For some ordinary investors who are busy with work, if they don't have time to manage their finances, they can also find some efficient ways and means to configure some p2p financial management varieties that are easy to operate. According to the needs of some financial people. So how to invest in financial management efficiently? Eight fish small series compiled a number of efficient investment and financial management methods, efficient network investment is a shortcut to financial management. Time deposits: Bank time deposits, the most familiar financial management method, that is, the bank and depositors deposit the time limit according to the prior agreement, the annual interest rate and the interest earned after the expiration, which is called “zero risk”. Financial management, insurance and income. Time deposits are generally divided into three months, six months, one year, two years, and three years. After the central bank cut interest rates, the benchmark interest rate is lowered to 2.1%, 2.3%, 2.5%, and 3.1%. However, the interest rates of banks are different now. It is recommended that investors "", choose banks with high interest rates to make deposits. In addition, the deposit insurance system has been implemented. It is recommended to diversify deposits. The maximum amount of each bank is 500,000. Almost everyone in today's society has a credit card. Credit cards are really good things, but after the credit card is opened, too much early spending will often "overdraft" your wealth life. Financial management is the foundation of the capital. Without the capital, it is difficult to form a roll of wealth, let alone the "snowball" method of making money. Therefore, investment and financial management, you must first learn to save money, so that we have more funds to invest in financial management, in order to obtain financial benefits! Since a few years ago, the balance of the treasures have become popular, many people have transferred all the savings into Balance Bao Finance. However, the author believes that investment and financial management should adopt a combination of long-term and short-term products. In spite of the partial gains from converting bank savings into “financial wealth management”, in short, Yu'ebao is still a relatively low-income financial management method. If the amount of funds is larger, it is better to adopt a longer-term financial management method. A lot of investment and wealth management on the face now, not only the income is high. For example, p2p investment and financial management, bank investment and financial management are not good choices! And choose investment and financial management, you must polish your eyes, not only focus on high returns, because according to economics, high-yield investment and wealth management products often Along with high risks, it is a good habit to choose investment and wealth management products, which should not be based on income, and should focus on investment and wealth management risks and choose investment and wealth management products that can withstand the risks of investment and financial management.