After 80 Financial Management To Resist Inflation

Xiao Wang is 25 years old and has been working very well since he graduated from university. Xiao Wang, who earned 5000 yuan a month, told reporters that the annual bonus of 25 thousand yuan and other bonuses were 15 thousand yuan, earning nearly 100 thousand yuan a year.

"Although I am still single, my family expenditure is not big at all, but I want to learn to manage money from a young age, and at the same time, I will make proper protection for myself and plan for the future." After making up his mind, Xiao Wang then consulted the relevant insurance planners and Financial management Division.

"I want to rationally distribute existing assets on the one hand, and raise them on the other hand. Family financial management Concept, increase risk resistance. " Xiao Wang said that as a post-80s generation, we should not just be moonlight people, but we should also plan ahead for financial management.

Xiao Wang then counted the accounts with reporters. "Education expenditure is 4000 yuan per year, the rent is 500 yuan / month, clothing and food expenses are 700 yuan / month, transportation costs 100/ months, other expenses are about 300 yuan / month, total annual fixed expenditure is 23 thousand and 200 yuan." Xiao Wang said, because the unit bought social security for him, Xiao Wang did not carry out commercial insurance for himself. In addition, Xiao Wang family has 10 thousand yuan in cash and current accounts, 370 thousand yuan in time deposits, and 1000 yuan in corporate bonds, funds and shares, and 7500 yuan in other assets. The total assets of families are about 388 thousand and 500 yuan.

In this regard, the relevant financial advisers suggested that Xiao Wang plus time deposits totaled 380 thousand, but only invested 8500 yuan to other investments. It suggested that 380 thousand of the existing idle assets should be allocated rationally and dispersed in currency, bond and stock markets. monthly investment plan And so on. Resist inflation And CPI's rising.

In addition, according to the general financial practices in developed countries, Xiao Wang is single and bears the responsibility of supporting his parents. Financial advisers recommend that as the main source of income for families, Xiao Wang can appropriately invest 10% to 12% of the income, that is, 10 thousand to 12 thousand yuan, to invest in life insurance to resist personal risks.