to invest, that is, to deposit in the bank. So at first I thought the risk was to lose money, that is, to lose money. But with the slow study and thinking, my understanding of risk has gradually improved. In fact, risk is fluctuation.
The so-called big risk is big fluctuation, and the so-called small risk is small fluctuation. Large fluctuations are not necessarily a bad thing for us, because we can get high returns by investing more at the bottom, investing less at the top or selling gradually. Small fluctuations are not necessarily a good thing. The fluctuation of Yu 'ebao is small. If all the funds are invested in Yu 'ebao, let alone financial freedom, even inflation can't be resisted. In investment, we should use this fluctuation to coordinate different fluctuations.
And remember that high returns must be high risks and low risks must be low returns. The opposite is not the case.
At present, you have 60 thousand. We can allocate assets and allocate 60,000 yuan to different accounts.
1, the daily expense account is the consumption account.
The purpose of this account is to save daily expenses, that is, after making a monthly budget, directly transfer the money to this account until it is used up. You can deposit all this money in the money fund and use it whenever you want.
2. Emergency account
In life, we will inevitably encounter some unexpected things, such as accidents, unemployment, illness, staged major expenditures and so on. This caught us off guard. To prevent confusion, it is necessary to set up an emergency account. Generally speaking, this account needs to prepare 6- 12 months of family daily expenses, which can increase the savings ratio according to your actual situation, and the money must be placed in a place with good liquidity, that is, it can be used at any time in case of urgent need of money in an accident. It can be deposited in the B-type money fund, with a lower rate and slightly higher income than other money funds. The most important thing for this account is to ensure liquidity, and the rate of return is not the most important appeal.
3. Investment account
The money in this account is idle money that has not been used for a long time and is used to invest in index funds. It is best to hold the assets here for a long time, and the time is 3? Seven years, or even longer. Let assets become our Qian Shengqian and fight against inflation.
Suppose you leave 5000 yuan in the daily expense account, 15000 yuan in the emergency account, and the remaining 40000 yuan can be used to compound interest and generate money.
How do female college students manage their finances? How to start with investment and financial management? Bian Xiao said here today, hoping to help everyone. Bian Xiao will continue to update more wealth management and investment-related content.