Family Finance Explained!! Family financial management Please help analyze it, thank you!

Divided into two parts, one part is for the monthly salary, according to the monthly expenses of the family, and the rest can be made as appropriate** or fractional deposits, with both risks and returns, and the expected returns of regular investment** are much larger than those of fractional deposits, but the risks are also greater. The benefits of these two are mandatory deposits and can bring certain returns. Among them, let's talk in detail about the fixed investment**, at present, the bank has, generally will carry out a **portfolio, choose 3-4 different types of **, which in order to share the risk equally, will contain a **, ****, bonds** and hybrid**, in which the risk from large to small is**, hybrid, **, bonds.

**and hybrid** is to increase the yield. The fluctuation is mainly related to the international economic form, war (when there is a war, the price of gold will be **), so the ** in the portfolio and several other ** are not very related, which plays a role in reducing risk. Bonds** are the most stable of them all and are used to reduce risk.

It is recommended that the time of monthly regular investment be set on the second day of salary payment, so as to reduce the idle funds, and the bank will automatically deduct the money at that time.

The second part is your household savings of 50,000 yuan. Individuals recommend bank entrusted wealth management products, mainly the bank with its own capital pool to operate, risk and bank credit linked, the promised expected return is generally higher than 5 years of time deposits, and most of the product cycle is shorter days), strong liquidity, although the bank will tell you that this is also risky, but generally unless the bank itself has a problem, basically can achieve income. Moreover, the minimum purchase amount of bank entrusted wealth management is 50,000 yuan.

You can buy currency** Currency** is very low risk compared to **** Now the return is not bad.

Save 40% of your salary every month, and then deposit it in the bank and wait for the depreciation, it's as simple as that.

Hehe, you're too strong, just write about family finances, nothing else, you ask someone to help you analyze something, at least the current situation of the family should also have.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

Ms. Zhong is 26 years old and works in sales in Yibin City, earning 2,500 yuan a month, having an accident insurance policy and paying a premium of 3,000 yuan a year. Ms. Zhong's husband is 27 years old this year, with a monthly income of 2,600 yuan, a critical illness insurance with additional hospitalization medical insurance, and an annual premium of 5,000 yuan. The annual family year-end bonus is about 20,000 yuan, the son of the two is now 3 years old, and the family has purchased education insurance for him, with a payment period of 15 years and an annual premium of 5,000 yuan.

Ms. Zhong's family has a monthly daily living expenditure of 3,000 yuan, and the annual premium expenditure is 10,000 yuan. At present, there are cash and demand deposits of 50,000 yuan, and a set of 400,000 yuan for self-housing. Ms. Zhong's financial plan is to prepare her children for college and study abroad, buy a family car of 100,000 yuan two years later, and make some steady investments to obtain a higher return on investment.

Dai Bo, a financial planner at Yibin Agricultural Bank, said that from Ms. Zhong's current actual situation, she and her lover's work and income are relatively stable, with a current monthly income of 5,100 yuan, an expenditure of 3,000 yuan, a monthly savings amount of about 2,100 yuan, a monthly savings rate of 41%, and an annual year-end bonus of 20,000 yuan, an annual premium expenditure of 10,000 yuan, an annual savings of 32,200 yuan, an annual savings rate of 40%, and a high savings rate. Ms. Zhong can tolerate certain investment risks and belongs to the group of medium and high-risk tolerance. "In addition to Ms. Chung's own financial requirements, I also suggest that Ms. Chung should also consider other financial goals, such as emergency expenses and improving family protection.

Dai Bo said. Dai Bo said that at present, Ms. Zhong and his wife can use the planned funds for 50,000 yuan in bank deposits, 2,100 yuan in savings per month, and a bonus balance of 7,000 yuan at the end of the year. First, it is recommended that Ms. Zhong and her husband purchase an insurance amount of 200,000 yuan, a term of 20 years of term life insurance and an annual insurance expenditure of about 1,000 yuan, as mutual beneficiaries, to enhance the ability to deal with risks, this part of the funds directly from the bonus balance at the end of the year.

The second is the emergency reserve of 18,000 yuan. It can be withdrawn directly from the current bank deposit balance of 50,000 yuan, which can be configured in the form of current or currency** according to needs. The third is to spend 100,000 yuan on the purchase of a car after 2 years.

The remaining 32,000 yuan of bank deposits will be invested in bond**, and the monthly savings of 2,100 yuan will be used for bond** fixed investment, and 6,000 yuan year-end bonus **bond**, assuming that the annualized return is about 4%, two years later, the net value of bond** is about 99,280 yuan, which can meet the requirements of buying about 100,000 yuan of cars.

Fourth, the future son's education fund is prepared and obtained higher returns. After 2 years after the goal of buying a car is achieved, the monthly savings of 2,100 yuan will be used for **type** fixed investment, and at the same time, the balance of 6,000 yuan year-end bonus will be ******, with an expected annualized income of 8%, when the son is 18 years old, the net value of this part of the funds is about 775,820 yuan, which can be used as an effective preparation for his son's future education.

The so-called financial management, I follow the principle of "1 3 consumption, 1 3 investment, 1 3 bank".

Consumption, including daily expenses, personal accidents;

Investment, such as **, purchase of real estate, partnership and other risky projects that want to make money;

Banks, including long-term deposits and savings for value-preserving items, etc.;

As for you, if you manage your money in this way, your distribution is:

Consumption: 50,000 yuan, including: parents 10,000, daily expenses, children, travel, and others;

Bank: With 40,000 yuan, including: children's education**, your couple's life insurance (returned after retirement) ......

Investment: With 50,000 yuan, you can invest according to your vision, as the saying goes, let money make money, even if you lose, you can afford to lose.

In addition, it is recommended that you put the 600,000 yuan house and let him regenerate the money ......