Questioning: Many people regard as now managing finances are the investments, I want to understand, managing finances and the investment are a chapter of matter? Jiangsu reader Yang Yueda: Managing finances, many people understand the investment, truly, no matter now is the bank or the negotiable securities company, the Investment company, the Insurance company and other social company, will be flaunting reality which in abundance the banner line of investment will manage finances, the month long in the course of time, in people's heart, managing finances turned the investment. actually, the investment is only a managing finances aspect, but is not the managing finances entirety. The investment and managing finances have the risk, but, the investment risk is only a managing finances risk management part. The investment take the benefit maximization as the ultimate objective, but manages finances is refers to the property the most superior disposition, said vividly, is not only must place the egg in the different basket, moreover must place in the most appropriate basket. The most superior property disposition, wants the overall evaluation different investor's property debt situation, the life finance plan, the risk by chance degree and so on various factor, balanced returns ratio and risk, optimization investment profolio.

 

Some managing finances product had already forgiven wholesale the investment profolio, for instance, Everbright Bank's sunlight managing finances meal plan, has been well balanced the income and the risk. the successful managing finances, is refers to the wage income and the investment income accounts for the gross income respectively half. Many stock market experts snort contemptuously frequently to managing finances, because in their mind, manages finances that income sometimes might as well which produces they one day-long to speculate in the stock market obtained. Actually, everybody need to manage finances - - -, regardless of being the professional investor or the common people, the sole investment tool causes the high risk inevitably. Besides the reasonable disposition investment tool, managing finances other chief purpose is controls the life the financial risk. The life is long and is complex, the people will encounter each kind of risk in this changeable life course. Success managing finances can through the risk circumvention and the shift method (for instance purchase insurance), loses as far as possible falls lowly.