What are the best family financial plans?

Recommend the scientific 4321 financial management rule.

You first need to know what financial management is.

Wealth management ≠ investment.

Wealth management is to keep your existing assets from depreciation, loss or loss.

Investing is about creating the wealth you want.

Generally speaking, it's about securing what you have first, and then creating what you want.

Not all money can be invested. Even if you lose money, it will not affect you much, so you can use it to invest.

Financial management is the opposite, if you lose money, it will have an impact on your life, so it is best to do low-risk and risk-free financial management.

Don't put your eggs in one basket, reasonable insurance protection can keep your wealth from being lost.

I am the best financial product of Ping An, you can ask me if you have any questions, and I will be happy to help you answer. I can recommend some good financial products to you.

Ping An Integrated Financial Group of China now ranks first in terms of total assets of more than one trillion yuan. It includes insurance, banking, and investment. In 13 years, the total profit of the insurance industry was 46 billion, and Ping An of China accounted for 100 million, accounting for almost half.

There are many kinds, **ah, ***, currency, etc.

One, you're working for a home.

When the court provides financial security planning services, it is first necessary to identify the family member"Risk attitudes"with"Risk tolerance"。

Risk attitudes can be divided into three categories:

1. Risk-averse; 2. Risk-neutral; 3. Risk-seeking type.

At the same time, you should analyze the limitations of rational thinking on risk judgment, including psychological factors and objective law factors. Properly assessing a client's risk tolerance will not only help improve client relationships, but also reduce the likelihood of being sued by a client for the actual benefit being lower than expected. To do this, you can design a Financial Risk Tolerance Questionnaire.

Second, you need to help the family analyze the risks it will face in the future.

This"Risks"The following sections are included:

1. Personal risk of family members;

2. Risk of loss of family property;

3. Risk of loss of family liability. In the second step, you can also design a Risk Identification Questionnaire. Of course, to assess these risks, you have to quantify them, you have to get the same opinion with the other party, and you have to make the client very much agree with you and your expertise.

3. Give the family a piece of advice, of course, one or more insurance plans, and make a professional explanation.

Fourth, to provide practical services. Roughly like this, I will consider these specific questions, of course, I can make professional explanations for each link, but I believe you can do it!

Everyone has financial needs, so how can you do a good job in personal finance? First of all, you should set up the right version.

Financial management concepts. Right. Financial planning is a long-term project, and it cannot be achieved overnight, nor can it be achieved overnight; Asset security should always come first.

position, profitability is placed in the second place; Consumption should be done within one's means, and do not blindly borrow money for consumption, so as not to cause"Payment crisis"；It is necessary to have a strong sense of risk, and to reasonably divide high-risk investments (**, industry) and basic family living security (savings, insurance, real estate, education), and not to affect the family's living standards and cause family financial crises because of excessive investment. With the correct concept of financial management, you will maintain a good attitude in the process of financial management, which is conducive to achieving your financial goals. From Tongtianshun Family Financial Planning Service Network.

In terms of consultation, you can take a look at Quickloan, which has a variety of detailed instructions.

Adults first, children second, risk transfer first, then financial management. It's good to distribute it reasonably.

Divide the family's funds into three parts: one is the emergency fund in case the family needs it. The liquidity of this part of the funds should be relatively strong and can be used at any time; The second is life-saving funds, which must not be used for investment, and the safety of funds must be ensured; The third is idle funds, which can be used to make some financial investments to obtain higher returns.

In order to achieve sound financial management, the most important point is actually to "always only use spare money to invest", because only spare money can bear the risk, because even if the investment fails, it will not affect the normal life of the family, so as to minimize the impact of the risk.

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 visit our branches to consult the relevant advice of the wealth manager.

1. Cash planning: mainly plan for our present and future cash needs to ensure that we have an appropriate amount of cash in hand.

2. Consumption expenditure planning: planning of consumption level and structure, consumption expenditure such as buying a house, buying a car, and personal credit.

3. Educational planning: children's education.

4. Risk management and insurance planning: Money to prevent accidents, whether insurance or other means, needs to be prepared.

5. Tax planning: planning and arrangement of business, investment and financial management activities in advance, and reasonable tax avoidance.

6. Investment planning: Configure a suitable combination of financial products according to your own situation, so that our money can make money.

7. Retirement planning: ensure that the elderly can live a life of "old age with empty thoughts, old age, and old age".

How to manage your money correctly?

1. Understand your financial situation.

Be aware of how much your current assets are and what your income is. Organize your current financial situation and know how much your net assets are (net assets = existing assets - liabilities). In addition, we all need to know about having reasonable expectations for future life, and how much we will expect to earn and spend each month in the future.

But one thing to note is that no matter what your situation is, how much money you have to invest as much as you want, don't borrow money to invest in poor money, especially high-risk products.

2. Find an investment method that suits you.

Everyone's financial situation is different, and there are differences in investment methods. We need to find our own position and choose the investment method that suits us.

3. Risk tolerance.

In the face of a variety of investment and wealth management products in the market, you should first assess your risk tolerance. Choose a product that matches your risk tolerance based on your risk tolerance.