Three measures of personal finance and investment office workers

 General way of preserving the value of wage earners for the banks on a regular basis or on demand. On a regular basis and installment savings into Lump. But this year, down does not really add value, so we should learn from past lessons, take advantage of opportunities, so that my increasing the value of the real hard-earned money. From a scientific point of view, in fact, take good care of the following three aspects can be both easy way to save time, it might also lucrative.
First, time deposit, deposit substitute half of the year
Safety first, is the most important prerequisite earners, but also a prerequisite for all beginner finance. then for a friend who used to keep a regular basis, the space has not cut interest rates in the current circumstances, it is recommended to deposit period six months.
a regular basis as to why six months, instead of one year, because on a regular basis relative to the current six months, there are qualitative changes, but the central bank to raise interest rates at any time possible, six months is more appropriate than a year .
Second, the fixed investment fund is meant to replace the fixed deposit, fixed installment savings
force yourself to save money, and achieve value-added purposes. which is scheduled to vote funds also have this effect. At the same time, the relative zero-deposit the entire take it, is scheduled to vote the Fund's income is far on top of. especially in the face long-term bull market, will be more suitable for working family investment fund.
Third, equity funds to replace the stock will not have too
earners more time to study stocks and do not have the knowledge, casually follow the trend to buy shares, will greatly increase their risk. to compare benefits and risks, the equity fund is more suitable. optimistic about a fund management company, read the fund manager background and performance, and then select it, to believe in the bull market, the yield is quite significant, and the risk is far lower than your own stock from the vast sea fishing needle.