Eight Investments That Benefit Women All Their Lives

Eight investments that benefit a lifetime

Investment with the highest success rate: Real Estate

although

Wang Hong, 35, magazine editor.

Although she still lives nine to five times a day, she no longer regards work as a means of making a living, so she has a lot of happiness.

Wang Hong, more than 30, said he could retire at any time, which fully benefited from the return on investment property in eight years.

In 2000, Wang Hung graduated from a University of real estate.

Because of the taste, from 2004 to 2007, three years later, Wang Hong bought a villa and an office building with mortgage loans.

After several times of hand in hand, now the rent of these apartments is over 10 thousand yuan after the loan is completed every month. The life of petty bourgeois of two couples has been quite moist.

Detail reminder

We never advocate "real estate" at this stage.

For those who have or are still considering property investment, the experts suggest that two principles should be considered: first, the rental yield is the main factor.

We should not listen to the mediator, but consider whether the house is rented out after the purchase and how much the rent is.

Second, the ratio of real estate investment liabilities should not be too high, control the number of loans properly, and reduce the ratio of monthly repayment to income.

Investment that should not be overlooked: Insurance

Time is the secret of accumulating money. Retirement plans should be worked out as early as possible, and matched with the corresponding insurance portfolio to meet the needs of different stages of life. In this way, when they are old enough, they will enjoy a high quality and happy life.

From this perspective, insurance is a necessary investment to plan for the future.

At the same time, do the worst of the plan to make the best preparation.

Zhang Li, 28, staff member of China Mobile Beijing branch.

Unlike his friends, Zhang Li learned the importance of insurance very young.

"Most of my friends are not interested in insurance because they feel that buying insurance is something for those who are old or ill.

They can pay five thousand or six thousand yuan of income for housing, car loans, food and clothing, beauty and weight loss, but they are unwilling to invest hundreds of dollars a month for a life full of security.

Zhang Li said he is a man full of hardship and is also willing to consider for a long time.

At present, she has purchased life insurance, and the major illness insurance with a sum of about 200 thousand yuan is added to the social security. The two premiums are invested at around 4000 yuan each year, and are not high, but life is full of protection.

She also plans to buy pension insurance in the future to prepare for long-term goals.

Detail reminder

We can not control our health and living conditions, just like we can not control the weather. When life changes, people need to have an insurance to support themselves.

Insurance experts say that the right insurance policy should be: first, determine the premium budget.

A family of three can use the annual household income of 5%~10% to purchase insurance. Such a proportion of expenses generally does not bring pressure to the family economy, and can meet the family's security needs.

At the same time, we need to identify the necessary safeguards.

Due to the different protection contents of different insurance varieties, the age, sex, occupation, income and health of the insured are also different. Therefore, when considering insurance, we should consider whether the policy is suitable for us.

Generally speaking, the main economic source of the family is suitable for life insurance, which is mainly composed of both protection and other functions. Single or frequent traveler is suitable for low premium and higher accident insurance. Currently, people with stable income and who want to continue to maintain their living standard after retirement are now able to insure pension insurance.

The most willing Investment: Children

Rodgers, the investment master, was successful in his life. When asked about his most successful investment, he said he was his own daughter.

"I used to think that raising children is a trouble and a waste of money. Only when a daughter knows that this is the best investment that can bring you happiness."

Aunt Wang Dan is a successful prosecutor. She is very pleased with her investment in her son for many years.

Although it took almost all her savings to spend 10 thousand yuan on piano playing twenty years ago, sending her children to study art for nearly ten years has also increased the burden of her life. But seeing her son's sunny attitude and good accomplishment and quality today, Wang Ayi feels that his intellectual investment in his son has been very worthwhile for many years.

Asked Aunt Wang about the experience of investing in children, her answer is unexpected: the most important thing is to invest time for children.

Whether he accompanied him to learn all kinds of skills, or to take him to travel together, she gave children subtle values and moral cultivation, and shared wonderful life with him.

For many years, my son has always shared something new with his classmates. His wide range of vision and mental relaxation has made him interested in learning, and his performance has always been in the front rank of the whole class.

Detail reminder

The greatest contribution parents give to their children is love. This kind of devotion is the most unrewarding, but often the most rewarding for happiness.

However, investing in children should not be spoiled. Some expensive expenses may not play a good role. Instead, little investment and accumulation will be more effective for children's growth.

For example, investment in children's intelligence, checkers, chess, maps, globe and so on. There are not many audio and video products with science and education content. If we want to choose musical instruments for children, we must observe more children, understand their interests and talents and make decisions.