How to manage money as a single mother, ask for advice! 20

What are the purposes of your finances? How much is the monthly expense? Do you currently have an income**?

90,000 yuan can be used to buy some currency ** instead of demand deposits, currency ** low risk, short redemption time, and no subscription fee and redemption fee, interest than 1 year fixed deposit, lower than 3 years of fixed deposit.

As my opinion, it is to buy some stable, among which you can choose the high return, don't think about the rest, financial management is long-term stable rather than outbreak, the outbreak of the ** on it, those recommended products, said that the sky is chasing, in fact, it is to earn product commissions, don't buy incomprehensible, credibility is not clear, things, buy to understand, do understand, among which the high income can be, it's that simple.

Pay attention to your social insurance must be paid up and not interrupted.

It is recommended that you choose to deposit in installments, that is, some save for one year, some save for half a year, and some save for 3 months... 90,000 yuan for current and 10,000 yuan for regular term, resulting in a lot of loss in terms of interest.

In addition, if you have a car, it is estimated that the cost of the car is not small, so it is recommended to leave the car idle when you can use public transportation.

In addition, you buy too many wealth management products from the bank, and it is estimated that the yield will not be so high at that time, and it is also possible that the bancassurance product is being promoted by the insurance company as a wealth management product, and you have to go back to check what the product is.

If you want a 50-square-meter house, the down payment will be about 300,000 yuan, you can find a way to borrow some, and then you can take it out after the expiration of your financial products.

It is recommended that you manage your money through banking channels. At present, China Merchants Bank has many personal investment and financial management methods: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

If you have investment and financial needs, you can go to China Merchants Bank outlets to consult the relevant advice of the wealth manager.

1. Financial planners suggest that divorced single mothers should focus on family security, children's education planning, and endowment insurance.

2. In view of family security, financial planners believe that single mothers should first purchase sufficient insurance for themselves and their children, and the focus of insurance should focus on adults, accident insurance and critical illness insurance should be further strengthened, and life insurance, pension insurance, participating annuity insurance and other combination insurance should be supplemented according to their own economic ability, and the insurance ratio should be higher than that of married women.

Why should single mothers choose insurance for financial planning? Let me take you to learn about the insurance and financial planning of single mothers!

Case

Reader: Ms. Xia, 35 years old. In the second half of last year, the seven-year-long marriage ended, and the 6-year-old daughter was raised by herself, and the husband paid 4,000 yuan a month in child support. Ms. Xia has a house and a car, with a monthly income of 15,000 yuan after tax and a monthly consumption of 10,000 yuan.

In the near future, the ex-husband will return the 1 million yuan borrowed from his parents. Ms. Xia's parents plan to hand over the money to their daughter to take care of. At present, Ms. Xia has a deposit of 300,000 yuan, of which 200,000 yuan is in the bank for wealth management and 100,000 yuan is invested in **.

Ms. Xia has no plans to remarry at present, and uses the money to protect the future life of herself and her daughter, and improve the quality of life. How do analysts manage their finances?

1. Insurance planning and basic protection

Ms. Xia has no plans to remarry at present, and as Ms. Xia's parents get older, they are likely to spend more and more on medical expenses, and as their daughter grows up, she will need more and more funds for education. As the main financial leader of the family, Ms. Xia is the first priority to make a protection plan for herself, and it is recommended to give priority to term life insurance, accident insurance and critical illness insurance, and the premium expenditure is about 10% of the annual income, which will not cause pressure in life and can also meet the protection needs. At the same time, you can also choose a suitable accident and critical illness insurance for your daughter, and pay attention to the protection of your children.

2. Emergency reserve for liquidity reserves

Normally, the emergency reserve is 3 months. Household income can be adjusted according to your actual situation. Ms. Xia can invest 50,000 yuan in bank open wealth management, currency**, etc., which are usually more liquid and have a slightly higher yield than demand deposits to meet emergency living expenses.

