After we knew what products could be invested in, we also mentioned the yield of each financial product. What should we do next? Naturally, it can be practiced. For the specific investment amount, most of us must choose the investment with a high yield. However, if this investment method can make profits, then how we can achieve balance? If it can't, then naturally, this investment method is doomed to not last long. The amount of investment is too cumbersome to calculate manually. It's better to use tools. After all, the most significant difference between people and animals is that people can use tools. Before we invest, we can calculate the specific investment amount through excel. There are two ways to invest capital. The first is naturally to support all of it and complete the investment action at one time. The second is to keep the amount you want to invest in different financial products in batches.

The first is to invest all the idle money in my hand, which is called "all in." For example, I plan to have 50000 dollars in my hand in two years. Since the time has not exceeded three years, we will define such investment as a short-term investment. In the previous plan, we will call a short-term rigid target, so we can consider low-risk principal guaranteed financial products, such as those recommended by banks. If the bank's wealth management product prepares the principal according to the expected income of 3.5%, how much will it need to invest? PV function can be used for calculation here. Excel or Google Tutorials can be used for analysis here. As a result, 122400 dollars is required to be invested. This income may not be attractive to "stock gods," but for ordinary people, rigid goals cannot be missed. Therefore, it is very safe to choose to earn 3.5% annually, Because the risks associated with such a proportion of income are entirely affordable. Next, let's talk about the second type. Most people who choose to invest do not need money in a hurry, so the investment time will be relatively long. Because the time is enough, we can achieve our income goal through the fund. The expected rate of return of fixed investment funds is about 8%, and there are rules in the bull market. As long as you follow such rules to make money, it is not a problem. Of course, insurance is certainly less risky than the fund. How much principal do we need to prepare for this financing method? Naturally, we also need to use computing tools. This time, it is not a PV function but a PMT function.

With the investment method and calculation method, the plan needs to be adjusted regularly according to the current situation. After all, financial management is not once and for all. Regular review can choose not to take risks after you get the expected income. After you withdraw the money, you can choose a bank with lower risk for financial management. The part exceeding the ordinary income can reward yourself, buy something you like, or go to a place you want. If there is an excess, there will definitely be losses. If you encounter a bear market and you fail to reach your income goal within the scheduled time, you should review your plan at this time. Whether there are fundamental problems, and whether there is a budget to continue to invest in order to obtain the original income. Whether the initial financial management goal can be postponed or replaced by others.

After several years of repetition, you will find that the income of your financial management is far higher than the growth of your salary. At this time, if you want to gain core competitiveness, you should not focus on investment and financial management, but cultivate yourself, exercise more, learn more, and add more to your financial knowledge. Investment in yourself is a timely help.

（Writer：Lily）