How to manage money with an annual family income of 90,000 yuan, a monthly family income of 50,000 y

1. Guarantees. 1. Parents should take out insurance, generally within the age of 65 can buy serious illness insurance, and need a physical examination, the sooner the better, at least 100,000 yuan of protection or pension should be considered, and the annual investment of about 20,000 yuan (return type).

2. Self: I don't know how much to repay the loan every month, it is estimated that there is not much money left after the cost of living and repayment, there is little cash available for free disposal, it is very important to buy insurance, and the return protection of 100,000 yuan is temporarily considered, and the annual expenditure is about 10,000 yuan. Prevent the loss of assets when risks arise.

During pregnancy, insurance companies do not accept medical insurance, critical illness insurance, and accident insurance, or there are many restrictions. Because the risk probability of pregnant women is higher than that of normal people, it is unfair to other insured customers to underwrite pregnant women according to the risk probability of normal people. But now there is targeted insurance, but there is an observation period of 90-180 days).

2. Savings, easy access and withdrawal (I don't know your loan repayment, the amount is not determined).

1. Fractional deposit and withdrawal: force yourself to deposit every month and accumulate sand into a tower.

2. Short-term wealth management products and time deposits of banks: increase higher profitability and stability.

Depending on your family situation, you should prioritize financial prudence, ensure your current standard of living, and then consider high-risk investments.

For my humble opinion, please refer to it.

To do a detailed financial planning is not something that can be completed at once, you need detailed statistics of your family's assets, liabilities, income and expenditure, which can be divided into eight aspects: cash, consumption, education, risk, tax, investment, pension, property distribution and inheritance.

Balance ratio: Look at the balance of the annual after-tax income "30%.

Investment-to-net assets ratio: 50% of investment assets and net assets

Liquidation ratio: net assets and total assets" 50%.

Debt ratio: Liabilities Total assets< 50%.

Debt-to-income ratio: Debt After-tax income < 40%.

Liquidity ratio: 3% of the monthly expenditure of liquid assets

It is recommended that the landlord find a local financial planner to learn more about it, and a reasonable structure is the best.

Note that financial planners are not insurance people, although commercial insurance is also a must, but all premiums should be controlled within 15% of the total income.

I wish the landlord a healthy financial management!

The reserve is the amount of the family's expenses from March to June, the proportion of investments is (80-age), and the insurance is 10-12% of the annual income. If you still have a surplus, you can save.

Have a house? You can buy some real estate, **, collectibles and other real estate.

If you see if it's a big city, if you can, you can consider investing in real estate, if not, you can consider industry, and you can have a large business.

It is recommended to find someone with a good project to cooperate with to open a company or store. Then insurance is necessary. You can take some of it out to make a spot**.

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This depends on your family expenses, depending on whether you are designing it for your children. Give yourself how to position yourself on the quality of your family's life.

After a thoughtful investigation of the market potential, you can invest in a few sets of shops with greater prospects, which is both worry-free and labor-saving! But be sure to think carefully before investing. As with **, the risk and return of investment are proportional, and it is impossible to make profits without risk, so it is to avoid risks as much as possible!

And by thoughtfulness, I mean taking measures to avoid risk! Hope it enlightens you

You can carry out P2P financial management, bank wealth management products, etc., but you must make a financial plan, appropriately diversify risks, and do a good job in asset allocation.

How to achieve asset appreciation with only 50,000 yuan! You need to build 4 asset pools, allocate funds reasonably, and maximize returns! Don't just think about buying ** and get rich overnight

Generally, banks have savings, large-amount certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose from, depending on whether the product meets your needs.

Risk and return are basically proportional, requiring capital preservation to choose savings, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, ** and **.

The specific investment ratio and product direction of 100,000 yuan depend on each investor's preference, income, and risk tolerance, and investors need to choose according to their own circumstances.

of liquidity.

In daily life, it is inevitable to encounter some times when you need money urgently, and it is necessary to set aside a reserve fund that can be used at any time. Taking 100,000 yuan as an example, you can take out 10%, that is, 10,000 yuan as a reserve. This money can be used to buy baby wealth management products such as Yu'e Bao, which is not only highly liquid, but also able to obtain higher returns than bank current accounts.

It is used for prudent investment products.

It is not easy to make money, although the potential income of investment products like ** is considerable, but the risk is also relatively large. In order to avoid too much loss, you can use 50% of the funds, that is, 50,000 yuan, to invest in stable financial products, which can not only maximize the safety of funds, but also obtain good returns.

Stable wealth management products include bank wealth management, Internet wealth management, treasury bonds, bonds, etc. Bank wealth management products are also divided into 5 risk levels, of which R1 and R2 are lower risks, and the expected annualized return is about 4%.

In the case of treasury bonds, Xiaoqian suggests that you can consider electronic treasury bonds, which are relatively simple to buy, do not need to queue up at the bank, and can be purchased directly in online banking or mobile banking, which is convenient and fast.

Internet financial management is a new type of financial management method that has emerged in recent years, and has won the favor of many investors with high returns, safe and convenient operations, especially welcomed by young investors, with an expected annualized return of about 10%, which is worth paying attention to.

It is used to invest in medium-risk products.

You can take out 20% of the funds from 100,000 yuan, that is, 20,000 yuan for some medium-risk investments, such as ** products, such as bonds**, index**, **type**, etc.

Bond type refers to the investment in bonds, mainly invested in treasury bonds, financial bonds and corporate bonds, etc., with relatively low risk.

