What does dream banking look like?

First, set financial goals. There should be many considerations for this, first of all, this financial goal should be quantified, for example, to buy a house, is this a financial goal? It's not.

How much is a house worth to buy, whether you want to buy a house in three years, or whether you want to buy a house next year, this is a financial goal, that is, to quantify, to have a concept of time. At the same time, you can also imagine what it would be like to live in this house, which will help you achieve your desired goals. A true financial goal is a quantitative, time-bound goal.

Second, review your assets. What is a review of the status of an asset? It's to see how much money you have.

One is how many assets you have in the past, and the other is how much income you will have in the future, which all belong to the category of how much money you can manage. Look at whether your assets meet your own needs, whether your assets and liabilities are reasonable, and whether you can also use some financial leverage to make your financial structure more reasonable, which is a review of the asset situation.

Third, understand your risk appetite. Some people say that you are a very conservative person, and some people will say that you are a very aggressive person, how can you properly evaluate your risk appetite? There are three methods, first of all, consider your personal situation, whether you have a family, whether you have a supporting population, and how much your expenses account for your income.

If you have a child, your investment behavior is still very aggressive and very risky, which can only mean that you do not have a clear understanding, because the family responsibilities to bear are no longer the same. Second, consider the trend of investment. For example, you are very good at **, you are a very aggressive person in terms of investment, and so on.

Finally, consider the orientation of the individual's personality. People with different personalities will make completely different choices when facing some things, and their personalities also determine what behaviors people will have in the process of managing their finances.

Fourth, make reasonable asset allocation. This asset allocation is strategic, and it is an asset allocation made in a very rational state. For example, from a strategic point of view, only 30% of the assets should be used as a ** investment, no matter what others say, it will be fixed at 30%, and 20% of the assets will be placed in the bank, which is a strategic asset allocation.

Fifth, manage investment performance and make adjustments according to market changes. Arrange the money in your pocket wisely.

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First, the "rule of thirds" of income

After the monthly income is in hand, don't be in a hurry to spend it, first divide them roughly into 3 parts, of which:

1. Living expenses account for 1 3: that is, necessary expenses such as rent, water and electricity, communications, firewood, rice, oil and salt, etc., no matter what, it is necessary to ensure that this part of the money is not used passively.

2. Savings account for 1 3: Deposit in the bank, and try to use as little as possible when there are no special expenses.

3. Activity funds account for 1 3: The remaining part can be used more freely according to your current life goals, such as travel, shopping, gatherings, etc., or investment.

When saving money and earning money go hand in hand. Let's first estimate the money you will make from selling your house, do you have a provident fund, or is it a full amount, a commercial loan. Calculate how much money you have for a down payment and how much you need to pay for a later loan.

You do the rough math, and then calculate the down payment, and the next step is to start saving money, investing in financial management salaries, and giving out more money every month. There's a number. Then plan it down.