Save enough for three years1000Ten thousand entrepreneurial funds! Great Wall Securities, Damai Wealth Management, Huaxia Fund

My husband and I are both80After being an only child, both of them work in private enterprises, and their monthly after tax income adds up to2.5Wan, after getting married, two people need to support each other4An elderly person, and another one is on the way5The financial pressure on children in their grades can be imagined.



My husband has always had the idea of starting his own business and has been preparing for it since getting married. However, due to the financial pressure on his family, he has been putting his entrepreneurial plan on hold. The plan is to accumulate sufficient entrepreneurial funds in three years before taking action. A while ago, after sharing this situation with a friend in the field of financial management, they gave us some advice on entrepreneurial capital management:
At present, our family's deposits300Ten thousand, there's another car worth it50A car worth over ten thousand yuan, a set100A flat house, estimated to be around700A fortune of ten thousand yuan, but considering the elderly and children at home, the direction of financial management should be mainly fixed income financial management, supplemented by floating financial management.
1Stocks
Recommended platform: Great Wall Securities, investment proportion20%
The risk and return of stock market investment coexist. For families in the entrepreneurial period, ensuring the safe operation of the capital chain is very important. Therefore, they cannot invest all their money in the stock market and can allocate a small amount of money to invest. We opened an account with Great Wall Securities, the largest comprehensive securities company in China, and invested in it20%About the entrepreneurial capital.
2Fixed income financial managementP2P
Recommended platform: barley wealth management, investment proportion55%
P2PThe online lending industry is currently one of the most time-saving, labor-saving, and safe and convenient investment methods. It is safer than the stock market and has higher returns than bank wealth management. Therefore, we have chosen barley wealth management in the state-owned asset system（www.damailicai.com）Invested in55%Funds, annualized income11%, quite considerable. At the same time, Damai Wealth Management has obtained the investment from Changfu, a wholly-owned subsidiary of Great Wall SecuritiesBSeries financing and cooperation with listed company Shengda ForestryCRound robin financing has a strong background and high security.
Because we are still in the stage of preparing funds, we are still working hard and will invest a portion of our monthly salary. In addition, by making reasonable use of interest rate hikes, lottery tickets, and other means, our returns can almost double. This is also the highlight of our family's investment.
3Fund
Recommended platform: Huaxia Fund, investment proportion25%
The advice given by financial experts in the field of funds is also to invest a small portion, as the returns of such investments are in an unstable state. However, adhering to the concept of conservatism, stability, and comprehensive fund investment, I chose a hybrid fund investment in Huaxia Fund, with no intention of making much money. The main purpose was to prevent idle funds.
To be honest, after a lot of tinkering, it feels like starting a business is really not that easy! There is so much preparation work in the early stage of entrepreneurial capital alone. It is better to lay a solid foundation in the capital chain first, after all, once starting a business, it is necessary to ensure a continuous flow of working capital!
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