Quit Your Money And Make Money.

　　 Disease 1. Follow the crowd.

Two years ago equity market When it's fire, no matter what it is. Stock speculation Or buy? fund It's easy to make money, which makes many people who don't understand it plunge into the capital market.

Liu Jing, a Mr. Liu, a financial planner of Xingye Bank (601166), saw two years ago that he had made money by buying stocks and he did not know anything. He threw all his about 200000 deposits into the stock market. However, at that time, the stock index had already reached more than 5000 points. With the stock market crash, Liu's stock market value shrank by 2/3 at the worst time, and now it is also losing 1/3.

Prescription: after a thorough understanding of your situation, make a long-term financial plan, especially pay attention to things you don't understand.

　 Illness 2 forget the most basic means of financial management save money

A citizen who consulted with Minsheng Bank (600016) financial planner Li Mengjing has a family income of more than 200 thousand. However, the couple spend too much money and have little savings.

Prescription: the accumulation of assets is very important, and saving is the simplest and most practical means of financial management.

　 Disease 3, love to buy a house, the proportion of fixed assets is too high.

Many people feel that buying a house is a very safe way to invest, so when they have the money, they will buy a house. One family bought five houses, accounting for 95% of family assets, and another young man bought four houses and about 800000 mortgages.

Prescription: financial advisers suggest that although fixed assets have stronger value preservation function, their value-added space is limited and their liquidity is poor. Therefore, the proportion of fixed assets in all household assets is best not to exceed 60%.

　　 Illness 4 buy insurance not guarantee adults only child protection

Modern people love their children, and give all their good things to their children. There is a family that buys all kinds of insurance for a 1 year old child with a total guarantee of 200 thousand yuan. But the parents of their children rarely buy commercial insurance.

Prescription: family's economic pillar should be the main target of insurance. In addition, there is a stipulation for children's insurance that the maximum insured amount for teenagers under 18 years old is 50 thousand yuan if they die.

　 Disease 5 delusions overnight

Many people do not have a clear understanding of financial management. They think that money management is investment and making money. Some people even think that assets should be doubled over a year to be a real financial management.

Prescription: financial management is to make long-term scientific planning through the analysis of the family assets and financial goals, so as to make the living standard flourishing and finally achieve financial freedom. Getting rich overnight is not a matter of financial management. Sticking to the idea of long-term investment is the right concept. {page_break}

　 Illness 6 young neglect insurance

Le Honglu, a financial manager of Sino British life, received a typical young couple who had ignored insurance. They have higher incomes, two houses and 400 thousand mortgage loans. But in terms of insurance, they only have social security, almost no commercial insurance. The women's unit has bought some commercial insurance for their employees, but she doesn't know the details.

Prescription: Le hung Lu suggested that young people should not ignore the importance of insurance, especially young people in the rising period of their careers. Once they are sick or accidents, they will bring a great blow to families.

　 Disease 7, no long-term plan, only focus on the present.

Jiang Kun, a financial adviser to Han and financial advisor, met a more than 40 year old citizen with assets over 5 million. But Chiang Kun discovered that these assets were mainly paved and factory buildings, and the public had not thought about insurance planning and pension plans.

Prescription: many urban people only know that they are desperate to earn money and are ready to earn money to rest, but they do not think much about the future. Therefore, from now on, we should establish long-term plans.

　 Illness 8 emergency reserve fund is not sufficient.

Overseas Chinese bank financial manager Huang Hongli and Pudong Development Bank (600000) financial manager Tang Yawei pointed out that many families have ignored this point, stocks, funds, houses, but for emergency cash very little.

Prescription: Although the money put in the bank's survival period has little added value, it should be 3~6 months' income as a family emergency reserve fund for rainy days.

Illness 9 does not make clear its expenditure and income.

Huang Hongli, a manager of overseas Chinese bank's financial manager, spends money lavishly. He doesn't know his income and expenses at all. There is no balance in a month.

Prescription: from a financial point of view, income - deposit = expenditure, not income - Expenditure = deposit. We should pay a certain percentage of money to the bank once a month get paid. We can use the zero deposit or the fund to set the investment, and the rest is the expenditure part. Besides, bookkeeping is a very primitive but effective way of managing money.

　 Disease 10 single investment channel

This problem is more common among people who come to consult. Someone put 80% of the money into the stock market, someone bought several apartments and wanted to buy it again.

Prescription: from the perspective of risk tolerance, establish a scientific asset allocation. If most of the money is invested in stocks, the risk is too high, and if it is all real estate, it will also reduce the liquidity of your assets. Also, don't forget to buy insurance when configuring assets.