Family Banking How to manage your money and what should you do about family finance?

1.Do a good job of insurance first, life insurance and health insurance are the first choice. Double Ten Principle: The premium is 10% of the income, and the sum insured is 10 times the income.

2。Set aside 3-6 months for living expenses. If there are other places where you often need money, you can also keep more.

3。If there are any life goals that need to be met in the near and long term, clean up. Ready to implement. Such as parenting, education, marriage, studying abroad, etc. Buying a house is also a big expense, and you have to come up with money to repay the loan before the investment.

4。If there are small and medium-sized enterprises of their own, do a good job of reasonable tax avoidance for enterprises. If not, calculate your own personal income tax for reasonable tax avoidance.

5。The rest can be invested, and the direction of investment is recommended**, **by **type**, bond type**, currency**, and some other special varieties**, such as art**, red wine**, you can pay attention on the basis of familiarity in the future. If you are a young person and a conservative person, it is recommended that your bond type ** can reach 45--50%, and the rest of the investment is **sex**, you said that you are not good at accumulating money, then use the method of regular investment, but don't worry, there are some temporary losses Don't be afraid, the harvest of financial management is achieved by time and compound interest, I believe that expert financial management and believe that China's economy will rise for a long period of time.

This is the basis for our financial income.

If you are a person with a firm personality and dare to take risks, you can increase the number of **** by 60-70%.

6。Now is the time when the stock index is down, and it is also the time to enter the market. Buy some books to see, learning is very important, financial management is your own life's business, others are not as good as you know yourself, your own participation can better take care of personal property, but also to improve the value of life.

After middle age, you also need to consider the issue of property inheritance.

7。What you are given is a relatively complete basic financial plan or principle, on the basis of which you can distribute your property, and it is never too late to start financial management. Over time, perseverance will pay off.

1 I feel that you are not very high in your local consumption level, and your income is medium-income. Therefore, it is recommended to do a good job in risk management and expenditure first, you can buy some insurance, the double ten principle: the premium is 10% of the income, and the insured amount is 10 times the income;

2 Set aside about half a year for living expenses, 3 If you have a baby, you should properly plan your future education expenses, whether you go to school in China, or study abroad, studying abroad requires a higher cost, you should lay a foundation for it, you can set aside a part of it to buy education insurance, you can also make a fixed amount of savings ......

4 Take a look at your near-term ideals, including car, house, travel plans, and the like.

5 Your cash planning is not very in place, first of all, you must have a comprehensive financial management of savings, consumption, and investment. In this way, the financial burden of the family caused by blind investment can be avoided as much as possible. It is recommended to invest and save with little risk, including deposit savings, bonds, money market ** and other investments with less risk and good returns, and it is not recommended to invest on a large scale ** or **type**, I wish you an early realization of financial freedom for your family.

The three links of financial management.

1. Save money: Earn one and spend two for the rest of your life to be poor. Forcing 10% of the money to be deposited in the bank a month, many people say that it cannot be done.

So if your company is not doing well, and the boss wants to cut expenses and give you two choices, the first is to fire you and compensate you for two months' salary, and the second is to reduce your salary from 1,000 yuan to 900 yuan, which plan can you accept? 99% of people would be able to accept the second option. Then you make a forced savings for yourself, and after sending the money, you will directly deposit 10% of the money in the bank, and if you don't take this step, you will never have money to spend.

2. Make money: **, **, bonds, real estate.

3. Protect money: There are unforeseen circumstances, and no one knows what will happen, so you must buy insurance for yourself, insurance is an important means of financial management, but not all. Making money is like digging a well to feed your reservoir with a steady stream of water, but it's not enough to just dig a well, you have to build a dam for the reservoir – accidents, hospitalizations, serious illnesses.

Because of the example of driving into someone and going bankrupt. Example of airplane: I sometimes need to fly for work, and every time the plane takes off and lands, I fold my hands, I don't believe in anything, I just feel that my life is in my hands again, because I don't know what will happen in heaven.

So every time I take a plane, I buy 88 yuan to cover 500,000 yuan of accident insurance, which is the love and responsibility for my family.

Financial management solutions cannot be made with only limited data.

1. Understand your economic situation, consumption status, and other income and expenditure status and recent economic situation;

2. Establish your financial needs and goals;

3. Make a financial plan according to your risk tolerance, property, future economy, etc.;

Fourth, regular correction, generally speaking, it should be adjusted once every 6 months!

The most important solution you need now is to make a regular investment or monthly fixed deposit plan to save money!!

This is simple, 2000 yuan is enough for your own home, financial management depends on having fixed assets to maintain cash flow 4000 fast investment ****, if you are inexperienced, you can maintain a proportional quantitative investment in treasury bonds, the yield is considerable, much stronger than depositing in the bank.

About 2,000 per month for basic living expenses (clothing, food, housing, transportation, study, etc.), and about 1,000 for emergency use. Another 3,000 can be saved, but better is used for installment store purchases. The shops can also be used for rent, circular development.

Cut out unnecessary expenses, save some money first, and then invest based on that money.

Go to the financial China network financial channel will recommend how to manage money in detail every day.

There are many family investment and financial management concepts and channels, among which people generally follow the law of the financial pyramid. The reason is: the bottom is wider and more stable, which is the cornerstone of establishing financial planning, including financial products with less risk, such as savings, insurance, treasury bonds, etc.; The middle level is a wealth management product with a medium level of maturity, risk and return, such as corporate bonds, financial bonds, preferred stocks, various types of ** and so on; The top is narrow, and the investment funds are not much, but the family investment and financial management bear more risks, and the returns are relatively high, such as **, **, etc.

The specific asset allocation ratio depends on the age of the investor, the stability of income, the size of the capital, the expected investment period, the tax policy, the liquidity needs, etc.