Looking for a family financial plan? What makes a family financial plan reasonable?

Hello, like you, if you want to make a long-term investment, you can choose ** fixed investment, about 500 yuan per month, 10 years, the approximate yield can be stable at about 20% per year, or relatively safe.

In the short term, you can choose some bank wealth management products, at present, the annualized return of 1-year products can be about 1 year, and about 3 years.

In addition, I don't know if you have heard of the model of the online lending platform, this is also the way, the income is relatively good, the annualized rate can reach about 5 7%, but there will be some risks, you can take a look at this model, and now the more perfect should be everyone's loan.

Hope it helps.

Your monthly family income is 8,000 yuan, and you can take out 1,000 yuan per month for insurance and financial planning

This seems to be related to the consumption level of the city, if it is okay in the second and third tier cities, you can do **fixed investment or often hold two good performance**, and then squeeze out a few hundred yuan per month to do a lump sum withdrawal, and the house can be rented. But in the first-tier cities with high consumption, Yali is still very big!

First of all, tell me if you are looking for big returns or stable returns? When will you need a large amount of cash flow in the future, that is, when is the estimated time point of your realizability requirements after asset allocation?

It's a principle that varies from person to person! Safety first, benefits second, at your own risk!

Hello friends can take a part of the deposit in the bank in case of emergency, take a small part of the relatively stable investment, take a small part of the return of the relatively high return investment, ** than recommended you to do, according to statistics in 2011 national statistics Chinese stockholders average loss of 60,000 yuan, unless you are an old stockholder with many years of experience can try it, it is recommended that you choose to do some financial products, the threshold of investment is low and the risk is relatively low, the general rate of return are more than 15%. If you have the opportunity to understand, there are many of them who are engaged in investment and financial management.

Save your salary, save what you should save, and don't spend lavishly.

If you have a deposit, you can plan to do some financial management, you must combine financial planning, if you don't have a deposit, you have to work hard from income and expenses, that is, any net income that gets a net income and a net value every month to make investments, combined with consumption at what time, what to do financial planning in batches!

Here are some financial knowledge that ordinary people should know:

1.It is recommended to take out a part of your monthly salary as a saving and stick to it for a long time.

2.Learn about different savings and investment tools, including fixed deposits, currencies, currencies, and more, and choose the right investment method according to your risk tolerance and needs.

3.Create a budget and financial plan to allocate income and expenses wisely and avoid waste and overspending.

4.Avoid relying on consumer credit, control credit card usage, and avoid high-interest debt.

5.Insurance is a necessity, understand the different types of insurance and purchase appropriate repudiation coverage.

6.Pay more attention to the national and world economic situation, pay attention to monetary policy, **, real estate market, etc., which will help you with your financial planning.

7.Learn financial knowledge, understand the tax system and preferential tax policies, and avoid taxes legally.

8.Carefully consider financial risks and uncertainties, and do a good job in risk assessment and risk management.

<>1.Create a budget: Creating a detailed budget can help you understand your income and expenses and keep your spending under control. You can use an e** or budgeting app to help you negotiate your budget.

2.Saving: Every household should have emergency savings. You can try putting 10% -20% of your monthly income into an emergency savings account. When you encounter an emergency, these funds can help you cope.

3.Debt management: If you have debt, try to pay it back whenever possible. When you reduce your debt, you can manage your finances more easily.

4.Investing: If your financial situation allows, you may consider investing. You can choose to buy**, bonds, **, etc. However, please note that investing is risky, please carefully assess your risk tolerance before investing.

5.Regular assessments: Regularly assess your finances, check that your budget and spending are in line with the plan, and make appropriate adjustments.

In conclusion, family finance takes time and patience. However, if you are able to develop an effective plan and stick to it, you will be better able to manage your finances and achieve better financial results.