Every September is the beginning of college graduates entering the society.

For a newcomer who has just entered the society, the most important financial planning is not to think about how to use the earned salary to "snowball", but rather a whole career design -- gradually improving work income through perfect career planning, which is the fundamental of financial management.

Therefore, financial planners suggest that graduates first have to think carefully about their career goals and implementation methods, and start from at least 10% of their monthly income to their own charging and career investment.

Zhang Ning is a big boy who has just set foot on his job and has a monthly salary of 4000 yuan, and asks about his financial goals. He insists firmly that he should buy a car and buy a house and become a family to support his family in 5 years.

The financial planner advised Zhang Ning to save his monthly savings as a one year term deposit, so that no matter which month he spent money, he could withdraw the deposit that expired in the month, which would not only accumulate funds but also cultivate financial awareness.

In addition, Zhang Ning can also consider investing in assets such as treasury bonds, new stocks and other low risk items with high returns.

After accumulating wealth for a period of time, we can try to invest 70% of assets in high-risk investment, and the remaining 30% will be used for conservative investment.

The girl kept in mind that asset preservation and Xiaoya were lucky enough to find a well paid foreign company after graduation. Although she didn't enter the office for a long time, she had accumulated tens of thousands of personal deposits.

In the case of Xiaoya, who has a stable income every month, after he has set aside a living reserve fund, he can take part of his funds and make portfolio investment every month to ensure the value and value of assets.

Generally speaking, fixed investment fund and regular life insurance are good choices. Besides, RMB financial products are also important investments she can consider.

These low threshold but easy to achieve investment objectives of investment, as long as we insist on carrying out, also can get unexpected returns in a certain period of time.