What are the family investment and wealth management products, and how should families invest and ma

It is very important for families to choose a formal platform for financial management, so as to obtain peace of mind and better protect the safety of funds. Du Xiaoman financial management is the original financial management, Du Xiaoman financial management.

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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.

There are various concepts and channels of family investment and financial management, the most common of which is the financial pyramid rule. The reason is: the bottom is wider and more stable, which is the cornerstone of the establishment of financial plans, including savings, insurance, treasury bonds and other low-risk financial products; The middle level is medium, medium risk, medium return wealth management products, such as corporate bonds, financial bonds, preferred stocks, all kinds of ** and so on; The top is narrow, and the investment funds are not much, but the family investment and financial management bear more risks, and the returns are relatively high, such as **, **, etc.

The specific distribution ratio depends on the age of the investor, stable income, the size of the fund, the expected investment period, tax policy, liquidity and other factors.

Age is the determining factor of family investment and financial managementLiu Jingyu said that if we are compared to a car, investment is like a throttle system, which can help us realize our career dreams, but family investment and financial management must bear reasonable risks; Financial management is like a brake system, which can provide us with fundamental protection and no systemic risks. How should a family with an income of five or six thousand a month manage their finances? Liu Jingyu said that age is the determining factor, and 100 minus age is generally used to allocate investment and financial management.

For example, a 30-year-old person, 100 minus 30, is 70, so he should invest 70 percent in high-risk, fast-growing industries, invest 70 percent of his money in it, and invest the remaining 30 percent in his family.

Should young people buy a house or invest in their families? Liu Jingyu put forward his own point of view, if you can buy two houses, one for self-occupation and one for the elderly, I have no objection. "For example, if you don't invest in real estate, you spend 14,000 yuan to invest**, or invest in a very risky place, if you save for 40 years, long-term investment, the annual return is 20%, what do you think?

You guess ......One hundred million! ”

Liu Jingyu said, so many people don't understand why I say that young people don't buy a house, because the money earned from buying a house can't have this kind of rolling way of compound interest, because the income generated by the house is basically simple interest. Family investment and financial management must first dare to try for family investment and financial management, Liu Jingyu suggested: money can not be deposited in the bank, as long as it is enough, no matter how the family invests and manages money, as long as the interest rate is higher than the deposit interest rate.

Liu Jingyu said that for the family at the beginning, I recommend putting 80% of the money in a safer place, for example, I invest in the bank's financial products, and the other 20% of the money can be used to invest in **, I only invest 100 yuan a month, the risk is very low, but in A shares, invest 100 yuan per month, the risk is very low, but invest in the A** field for one or two years, one year, two years, you can earn 20% return, although not much, but I believe you will slowly become interested, The next time you invest 200 yuan, it's better than standing still.

If your family doesn't need money for the time being, you can buy some long-term financial products, be sure to classify the property, leave life-saving money, ensure that the family has a certain amount of liquidity, and other money can buy some**, you can buy treasury bonds, you can buy **, you can also buy bonds, buy **.

Families should divide some of the remaining money into two equal parts, one part is fixed in the bank, and the other part is purchased some financial products, so that their funds can be more stable and they can also earn some money.

If the family's economic conditions are strong, you can take part of the funds to invest in the market. If the family conditions are average, then it is recommended that the family buy stable products, such as bonds, trusts, and bank wealth management products.

Extraction code: gigx Do you always think that your family's financial situation is good, and you can find that you have no money when you go on a family trip, children's education, change houses and buy a car? What if I don't know which part of my family's funds can be used for investment?

Who should buy the insurance at home? How can family investment and financial management stabilize income and reduce risks? If you have this problem, it means that your family finances lack a scientific ecosystem to make a reasonable allocation of the money your family has.

How to have such a scientific financial ecosystem? The 30 tips here are secrets, from how to figure out your family assets, how to scientifically carry out family savings, how to invest in specific types of products, to how to do family insurance planning, how to allocate family investment allocation, these 30 tips will build your personalized family financial ecosystem for you one by one. In a scientific financial system, improve your financial control, and everyone has the opportunity to become the CFO of the family.

Family financial management is to let everyone live a good life together, and many families' income is not very high, but the consumption is relatively high, is the problem faced by most families, so many families may not go to financial management because of less "money", in fact, family financial management does not mean that there must be a lot of funds to carry out, if you have mastered some family financial management skills and financial management methods can also be financial earning, then how to manage and invest in families, what family financial management skills and financial management methods, We have prepared relevant content for everyone, come and take a look!

1. Bank savings

When it comes to financial management, most people may think of bank savings, bank savings are the safest financial management, because bank savings are protected, within 500,000 will be compensated, and other financial products are risky, so in family financial management, to choose the safest financial management, then it must be bank savings.

When saving money, there is a little trick, that is, to deposit in batches, for example, when there is an emergency, we can withdraw one of the money without affecting the rest of the money.

2. Treasury bonds

Treasury bonds can be said to be the least risky financial products in the market, unless the country is bankrupt, generally will not lose money, but the treasury bonds are rough and the answer is not strong, and the handling fee will be deducted for early withdrawal.

Therefore, when buying treasury bonds, we try to choose spare money that we don't need for a few years, and the interest rate on treasury bonds is generally higher than that of bank deposits, but if you take them out in advance, the income may not be as good as the interest rate of bank deposits.

3. **Rock manuscript wisdom

There are many types of **, such as: currency**, bonds**, hybrid**, ****, etc., if you don't want to take a lot of risk, then you can choose currency**, bonds**, if you can bear a certain risk and want to pursue returns, then you can choose mixed**, ****.

Nowadays, people's lives are getting better and better, and they have more and more savings in their hands, so they will consider making some investments in their spare time, so that they can make money. However, although investment and financial management can increase economic income, you still have to choose products that suit you to invest, otherwise the gains may outweigh the losses, so if you want to make family investment, what are the suitable ways in general?

If you want to manage your family, you can consider the following ways:

1. Buy home insurance.

Now the insurance products are also very rich, in addition to medical insurance, accident insurance and other types of insurance, most insurance institutions also have their own financial insurance, generally as long as the insurance company relies on the simple orange spectrum, the user buys the insurance products reliable, then the risk of this kind of financial management is relatively not particularly large, suitable for family investment.

In addition, in addition to investment insurance, buying suitable insurance for your family is also quite an investment, and your family members are protected, which is also a disguised investment, but users need to pay attention to their own capital allocation, and must reasonably allocate their own funds to buy suitable insurance.

2. Lower-risk wealth management products (currency**, bank regular wealth management group, etc.).

We all know that any financial products have a certain risk, so if you carry out family financial management, in order to maintain and improve the living conditions of the family in the future, it is best to choose some less risky financial products, at present, the market has less risk financial products such as currency, regular financial products launched by banks, etc., such products generally will not appear large losses, is a family investment risk level products.

3. Diversified portfolio of wealth management products.

If the user's economic conditions are better, the investment risk can be borne is larger, then you can also choose to diversify your funds into different products, part of the funds can be used to invest in products with less risk, part of the funds for investment risk, higher returns of financial products, so as to diversify financial management, but this kind of investment users in the allocation of funds, must understand their own risk bearing, reasonable allocation of their own funds, so as not to affect their family life in the future.

Different families have different economic conditions and different life pressures, so if they make family investment, the best way for users is to understand the actual situation of their families, choose according to their own situation, and finally choose the most suitable products for their own investment, so as to provide the best protection for families.