Happy Wealth Woman Financial Management ABC: Moonlight Goddess Focuses On Saving &Nbsp; Mandatory Savings.

Women's "beautiful life" not only needs to have beautiful The appearance must be backed by a solid economic foundation. Liu Yi, a famous writer in Taiwan, wants to do the latest work. Fortune girl As early as possible! "In a book, women are either unmarried or married. Divorce As a single mother, you should try to make yourself a favorite, smart, happy life. happiness Fortune girl.

Women have more money than women. Wealth "Happier", "happy women" should learn how to earn money, learn how to manage their finances and invest, and plan for their own happiness. On the arrival of the 38 quarter, this newspaper specially invited financial experts to focus on unmarried, married and divorced three kinds of women, offering A, B and C three different "happiness financial management" plans for reference.

"Moonlight goddess" A plan: focus on saving savings

Nowadays, many single women become "moonlight goddess" and "flower family". How can we change this state? Financial experts believe that mandatory savings is essential, and try not to use credit cards to curb unrestrained consumption, and secondly, to configure basic risk protection to prevent accidental risks.

Financial advisor sun Di leisure said that most of the unmarried women had just joined in the work, and the wages were generally not high. Most of them were only 2000 yuan to 3000 yuan / month, deducting the daily fixed expenditure from 1500 yuan to 2000 yuan / month, and the remaining money was very few. At this time, the emphasis of financial management should be placed on the throttle, and the mandatory savings method can also be used to fund the investment. In the current market situation, it is suggested that there will be more potential for money type funds to be fixed. In addition, it is also essential to properly configure some consumer oriented insurance categories. It is suggested that priority should be given to accident insurance. Now the average annual premium paid by the market is around 200 yuan, which can be insured for 100 thousand yuan. Agricultural Bank of China Foshan branch

In view of the most difficult consumption of unmarried women, Yang Zheng, a financial advisor of China Merchants Bank, suggested that unmarried women should minimize credit cards so as not to become "flower families" of unrestrained consumption. In addition, unmarried women will also face many problems such as marriage, career planning and so on. Therefore, the best investment is not to buy stock real estate, but to invest in themselves first. Therefore, it is also an effective way to find a good husband for a good husband to spend a certain amount of money on vocational training and skills training and improve their own quality.

B plan: value preservation is the key.

Stephen Chow, a movie star in Hongkong, has made a huge profit in the past few years because he has commissioned the "financial intelligence" former girlfriend Yu Wenfeng to help manage assets and double the assets over the past few years. Nowadays, many married women are mostly housewives and Huchi Suke who have the financial power in their families. With the increasing awareness of financial management, many men choose their wives when they choose wives. They also pay more attention to their wives' financial quotient. A woman with higher financial intelligence is more capable of investing and promoting family assets.

Yang Zheng, a financial planner of the China Merchants Bank, believes that many married families will face many expenses such as giving birth, buying a house and buying a car. But at the same time, the two couples work together to create wealth faster than a person. Therefore, it is suggested that financial management should focus on three aspects, namely, reserve child education funds, improve family risk protection, and maintain and increase the value of family assets. Yang Zheng suggested that a variety of portfolio management methods such as fund investment, purchase of insurance and bank financial products should be used to reserve educational funds, which could be reasonably allocated according to family income and household idle funds. The average annual household income is less than 100 thousand yuan, and it can consider the fund's fixed investment or the purchase period of the dividend insurance. The annual income of the family reaches more than 100 thousand yuan, and the family's idle funds exceed 50 thousand yuan. On this basis, we can add some short and medium term bank financial products appropriately. If the family income reaches more than 150 thousand yuan and the household idle funds reach more than 100 thousand yuan, we can appropriately increase some relatively radical stocks or partial stock funds, and at the same time, we can increase investment in fixed assets, such as shops. {page_break}

Family risk protection, on the one hand, can be mainly insured by the main source of income of the family (usually husbands). The average family income is more than 100 thousand yuan, and the insured amount of insurance for the insured can be more than 500 thousand yuan. If married women are over 30 years old, it is recommended to purchase "serious illness insurance" for women, with a minimum sum of more than 300 thousand yuan. On the basis of protection, they can also add some insurance products with double functions of protection and investment, such as dividend insurance and endowment insurance. Because of the high divorce rate, the financial planner also suggests that married women advance their own pension insurance for 1 years.

In addition, gold has once again become a popular financial product against inflation. Bank of China Financial Planner Chen Chunqiang believes that married women appropriately buy some physical gold or paper gold as a "stabilizer" for family "small Treasuries". This is beyond reproach. However, due to the high price of gold, there may be an abnormal market crash in the future, and the stability of gold may be slightly reduced. Therefore, it is recommended to take the investment strategy of buying low and buying high.

Single mother C plan: focus on three baskets

Compared to unmarried single women who have just entered the society, divorced single women who have experienced marriage failure or widowhood have to bear the responsibilities of raising and educating children independently. Their family risk tolerance is relatively weak, financial pressure and life pressure are increasing. With the aging, they will face many problems such as personal pension and so on, so the pressure of family financial management will be greater.

In this regard, Bank of China Financial Planner Chen Chunqiang suggested that divorced single mothers should focus on three aspects of family safety assurance, children's education planning and old-age insurance. As long as we control the three major problems of good family risk "safety basket", "child basket" and "old-age basket", even if divorced and single, life can also be vividly colored.

In view of family safety assurance, Yang Zheng, a financial planner of the China Merchants Bank, believes that single mothers should first purchase full insurance for themselves and their children, and that the emphasis should be placed on adults. They should further strengthen the risk of accidents and major diseases and supplement their life insurance, pension insurance and bonus annuity insurance according to their own economic capacity. The proportion of insurance coverage should be higher than that of married women. At present, many life insurance companies such as Ping An and life insurance have introduced family insurance suits for personal accident insurance. They can buy bundles of three families or mothers and daughters. If one of them has an accident, the other person can get the corresponding compensation.

In view of children's education and future pension, if there is still some savings in the hands of single mothers, it is suggested that pension and child education funds should be saved through investment shops, trusts and other channels. However, the threshold of investment shops and trusts is higher now, hundreds of thousands of dollars or even more than one million yuan, and the investment of shops may also be faced with risks such as improper site selection. Therefore, it is recommended that single mothers should be cautious in doing so. It is best to invite professionals to be investment advisers.