Newly Married Families Should Insist On "Active Financial Management".

Q: we have just started a family. Two people do not pay much, but there are quite a lot of expenses in recent years. What issues should newly married families pay attention to in financial management?

A: few people will notice that between open source and throttling, there is still a link which is easily overlooked. This is the "active financial management" zone.

The newly formed family needs to build up a new demand subject with family as the unit, like a wife giving birth. Capital reserve The capital reserves for children, the capital reserves for changing rooms, the gold reserves for future children, the reserve for old people's pension and so on are all the financial needs that newlywed families will encounter gradually, and what we need to do is to be prepared for future concerns and avoid worries.

　 We take out an investment tool from each of the following three categories to share with you.

1, risk prevention category: bank deposits

In " Active financial management Among them, there are skills in keeping time. We need to take about 3 months' income, keep a regular 3 months, or you can. Emergencies The expected choice of the deposit period, but this part of the money must be guaranteed at any time. This part of the money is called "emergency reserve fund". With this reserve, we will not encounter the dilemma of "a penny to defeat a hero" when we encounter emergencies.

Another way is that we can save deposits for 12 months, so that every month has expired deposits, which will greatly enhance the flexibility of our funds.

　 2, family consumption: Education Fund

Because the newly married family is not yet born, there is plenty of time to prepare for the education fund. As long as we spend part of our money every month or every year to persist in saving, we can generally achieve the purpose of accumulative education savings. Act as Education Fund More products are selected, and insurance, fund fixed investment and zero deposit can be used as investment vehicles for education funds.

　　 3. Venture capital: all high-risk products.

Stocks, real estate, trust products, etc., no matter what high-risk products, we just remember that this part of the investment does not exceed 20% of the total assets is safe. At the same time, we must learn to stop and stop.