大麦理财：30万如何用出300万的范儿？必须收藏！

Case analysis:
Mr. Wu is a typical technical otaku. After graduation, he worked for a technology-based company in Shenzhen, with a salary increase from his previous salary8000Up to now2Wan was obtained through countless overtime hours, countless entrepreneurial efforts, and solid technical skills.

At the time of graduation, Mr. Wu's idea was to settle down in Shenzhen, but later found that the housing prices in Shenzhen were too high for Mr. Wu, who came from a rural background, to afford. Therefore, he set his sights on his hometown's provincial capital city - Xi'an, and planned to buy a house in Xi'an in the next two years.
Currently, Mr. Wu has30A deposit of over ten thousand yuan, and the usual expenses are not that large. Although there is a plan to buy a house, we cannot handle what we only have30Use all the money to buy a house, always keep a certain amount of emergency reserve for your future life. Coincidentally, Mr. Wu has many colleagues who often talk about stock funds, which makes Mr. Wu, who has no investment experience, very curious and tempted. As a result, Mr. Wu has also started to consider some financial management.
Regarding this, financial analysts conducted a financial risk assessment on Mr. Wu. Mr. Zhou has a relatively high income, is young, and possesses good skills, so overall, his financial risk tolerance is relatively strong. In investment, he can allocate a certain amount of aggressive investment, in addition to allocating a portion of conservative investment.
Firstly, for aggressive investments, you can try stocks and funds
For Mr. Wu, stocks are just something he often hears from colleagues, but he is still unfamiliar with practical operations. If you want to invest in stocks, financial analysts suggest that you first understand the relevant knowledge of the stock market, such as the Shanghai Composite Index, Shanghai and Shenzhen Index, and some simple knowledge about stock operations can be learned in Tonghuashun.
In addition, there are several types of funds, including stock funds, index funds, bond funds, and currency funds. Among them, equity funds have the highest risk, and generally fund platforms like E Fund have good fund products. For Mr. Wu, who has no investment experience, it is best to entrust the investment to professional investment personnel, so that he can save time and effort and focus his energy on work.
However, both stocks and funds have a common disadvantage of high risk and unstable returns. For Mr. Zhou, there is only so much money in total, and he also needs to buy a house and get married. Therefore, before investing, it is important to carefully consider.
Secondly, allocate robust investments
In terms of stable investment, financial analysts suggest that Mr. Wu can take a look at those with stable returns and low risksP2PWealth management, like state-owned asset platforms like Damai Wealth Management, is beyond doubt in terms of risk control and background,11%The annualized income is also quite good, and office workers like Mr. Wu can contribute to it50%About half of the funds will be invested.
anywayP2PThe investment threshold for wealth management is low, and the minimum investment amount on most platforms is the same as that of barley wealth management100Yuanqi Investment, but the returns and risk control of each platform will vary, so financial analysts remind everyone to choose a platform with good reputation and risk control before investing, to give their funds more protection.
Generally speaking, there are many people like Mr. Wu who have financial needs. In this regard, financial analysts suggest that one must make financial plans. Financial management is always a matter of early rather than late.