What is a suitable financial plan for our family with a monthly income of 160,000 yuan?

I hope you don't confuse financial management with investment, they are two different concepts, financial management is to keep your property from depreciating, preserving, or being able to increase its value, while investment is to take a certain risk to pursue considerable returns. Since you plan to buy a car in two years, you need to protect your existing property so that it does not lose money. At present, the national and international economies are in a state of instability, the domestic economy is slightly better, inflation is relatively high, and the reserve requirement is relatively low.

China's ** has not yet rebounded, but it is very likely to ** rise, even if ** will not fall a lot, because China's current economic situation is only a moderate slowdown, that is, the development is slightly slower, **After several years of bear market combined with fundamentals, there will soon be a possibility of reversal. The fundamentals are over, let's talk about how to distribute your money, in my opinion, you can deposit some funds for two years, not too much, a quarter is enough, and then buy two**type**, don't spend too much money, two months' salary looks OK, now **in a more position**managers** will take care of you, and then configure some currency by yourself**, and the rest of the money is a small deposit and withdrawal. If the economic situation is good in the future, there will be certain gains, don't think about making a lot of money, just take care of the money you have, and I wish you to buy a car as soon as possible.

Be aware of the risks and be more informed.

Six Habits to Develop in Managing Money Habit 1: Keep a record of your finances. If you can measure, you must be able to understand, and if you can understand, you must be able to change.

Without consistent, organized, and accurate records, a financial plan is impossible. Therefore, it is necessary to keep a detailed record of your income and expenditure at the beginning of your financial plan. A good record can enable you to:

1. Measure your economic status——— which is the basis for making a reasonable financial plan 2. Effectively change your current financial behavior 3. Measure the progress made close to your goals In particular, you must also establish a file to keep financial records, so that you can know your income, net assets, expenses and liabilities Habit 2: Clarify your values and economic goals Knowing your own values can establish economic goals that are clear, definite, real, and feasible. Without clear goals and directions, you can't make the right budget; If you don't have enough reason to discipline yourself, you won't be able to achieve your desired goals in 2, 20, or even 40 years Habit 3:

Determining Net Worth Once the financial records are in place, it is easy to calculate net worth——— which is how most financial experts calculate wealth. Why do you have to calculate your net worth? Because only by knowing your annual net worth will you grasp how much you are moving towards your goal Habit Four:

Know how much money you earn and how much you spend Very few people know how they spend their money, or even how much they earn. Without this basic information, it is difficult to make a budget and rationally arrange the use of money, and it is not clear where to spend money, so it is impossible to make reasonable changes in spending Habit 5: Make a budget and implement it with reference Wealth is not about how much is earned, but how much is left.

Budgeting may sound boring, tedious, and contrived, but you can find out where a large amount of money is going in the little things you spend on a daily basis. In addition, a specific budget is very good for us to achieve our financial goals Habit 6: Cut down on expenses Many people complain at the beginning that they can't invest more money to achieve their financial goals.

In fact, the goal is not achieved by a large investment. Cut back on your expenses and save every dollar, because even a small investment can bring a lot of wealth, for example: save an extra $100 every month, what is the result?

If you start investing at the age of 24 and can get an annual profit of 10, you will have 20,000 yuan at the age of 34. The longer the investment, the more obvious the effect of compound interest becomes. Over time, the profits from saving and investing have become even more apparent.

So the earlier you start and the more you save, the more the profit will multiply.

Why don't you invest in your own business, and you want to buy a car with that little money! Think about it!

Buying an economy car before June 2010? Bought it? It is possible to take out a loan to buy a car.

Buy some financial insurance, a good choice!

Personally, I think that if you really want to choose a platform according to the ranking of financial management companies, the top 200 can be considered. There are still more than 2,000 platforms in the country, and 1 10 is considered a safer platform to pick out 1 10 from the screening probability. Personally, I will consider three dimensions from this, one is that you can choose the top 10 platforms, which are relatively bullish in terms of strength, and the low income can at least protect the capital.

The second is to choose a platform with higher income but mortgage loans, and the repayment is guaranteed, such as enterprise loans. The third is to choose a platform with more short-term projects, and the funds can come out when they are urgently needed. Anyway, it's your own money, so you have to put more thought into it.

After deducting living expenses, utility bills, and pocket money, how much money is left over to consider what portfolio is better and more profitable.

It is recommended that you manage your money through banking channels. At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

It is recommended that you go to the outlets of China Merchants Bank to consult the relevant advice of the wealth manager.

Here are some suggestions for distributing your salary to help you improve your financial skills and achieve financial freedom:

1.Set financial goals: Set short- and long-term financial goals, such as savings plans, investment plans, and loan repayments1so that you can better plan your income and expenditure.

2.Create a budget: Create a monthly or weekly budget plan based on your income and expenses to ensure that your income and expenses are balanced and that you reduce unnecessary expenses.

3.Saving: Contribute a percentage of your salary to an emergency provision, retirement plan, or other long-term savings plan each month. The general recommended savings ratio is 10% to 20% of income.

4.Investment: Choose appropriate investment methods, such as **, **, bonds, real estate, etc., and allocate the investment ratio appropriately according to your risk tolerance and financial goals.

5.Debt Repayment: If you have debts, you should prioritize repaying high-interest debts, reducing interest expenses, and paying off debts early.

6.Manage spending: Manage your spending by using coupons, lowering your cost of living, avoiding overspending, and more so you can have more control over your spending.

7.Learn financial literacy: Actively learn financial literacy, enhance your financial management skills, and better manage your finances to achieve the goal of financial freedom.

The most important thing is to be consistent with your financial plan and constantly adjust and improve it to suit different situations and needs.

Here's how I divide it:

The monthly salary of 10,000 yuan is distributed in this way, not only will not reduce the quality of life, but also can save 1 million steadily, how is this done?

First of all, it is essential to have a plan to manage money, and as soon as the salary arrives, I will divide the monthly income into 3 parts:

1. I will take out 35% of the money I want to spend every month as daily living expenses and put it into the necessary account for fixed expenses such as rent, water and electricity bills, and three meals a day. As for this part of the money, I personally am strictly stuck, never overspend, and at the same time, I do not save too much, so as to ensure that my quality of life will not decline.

2. After the money is generated, I will take out 15% of it to invest in this financial management, focusing on the pursuit of income, which has a certain risk. Take out a small part of it every month and fix it on Alipay to make **regular investment:

3. Steady appreciation of money.

So, I'm going to save 50 percent of my salary and force me to save.

Because from ancient times to the present, the most common way to get rich is to start with savings, make profits from business, and finally gradually expand wealth.

First, a portion of your paycheck is deposited in the bank as regular savings. This money can also be used to save in case of emergency. Although the current inflation rate indicates that bank savings have negative interest rate returns, bank savings are readily available and stable.

A fixed part of the salary is deposited in the bank every month, which can accumulate a lot and can also form a good habit.

Second, invest in online loans. Although many people think that online lending is risky, in contrast, investment through online lending platforms such as Huifubao has relatively stable returns due to the pre-agreed interest rate, and the overall average rate of return in the past five years is about 20%. Compared with margin trading products such as **, the risk of online loan investment is moderate, and through diversification, the risk is completely within the tolerance range of ordinary people.

Third, risk appetite can take a portion of the money to invest**. In recent years, the market is not very good, the market is large, and investment is risky. You can entrust more experienced and relevant knowledge of friends to help you invest, if you are not at ease, you may wish to deposit in the bank to make a small deposit, the interest rate is higher, you can also force you to save money.