3. Medium-term capital investment asset allocation

Short-term funds generally sacrifice investment profitability to meet liquidity, so medium-term funds need to make up for some profitability. According to the risk level from small to large, Ms. Xia can invest 1.2 million funds in treasury bonds, time deposits, bank wealth management, bonds**, **type**, ** and **. The advantage of this asset allocation is that it is rich in products, which can diversify a part of the investment risk and improve the overall expected return of the portfolio.

Fourth, long-term funding for daughter's education fund planning

To put it simply, regular investment is to entrust the bank to subscribe for an open subscription at a fixed time every month with a fixed amount. Regular investment is characterized by accumulation, average cost, and risk diversification, which is a tool often used in long-term planning. It is recommended that 20% of the monthly income can be contracted to invest in the fixed investment, and try to choose the **type** or the index type**, because the greater the fluctuation of the net value, the more conducive to the investment cost with time, and the higher the expected rate of return.

You don't need to manage your finances! You just need to concentrate on raising your child and giving him the best education! By the way, find a suitable father for the child!

And what you need for financial management is to find a professional company to take care of it for you! Such a company must have nationally recognized qualifications and professional financial management skills to ensure that risks are minimized and returns are maximized!

I recommend investing in the world through Huayin Financial Group**, opening an account with a minimum of 30% of the principal and a maximum of 125% of the principal, no handling fees, tax and debt avoidance, the principal can be recovered in two years at the earliest, and the remaining profits can continue to grow in the account with rolling compound interest. When your child graduates from high school, the funds in the account are enough for him to study abroad; When you retire, you will have enough money in your account to retire!

Huayin Capital Group is the country's top third-party financial institution, with a team of financial experts from Wall Street, Hong Kong, Australia and other places, a quantitative trading system developed with its own investment of 60 million, and its own professional technical team, specializing in wealth management on behalf of customers, with an average annualized return of more than 20% of historical performance, and a commitment to free service fees for annual returns of less than 10%!

For details, please click on my information to consult me! Hope it helps!

Buy ** fixed investment is good.

If you need a financial product that can both increase in value and provide protection, it can only be investment insurance. The investment return of insurance will not be very high, the key is protection, and the appropriate type of insurance should be chosen.

It's the experts who help you manage your money. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect. Through long-term investment, the average annual return of **type** is around 18% 20%, and the average annual return of bond type ** is 7% 10%.

It can both increase in value and provide protection, then there are only insurance and treasury bonds, and the other 2 you mentioned are likely to lose money!

It is recommended to invest in a proportional manner (the reason is that China as a whole is upward):

5 treasury bonds (which can both increase in value and provide protection, risk-free, and the yield is higher than the deposit interest rate) 3 bond types ** (go online to make up for ** knowledge, choose only bond **, low risk, long-term returns are higher than treasury bonds,)

2 shares**type** (the risk and return are higher than the first 2, and now you can buy it, it is recommended to make a fixed investment (you can buy 5 out of 2 shares in the first one) to reduce the risk).

Now that the price of ** is very high, it is a wise decision if you want to invest and manage your finances! Now that science and technology are becoming more and more developed, things are getting better and better, and now the new speculation in the market is currently the most advantageous investment product in the market.

1 The investment cost only requires 1-5% of the capital, (equivalent to 1 yuan to do 100 yuan business).

2. The investment is in the country's economy, not in the performance of listed companies (there is no ** crash).

3 Forex** is a two-way transaction, buying down and buying up to make money (****** it is trapped).

4 The global trading volume is above $2 trillion a day, (** only $20 million, there is no market maker control).

5 Trade 24 hours a day, (without affecting your work).

6. The risk can be controlled, set a stop loss and take profit, (set a price you can bear, the system can automatically close the position, prevent you from suffering large ** volatility losses).

7 High rate of return on interest (**Interest payout up to 4 times per year, while forex traders can enjoy interest on a daily basis).

I think, foreign exchange solves your risk, investment costs, no time problem, and the profit is also considerable, now foreign exchange is still in the growth period, just like the beginning, **volatility, now it is best to earn your first pot of gold, hehe. Hope it helps! My name is Trabecular.