Others may not need to pay so much attention and effort, but they can also get the reward of a stable life after retirement. It's not your luck, but your ability to plan and practice money in advance.
Before setting goals for your financial plan, you should really know your financial situation. This will increase the chances of successful financial management.
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The lump-sum deposit and withdrawal has a certain saving effect, but the interest of banks is generally low, so on the whole, this method still can't bring wealth appreciation. However, if you can buy wealth management products and get higher interest, you can also be exempted from income tax. This is not a good method.
Since bond funds began to implement T+ 1, the safety factor of bond funds is basically similar to that of money funds, but the interest rate of bond wealth management products is higher, and bond wealth management is more suitable for working-class wealth management.
Don't put all your money in one basket. Although the deposit interest rate is relatively low, saving money regularly is the safest way. It is also a good choice to deposit some money in the bank. It is best to take half a year as the deadline, so that on the one hand, it can be used in an emergency, on the other hand, it can avoid missing good investment and financial management opportunities.