Long term financial plan, how to make a long term financial plan

If there is such a wealth management product that can guarantee a stable growth rate of 10% for many years, then the bank will close its doors... According to your situation, you can go to the bank to do the fixed investment, save worry and effort, which kind of ** to buy depends on your risk tolerance, the risk of high rate of return is large, and the return of small risk is also low. The insurance company has financial insurance, pay a certain amount every year and then return it to you once too much, the income is stable, and the yield in the past few years is 4%-8%, which can also be considered.

Investment, the less risky is ** (fixed investment), although the return is not large**, it is best not to touch, no different from gambling.

Buy lottery tickets every day, not too much, it's your turn to always be yours, just one or two.

Or deposit it in the bank and compare the profits.

You can buy insurance, you don't pay a few hundred yuan a month to go in, and it will be a lot of money in the future, and you can use this money to buy a house, buy a car, and so on.

Don't use a credit card.

Start keeping accounts every day, you should buy what you should buy, luxury, and stick to it for three months to form a habit and save a lot of money.

You still dare to think, I have 6%, do you want to hear it?

As the saying goes, "if you don't manage money, money doesn't care about you", you have to manage money when you have less money, focus on saving when you have less money, and focus on investment when you have more moneyHuichacha suggests that everyone should also pay attention to the way of investment and financial management, rather than blind investmentTo know that investment returns and risks coexist, you should choose the appropriate portfolio investment method according to your own toleranceIt is also necessary to have the right concept of financial management:

1. Real wealth may be outside of wealth, but it must go through the process of wealth creation to understand this.

3. To solve the psychological problem of self and money, we must start from the source of money confusion, and calmly smooth the relationship between ourselves and money, including the position and role of money and wealth in financial management. Potatoes rot.

4. Find a way that suits you in a lot of study and analysis, including both traditional methods and necessary innovations.

5. Fully allocate tradable funds, pay attention to risk management when investing, set stop losses, and understand the principle of survival first and profit second.

From the perspective of individual investors, if you are a newcomer, you should especially correct your mentality, consider more risks, try to be rational, and do not have too many subjective wills. When you raise your hand to travel to **, don't think about it in a good direction with self-righteousness, that's just self-deception. Never**go as you envisioned, only you follow** the trade.

To trade, mentality is the foundation, to be able to clearly understand yourself and control your behavior and emotions, on this basis to continue to learn and study, only hard work and practice in order to gain a foothold in this market.

There is a way to choose financial products, and according to the length of investment time, financial products can be divided into short-term, medium-term and long-term investment. Similarly, financial planning can also be categorized according to the length of time the plan is set. The most common financial plan in life is a monthly plan or a weekly plan.

Have you ever made a day plan? Although the financial day plan may seem trivial, it is true that the supplement and refinement of the monthly plan and the weekly plan can help us implement the macro financial plan more practically. The question of how to tailor a set of financial plans for yourself will be skipped here, and we will explain the specific financial day plan with strength.

Case study

Xiao Zhang is a salaryman who has been employed for two years, and his monthly salary is 3,000 yuan. At the beginning of the month, Xiao Zhang planned to buy a rice cooker for his family, and the estimated expenditure was 300 yuan. Xiao Zhang's monthly rent is 1,000 yuan.

Let's say he goes out with friends on a Saturday, how much money can he spend on that day?

That's a question of how to plan for a financial day. Generally speaking, in order to save the energy of making a financial day plan, try not to do unnecessary useless work, and the day plan can be copied in many cases. For example, the financial day plan for every low-cost weekday without special consumption needs can be replicated, and the daily expenses such as grocery shopping expenses and car fares will not change much every day.

Special attention should be paid to days with special consumption needs, such as travel consumption during small holidays such as Qingming Festival and Labor Day, and dinner expenses on weekends. At this time, you can make a financial plan in advance according to the following recipes.

Echo the monthly plan before and after

When planning for the financial month, it is best to divide the weekend expenses and weekday expenses into two parts, and divide the funds according to each component when picking out holidays. The basic living allowance should always be arranged only for weekdays, not weekends and holidays. The cost of the holiday is usually double or even higher than the usual spending, depending on the situation.

A short outing is usually arranged on the weekend, and how much you expect to spend should be roughly grasped when making monthly plans. There is also a basic budget for what kind of level you plan to achieve for a small and long vacation.

Prepare 1 3 basic living expenses for first aid

This part of the funds is for the needs of their own living families from time to time. After straightening out the plan for the previous month, the financial day plan will be a matter of course. Let's take Xiao Zhang's weekend financial day plan as an example, weekend expenses are not included in the basic living expenses, but are divided from the additional weekend**.

If you have a weekend** of $800 for a month, the average amount of money you can use for that weekend is $200. And then trace back to the source, what can you use the 200 yuan for in two days? A good dinner, the day plan of the one-hour badminton long holiday in the gymnasium is similar, but more attention is paid to the internal adjustment of consumption for a few days.

How should I make a financial plan for myself?