Firstly, what are the aspects to start with in analysing personal economic situation?

This is the first step of a personal investment loan and financial plan. Ask yourself the following questions and give accurate answers:

1, under the premise of ensuring a normal life, how much money can I have to invest in finance?

2. What is my sharing capacity? Can I bear the consequences if I fail to manage my money?

3. How much money do I need?

Figure out these questions to give yourself an accurate positioning. Then you can put forward your financial plan and income target according to the actual situation. Some people may say, "I have a large demand for capital, low risk tolerance! I reject risk and expect to get rich overnight!" That's not financial management, that's just dreaming! Note that everything should be in line with reality.

Second, the common personal investment financial products selection method

Now there are many financial products available to investors, how to choose a good product is the top priority.

1, look at the platform background when choosing. The overall strength of the platform, the product will not be too bad.

2, look at the yield of the product. Do not ask too much, 8% up and down even if it is good.

3, look at the platform's operating time. A good platform can stand the test of time. The corresponding product risk will be lower.

Third, the setting of the proportion of personal ploan funds management

The following proportions for your reference: 20% of the funds for daily life expenses, 20% for bank savings, 30% for investment with low risk of stable income, and 30% for products with relatively high risk and considerable income. The proportion of each item does not need to be fixed, just pay attention to the principle of diversified investment. Personal finance is simple, but also simple, but also difficult, with reasonable planning, in order to get twice the result with half the effort. We can be targeted to understand the products suitable for their own, bearing in mind that financial management should not be blind, not venture into.