How to manage money for a family of three with an annual income of 80,000 yuan? 20

Judging from the current environment, you should first buy insurance products for yourself and your wife, health critical illness, etc. After that, you can buy the bank's short-term principal-guaranteed wealth management products, and the rest can be saved in the bank (fixed deposit).

According to your situation, it is first recommended that you buy critical illness insurance for yourself and your wife (additional accident insurance, the coverage amount of insurance with high income is higher) and then buy endowment insurance for your wife. The proportion is controlled at about 20% of the annual household income (critical illness insurance has an exemption function), 20% is deposited in the bank as an emergency fund, and the rest can be purchased treasury bonds or dividend insurance (with stable income and low risk).

You can go to the bank for consultation, go directly to you, communicate with customer service face-to-face, and ask any questions directly.

It is very good to recommend that you start a business that I can teach you.

Financial planners are good at having goals.

Hehe! It is generally recommended that families do a good job of three major assets.

1.Health assets means having enough money to see a doctor, both major and minor.

2.Life Assets People are alive, and it is trouble to die too early, and it is also trouble to die too late. Because if possible, you will work until you are 60 years old, but according to the standard of living of Chinese, it is normal to be 80 years old, so to be prepared for 20 years of living expenses, is a large amount.

3.Other assets such as children's education funds, parents' pensions, etc.

Allocate according to your financial situation, income and expenses, and future needs.

Invest and manage your finances!

If you are interested, communicate!

(1) Allocate the best expenses reasonably. Optimal Expenses = (Daily Expenses + Household Income) 40%. At the same time, the rational use of activities such as the sale to buy daily necessities, as well as pay attention to turning off the lights and saving water in life, can reduce most of the expenses.

2) Choose the right and safe way to save. You can consider depositing 20% of your income in a bank, and at the same time choosing a part of foreign currency to deposit to protect against the risk of possible depreciation.

3) Newlyweds can choose 10% of their monthly income as their baby**. In the future, the accumulated ** will be used as the child's long-term education expenses.

4) Use 20% of the couple's salary as a risk reserve fund in life. When there is an emergency, it can solve the urgent need.

Hello! There are many products suitable for financial management, in addition to bank fixed deposits, they also include bonds, credit cards, investment, insurance and wealth management. It is recommended that you should consider the specific product, your own needs and financial ability.

In general, the basic steps that should be followed in investment and financial management are:

1. Clarify financial goals, find out financial gaps, reasonably set goals, clarify the gap with goals, and take into account short-term and long-term goals.

2. Self-test risk tolerance, reasonably plan the asset allocation portfolio according to your own risk tolerance to determine the asset allocation portfolio, and the risk is from small to large: deposits, bank-entrusted wealth management products, bonds, **, **.

3. Select appropriate financial products and investment methods, and determine the investment varieties and allocation ratios according to the asset allocation portfolio.

If you are afraid of risk, it is a long-term investment. When the 5-year interest rate is higher than above, it is better to make a 5-year time deposit. If the 5-year deposit rate is lower, consider bonds** or currencies**.

If you are able to take some risks, it is recommended to allocate a certain number of indexes**, such as the CSI 300 Index**. Of course, these ** are risked by losses.

Also, don't neglect personal insurance, such as accident insurance, critical illness insurance, etc.

For a more detailed financial plan suitable for your family, it is recommended to consult a bank wealth manager who is really familiar with the business of wealth management (rather than fooling).

In the current situation, you should plan for your child's reading, learning, and growth in the future. On the other hand, pay more attention to some financial news, or learn more about some financial products ...... higher than bank deposit interest rates

Buy points**, save points, buy some currency**. Half on a regular basis. Others can be put on**, do some robust operations, and now** is still okay.

Do you want to learn to do the simulation of *** investment, and play until you are interested in investing again.

The most popular financial management right now is: P2P financial management.

First of all, use the bookkeeping application as a consumption plan, and no longer be a blind consumer;

Then make compulsory savings, for example: you must deposit 1000-1500 yuan per month and put it in a reliable P2P platform;

After that, you will make a regular investment every month in strict accordance with your own financial plan.

You can choose a platform according to well-known venture capital, which is currently the most convenient way. There is no best, only better, for an asset allocation and diversification, more strategies can be found in the "Wealth Diary Column", which is very suitable for your current stage.