Financial planning questions annual income of 500,000 yuan, financial assets of 750,000 yuan, real

700,000 + accident medical insurance (generally annual income) per person is enough; Children are not encouraged to buy insurance, this needs to be autonomous;

It is more appropriate for risk assets to account for 30%, and it can be considered at the bottom at present, which also depends on the individual's risk tolerance psychology;

At present, the income of banks' wealth management products is slightly higher than that of regular (although limited), and the cycle is shorter than that of regular time, which is slightly more flexible, which can be considered;

How much you keep for your household depends on whether 50w of your annual income is a one-time income or a monthly income at the end of the year, and a monthly income of 4w+ can be left less;

The borrowed 50w+ cannot be counted as an investment

Whether the house 150w can appreciate only depends on the trend of future house prices, and the only way to invest and buy insurance is about 15+ in the 23w at hand, which depends on the personal psychological tolerance (I am about 70% ** (because there are infinite possibilities when I am young) + about 28% of the bank financial management + 2w of insurance expenditure per year + a small amount of household).

The above is the personal experience of a person who has been engaged in the financial management industry for 7 years, hopefully!

Don't buy insurance, haven't you paid enough social security provident fund? The deposit can be left 30,000 yuan for emergency, and the remaining 200,000 yuan can be considered to buy half of the physical **, CCB is good, half of the buy **, financial and energy stocks can be bought.

I don't understand insurance, but it's relatively not as good as foreign exchange.

1 million yuan of funds, the annual rate of return of 15, 30 years have passed, 1 million yuan will become 66 million yuan, now there are many individuals with 1 million yuan, but 30 years later, there are still very few people with a wealth of 66 million yuan, therefore, your choice determines your future! This is the investment philosophy we advocate, and steady and sustainable profitability is the goal that we should all pursue.

If you earn too much, it's not good to manage your money!

Financial planning refers to the use of scientific methods and specific procedures to formulate practical, operable and comprehensive financial plans for customers, which mainly include wild spike cash planning, consumer expenditure planning, education planning, etc.

**, If you know, greening the desert, buying and renting a house, education, it varies from person to person, not how much you invest, how much you will return,,, when will I earn 100,000 a year Woo Are you sure you're not kidding us.

Depending on your asset situation, you can go to a bank or insurance company to find a professional financial planner to help you plan.

Don't waste any time here.

No matter what product you buy, the premise of your purchase is to ensure that you can get back the money you take out.

Like ** too risky. Don't become a millionaire overnight, and you'll go back to the pre-liberation period overnight.

Husband and wife buy insurance first.

The upfront sum insured does not need to be too high. The premium for serious illness is relatively high, and you can buy one-year insurance in the early stage, and Ping An's e-life insurance can be considered, which is about 500 yuan. **Is it Alipay's fixed investment**?

You can continue to hold, this kind of is all about long-term returns, ** the near future is good, you can continue to put it in.

At present, I do not understand the form of the provident fund loan, if it is withdrawn, the loan is recovered, a total of 70,000 9Make up 80,000. You can find a good platform to do P2P (I feel that the income is still relatively high in all fixed income financial management, because I have not been exposed to other fixed income classes) to do a fixed term of 3 years, and the current income is 11%.

80,000 + (80,000 * 11% * 3) = 106,400 yuan, plus the old house money can pay the down payment of the house.

The remaining disposable funds per month are about 5,000 yuan (8000-1000-1500-300 and 200), because they will use money in the near future, so it is recommended to use them separately. Do 2000 one-year P2P every month, the income is 8%, and you can get 160 yuan of interest per month after 1 year. 2160 yuan can be used for the preparation of children's childbirth, nutritional products, etc.

3,000 yuan for 3 years, regular income of 11%, 3,990 yuan (return for use) at maturity

It's better to buy insurance for children's education!

Title 1 Title specification: The title should be short.