The index type is used to track the trend of a certain ticket market or an industry, which is related to the performance of an industry, and the fluctuation range is relatively large.

The return of **type** investment is the **market, the risk is relatively large, and it can be considered in the aggressive financial products.

If you want to invest regularly**, you can consider the index type**, and in the long run, the income is still relatively good. However, if you want to reduce some risks, you can also consider some combinations, such as 50% index** + 50% bond** portfolio, and make some ** adjustments regularly, so that you can also effectively diversify risks.

Welcome to pay attention to CMB Wealth Management, CMB has savings, large certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose.

Risk and return are basically proportional, the choice of savings is required to protect the capital, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, **and**, if you have a local China Merchants Bank, you can contact the branch account manager to communicate financial matters.

The best advice for financial management is: 30% fixed deposit + 30% stable attack + 40% strong attack 30% of the money you take to the fixed deposit, generally 1 year is the best, because the bank is constantly raising interest rates. If you save too long, you lose a lot.

30% for long-term regular investment or buy long-term closed**. This part of the money must be bought with insurance first.

Insurance is not an investment. I can't make a few cents, but this is a guarantee that must be bought. A lot of people are always calculating how much money they can make with various insurances. Forget it, no matter how much you count it, you can't count it as an insurance company. It's a kind of life security, don't treat it as an investment.

40% is of course speculation, and the income of foreign exchange is relatively high, and the monthly income can reach about 10%. In this way, it is estimated that it is more stable to manage money, and it is only a matter of time before you want to buy a house and a car.

It is summarized as the concept of 333 financial management, one-third of deposits, one-third of treasury bonds, and one-third of wealth management products (insurance, paper, etc.). In particular, one-third of the wealth management products (insurance, paper, etc.) have large returns and risks, so it is appropriate to go for the time being.

You can consider doing London gold first, the investment is small, and the financial management at work is correct, you can contact me for details.

Our company is in Chengdu, we have a guaranteed and stable income financial management method, if you are interested, see the name, add Q, come to the company to learn more about the situation.

Financial management is very important, family financial management tools are also essential, I recommend a personal financial software: Caizhi 7 family financial management software, the software only needs you to list the family assets, provide a family balance sheet, and provide family financial analysis, diagnosis, and financial goal setting, the most important thing is to have financial investment and wealth management product management, as well as bank account network management, so that you can always understand the family financial situation, and make reasonable plans for family finances in a timely manner. It will be a good helper in your family finance, if you are interested, you can check it out.

What to sell at this time** You can buy a few houses in two or three years.

First of all, it is best to take a small amount of money out to buy insurance (accident insurance, health insurance, etc.), and then you can take 1000-2000 per month to do**regular investment, take 100,000 out to invest**.

Deposit 100,000 fixed.

Save $10,000 in current account for emergencies.

The rest of the money can be used as a reverse repo of treasury bonds, which can be said to be risk-free, the annualized return exceeds the regular period, and the money can be transferred to the bank card quickly when the money is needed.

If you have a stable income, it is best to choose installments if you buy a house. If you want to buy a car, it is recommended to wait for your career to stabilize or something, and then buy it when you have spare money, because it is indeed expensive to maintain a car.

In fact, financial management is not about how much money you have, but if you don't manage money, money doesn't care about you. People often think that financial management is a lot of things for rich people, in fact, this idea is very wrong, just like you, every month your salary, if you only put it in the bank card, maybe inadvertently squandered, then you can set a plan for yourself, such as getting a passbook for saving a whole amount, saving 500-2000 yuan per month, forcing yourself to deposit, so that a year down, is a small amount of money, and with the increase of time, small money will become big money. And you usually have to develop a good habit of bookkeeping, and you have to be careful in your life, hey.

In the end, it is necessary to find a way to make good money, so that you can save more and more, and you must persevere!

To be a man is to be careful with your calculations. Oh it is best to save the whole thing, and save less in a month, just 1000 or more. It's better than you spent, and when you settle it at the end of the year, you should have a sense of accomplishment when you find that you still earned a lot this year, haha

When you save more than 5w, you can do the bank's wealth management business, and many of them can be done, hehe. **It is recommended not to buy, this is a loss.

The premise of financial management is to protect the capital and then ensure that there is a certain return on investment, so it is recommended to choose some investment methods with relatively low risk.

First of all, you can consider a part of the long-term stable income investment, such as ** regular investment, buy 300-500 yuan per month, and hold it for a long time.

Another part of the deposit, you can buy paper**, and the income is relatively considerable.

There is also a part of the deposit, which can be used to purchase short-term wealth management products of the bank, with a short cycle and low risk.

Finally, the money that may be used at any time can be used to buy currency**, which can be purchased at any time, redeemed at any time, and the money is more convenient and flexible, and the yield is higher than that of depositing in the bank.

The above wealth management products can be purchased directly by going to the bank, and if you open online banking, you can buy them directly online. Go to the counter and ask!

It's okay to buy education funds for your children, but it's best to buy all kinds of insurance for adults first, because you are the financial support of your family, and you can't have an accident. In addition, it is not a wise move to deposit in the bank, so you can try to make some investments.

What kind of financial management do you want to start a business and buy shares is a huge profit, and the risk is also very high, ****** is like that.

Fifty percent of it is taken out to do it regularly, steadily.

Twenty percent of it is taken out for insurance, family's.

The remaining 30 percent can be used for a small investment. What ********, but don't get **.

I don't think it's safer to sit in a small business, or put him in a pawnshop.