Family Financial Advice 5, Family Financial Advice

Do you mean that utilities are included, assuming they are not?

The current monthly balance is 6000

If you give your baby a regular investment in education**, given that you are a conservative type, you can invest in a bond type**, with an annualized income of 7%, 2000 per month, and about 1 million after 20 years should be enough.

If you buy a house, this part depends on how big the house you buy and what specifications there are, and there is no way to help you calculate. It is recommended to use the CPF loan and pay a part of the down payment by yourself, and then repay the loan on a monthly basis, your income is still enough.

The really important financial advice, one is your baby's education** fixed investment, set aside for college and abroad, and the other is that your money can't be saved all on a regular basis. It is recommended that about 15% is used to do some**or**investment, and the proportion of 15% is relatively low.

Also, you only have basic social security, because you and your lover are the breadwinners of the family, it is recommended to go to the insurance company to make up a commercial insurance for critical illness and accidental death, which is 1,000 yuan a year.

Hello, your description is very clear, a family of five has more than 10,000 points per month in addition to expenses (including the retirement salary of the second elder). My suggestion is: 650,000 regular immobilization, 50,000 current can be withdrawn half of the financial investment, first take a steady step, after a period of time to observe the investment effect and then talk about the following.

You can consider ** wealth management, ** as a hedging product, but also the best financial product, no matter when it will not be outdated.

First of all, you and your lover do an insurance, it can be income-based (the kind of dividend insurance with additional critical illnesses and accidents), and then look at your plan, if the purchase of a house occupies a large amount of funds, then take out about 30% of the remaining funds for financial management, **, bonds can be, of course, you have to choose a more stable, given that you are a conservative investment, it is best to find a low annual income but can protect the capital, so that at least you can maintain the value.

Depending on how much money you have, it is recommended to buy some houses with more money, and the house is still relatively valuable in value preservation and appreciation over the years, the second is to adhere to the principle that eggs cannot be in one basket, and the third can be appropriately invested in a high-risk, high-yield financing project.

Tian'an is full of blessings, for example, if you save 10,000 a year, return you 5,000, which is equal to your payment of 5,000 a year, and a month is equal to paying, the key is that it also has a Jin Ruyi account, and the 5,000 returned to you is directly into your Jin Ruyi account, if you don't take it out, the interest guarantee of the Jin Ruyi account is 3, and the current is 6 higher than the bank, that is, the interest of 10,000 yuan a year is 630

Family financial management is to use the principle of increasing income, saving expenses, and using the most reasonable way to achieve the economic goals that a family hopes to achieve.

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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If your expenses are less than your income, you will accumulate something, and you can invest part of it**, part of it for insurance, and part of it for real estate. Daily family financial management with a notebook is enough!

Household financial management is an economic activity that manages one's own wealth and thus improves the efficiency of one's wealth. Du financial management is also the zhi of capital

The scientific and rational operation of principal and liability assets. Generally speaking, financial management is the way to make money, save money, and spend money. Managing money is all about taking care of your money.

From a technical point of view, family financial management is to use the principle of open source and reduce expenditure, increase income, save expenses, and use the most reasonable way to achieve the economic goals that a family hopes to achieve. Such goals can range from adding household appliances and equipment, traveling, buying a car, buying a house, saving up for children's education, and arranging for life in retirement in old age.

From the overall perspective of family financial planning, it includes three levels: first, setting family financial goals; secondly, to grasp the current income and expenditure, assets and liabilities; Finally, how to use investment channels to increase family wealth.

Conceptually, the so-called family financial management is to learn to handle and use money effectively and reasonably, so as to make the most of your own spending.

The maximum utility is used to achieve the purpose of maximizing the satisfaction of daily life needs. In short, family financial management is to use corporate financial management and financial methods to plan and manage the family economy (mainly family income and expenditure), enhance family economic strength, improve risk resistance, and increase family utility.

Family financial management is an economic activity that manages one's own wealth and thus improves the efficiency of wealth. Wealth management is the scientific and rational operation of capital and liability assets. Generally speaking, financial management is the way to make money, save money, and spend money. Managing money is all about taking care of your money.