Year-End Financial Management: Three Ways To Make Money In Red Envelopes

At the end of the year, another extra income is coming into the arms. The long - term year-end award can finally be delivered to the hands. Many people have already started figuring out how to use this small bonus.

Generally speaking, the year-end bonus is quite a few. The big hand can only be exchanged for a good time. Therefore, we should start from the financial point of view to do practical consideration and plan carefully.

A lot of people actually carry out their own financial planning in a regular manner. At this time, the year-end bonus is best not to invest or idle at random. In this case, the overall financial planning service can undoubtedly add flowers to the capital and increase the investment value.

The future investment plan should be considered clearly, the specific problems should be analyzed concretely, the annual consumption and investment proportion should be calculated, and the year-end bonus allocation should be reasonably arranged according to individual circumstances.

First, the annual bonus should be included in the long term investment. First, we should know clearly about the current capital situation of the individual, and analyze it in combination with our consumption habits and risk tolerance.

Under normal circumstances, at the end of the year, the general expenditure of consumption is relatively large, and personal assets may be greatly changed. Therefore, it is necessary to conduct a long-term analysis of the financial situation of the year, and make a necessary review of the existing financial schemes, so as to finally properly place the year-end bonus.

Year-end financial management second strokes: under inflation pressure can buy gold hard currency

Affected by the financial crisis, the current economic situation presents a certain degree of inflation trend. Whether it is family or personal, financial management has been pressing, and it needs to be put on the agenda as soon as possible.

Although the government has issued a series of macro-control measures, and the interest rates of banks are usually raised at the end of the year, there is still some risk in saving, buying Treasury bonds and foreign exchange in the rapidly changing financial situation.

The future trend of RMB is obvious. The advice given by experts is that the main principle of financial management in this situation should be to avoid risks, reduce losses and stabilize earnings. Buying gold hard currency is the most reliable way to manage wealth, and it can resist inflation and resist the impact of interest rate increase.

According to the current situation, the general trend of gold prices is going up. The market in 1 and February is very worth looking forward to. Buying gold that is relatively safe at this time can reduce risks, and there is great room for appreciation in the future. It is an ideal choice for year-end financial management.

Specifically, experts suggest that the best storage ratio of gold should account for 5% of the total assets of the family. It can buy paper gold with simple and fast use and high capital utilization ratio, and can also store physical gold such as gold bars as household fixed assets.

Third year end financial management: flexible investment banking short-term financial products

At present, there are many types of financial products to choose from in the market. There are various classifications according to the length of the cycle, the level of earnings and the size of risks, including many short-term financial products. It is also a very reasonable and flexible financial means to use the year-end awards to choose the right varieties to operate according to the conditions.

Monetary funds, RMB short-term financial products and so on belong to short-term financial products. They all have the common characteristics of short duration, principal security, higher earnings and higher liquidity than the same period. They use short-term funds at the end of the year to purchase short-term products. They are easy to operate under the circumstances of raising interest rates, and can enter and enter the market flexibly according to their needs. This is a reasonable choice for the public during the new year.

Experts explained that, according to the development rule of the past financial market situation, usually by the end of the year, the proceeds of the money based funds will generally rise. This is because many investments are recovered at the end of the year, and the funds are relatively short. The large scale avatar projects will gather high interest rates to absorb the idle funds in the short term, so buying short-term financial products at this time will enjoy a high interest rate which is seldom seen at ordinary times and get considerable profits.

Do you think this kind of year-end financial planning is useful? How do you arrange assets?