Family Financial Planning In Sowing Year

The weather is getting warmer, and spring is coming.

As the saying goes, one year's plan is spring, the best time to sow wealth.

Before planting, a comprehensive financial planning is a prerequisite for wealth to blossom and blossom at the end of the year.

For families of different age groups, of course, financial planning needs to be targeted.

At present, family composition is mainly divided into single, two person, three family families.

Here are the families.

Single youth: forced accumulation of savings

For most single men and women, social activities and outdoor activities are more frequent, and the pursuit of high quality and high quality of life, thus forming the habit of "spending money without saving".

In particular, quite a few people do not have too many savings ideas. They are confident, straightforward, and desperately making money, and then spend money smartly.

Invest a lot of money every month to buy all kinds of clothes, or to go to bars, travel and SPA to enjoy life.

Over time, at the end of each year, you will find yourself working for a year, but become a moonlight clan without any savings.

Although young and unmarried men and women live in a normal life, they still need to consider the problems of marriage and children in the future. Therefore, it is not only short-term financial goals that need planning, but also planning for a long time.

Specifically, for single young people with relatively high monthly income, they can choose some high-yield products or investment methods according to their actual situation and risk preference.

For example, with the rising demand for physical gold and continued weakening of the US dollar, investors' expectations of gold preservation function have been increased, and the European debt crisis has also promoted gold hedging to a certain extent.

Gold prices continue to rise, but inevitably gold prices will be volatile or even callback in the short term.

For young people who are interested in short selling and have certain risk tolerance, they can choose paper gold or gold T+D to conduct short-term game to earn the difference.

Financial advisers of China Merchants Bank suggest that both financial and investment need initial capital, so they need to learn to enforce savings.

You can choose to fund your own savings, such as funds and fixed investment, with stock or index products as priority.

If starting from the age of more than 20, a fixed investment fund will be allocated to a designated account every month for 300 yuan or 400 yuan. After 20 or 40 years, the compound effect of this seemingly inconspicuous accumulation will be very huge. It is better to accumulate it in order to keep it from time to time than to spend the extra income blindly.

Sunshine life financial planner pointed out that before marriage, husband and wife had their own money, but after marriage, they must have financial consensus before they can talk about the so-called family financial management.

Annual major expenditures should be planned ahead of schedule, and investment should be made as much as possible.

At the beginning, in order to turn the family into a real safe haven, it is necessary to carry out family risk management. It can provide a bonus life insurance for each person and himself.

If we do a good job of preservation, the rest of the funds can be carried out.

In addition, stock market and index funds are also tools to consider.

Although some experts predict that the overall market will remain volatile in 2011, there will be many opportunities for them to consider the possibility of configuring growth stocks with corresponding growth in the corresponding sector, taking into account some of the funds for long-term holding, while the rest is used for speculation in the short and medium term.

For families with relatively small amount of capital and weak risk bearing capacity, they can buy small growth stocks in small quantities in a small amount in the form of fixed investment, and then hold them for a long time. It can be said that such small accumulation can also achieve great wealth and achieve the goal of balancing risks.

Secondly, if the two husband and wife lack certain investment knowledge and speculation experience, they can pay close attention to index funds, because such funds can better track the trend of the market, and are also very beneficial to investors in terms of paction and cost.

Three families: Preparatory Education Fund and pension fund

The family of three should be considered the most common part of the society, and they bear more pressure than other types of families.

This type of family is usually in a mature stage, and couples with children have gone out of their romantic life. Instead, they are living in plain life full of oil, salt, vinegar, and tea.

At this stage, couples are more busy, taking into account the multiple responsibilities of working and caring for their children and the elderly. They also need to provide housing for their cars, under heavy economic pressure and mental stress.

However, at this point, most of the husband and wife are middle-aged, have a certain amount of capital accumulation, invest more stable and mature, and are at the best time to create wealth in life, so middle age is also a stage in which life takes on a heavy load.

The average family members of three families are the core of their families. Apart from the two world expenditures, the cost of child rearing and education is a huge expenditure.

Because at this stage, the elderly of the family are getting worse and worse, and there are many other inputs such as mortgage repayment. Therefore, we need to prepare a contingency fund that can be removed at any time.

Therefore, in this period, the family's ability to resist risks will be reduced, and investment should also be changed from the former earnings to the "stable and stable".

It can be considered that 40% of the family's funds will be used to purchase short-term fixed income or floating income financial products in the bank. After all, most of the proceeds of such products can beat the interest rate of the bank's time deposits, and the insurance coefficient is relatively high.

Then 30% of the funds can be invested in areas with slightly higher risk but higher returns, such as the set up financial products of outstanding brokerages with outstanding performance last year.

Moreover, many institutions and experts are more optimistic about the medium and long term stock market trend this year. They can hold a mixed fund or stock fund for a long time.

Children's education funds generally need to invest for 15 years. It is suggested that long-term investments should start as early as possible, and the earlier the starting point of investment, the less the amount of monthly expenditure will be needed.

At present, there are many similar compulsory savings, and N years after the return of principal and bonus of education insurance.

Moreover, commercial pension insurance should be allocated to both husband and wife to ensure the quality of life after retirement.