About Personal Finance Plan 50

If you don't manage your money, your money won't care about you. Create a personal finance plan that is related to your income and liabilities. If an individual's income minus debts and daily consumption are subtracted, then the remaining money can be used for financial management.

For financial management, different amounts of funds involve different financial directions. For tens of thousands of yuan of wealth management, you can invest in the index or one-time currency, or you can divide the treasury bonds and bank wealth management products with relatively high security.

For hundreds of thousands to millions of funds, you can invest in real estate, you can invest in blue chips or science and technology innovation boards, etc.

For millions to hundreds of millions of funds, you can start your own company or invest in reliable trusts.

For those with hundreds of millions to tens of billions of funds, they can open their own banks or invest in foreign emerging markets.

For tens of billions of dollars, this kind of global super-rich can participate in various activities around the world.

In view of Mr. Wang's personal income and family situation, he intends to make the following financial plan:

1.Deposit 350,000 yuan, take out 50,000 yuan to pay the down payment on the car, and pay the rest in installments.

2.Take out 5-100,000 yuan to make high-risk and high-return investments, but it is best to invest money in high-return ** or financial products, and manage money with the help of an excellent management team to achieve the purpose of return and income.

3.The two each took out 50,000 yuan to buy an insurance for themselves, their wives and their parents.

4.Mr. Wang, who has an annual salary of 80,000 yuan, and his wife, who has an annual salary of 40,000 yuan, can take out 500-1000 per month to make a regular investment, and the fixed investment period can be set to 20 years.

5.Leave a part (5-100,000) of the deposit as a reserve fund in case of accidents.

6.The child has not yet been born, so there is no need to invest in it for the time being. Reserve 1-50,000 for backup.

First of all, half of the 350,000 yuan will be saved for a certain period of time so that it can be used to have children.

And then half of the 10,000 buy treasury bonds. The rest can be invested in investment tools that you are familiar with.

Of course, if Mr. Wang has a stable job, he can increase the share of investment. You can pay in installments when you buy a car, and the interest rate on buying a car from the bank is relatively low.

Set a goal based on the actual consumption of the individual.

Savings must be compulsory, and the accumulation of principal is the first step, and it is a difficult step, but everyone needs to start with this. After that, asset allocation is carried out.

It can be configured according to the principle to achieve a balanced state, and pursue the maximization of benefits under the premise of safety.

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The practical type is still handed over for homework.