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    Six Major Opportunities For Financial Management

    2011/4/22 13:19:00 62

    Money Prices Rising Stock Fund

    From the start of economic independence, people must manage their finances in a planned way. According to the different living conditions of different stages of life, how do we effectively avoid financial risks while doing well in different periods of life? Financial planning What about it?


       Single period


    (before joining the marriage: 2~5 years)


    The key point of financial management is to accumulate funds for future families. The key point of financial management is to work hard and lay a good foundation. Some savings can also be taken for high-risk investments, with the aim of learning investment experience. In addition, because the burden is relatively low, the premiums of young people are relatively low, and they can buy some life insurance for themselves, reducing the decrease or burden of income caused by accidents.


    Investment recommendations: 60% of the savings can be invested in financial stocks such as stocks and funds with high investment risk and long term returns. 20%, regular savings should be chosen; 10% insurance should be purchased; and 10% should be deposited as demand deposits for rainy days.


    The priority of financial management is: money saving plan, asset appreciation plan, emergency fund, housing purchase.


       Family formation period


    (before marriage to the child's birth: 1~5 years)


    The key point of financial management: this period is the peak period of family consumption. Although economic income has increased and life has stabilized, household basic necessities are relatively simple. In order to improve the quality of life, it is often necessary to pay for larger family construction costs, such as buying more high-grade daily necessities, and buying housing loans every month. At this stage, the emphasis of financial management should be on the reasonable arrangement of expenses for family construction. After a little accumulation, we can choose some more radical financial tools, such as partial stock funds and stocks, so as to achieve higher returns.


    Investment recommendations: 50% of the accumulated capital can be invested in stocks or growth funds; 35% investment in bonds and insurance; and 15% in demand savings.


    Financial priorities: purchase of housing, acquisition of hardware, money saving plan, contingency fund


       Children's university education period


    (after 4~7 years)


    Financial management: Children's education and living expenses are soaring at this stage. It will not be difficult for families who have accumulated wealth. Therefore, we can continue to develop investment and create more wealth. Those families that are not yet well-off are usually heavily burdened. They should focus their children's education and living expenses on their financial management so as to ensure their children complete their studies successfully.


    Investment suggestion: 40% of the accumulated funds will be used for the investment of stocks or growth funds, but we must pay attention to strict control of risks; 40% for bank deposits or treasury bonds to meet the educational expenses of their children; 10% for insurance, and 10% for family reserve.


    Financial priorities: Children's education plan, debt plan, asset appreciation plan, emergency fund


      Family growth period


    (children born to University: 9~12 years)


    The key point of financial management is that the biggest expenses of the family are children's education expenses and health care fees. But with the enhancement of children's self-care ability, parents can start their own businesses according to their experience, such as venture capital investment and so on. The purchase of insurance should be focused on education funds, parents' self protection and so on.


    Investment recommendations: 30% of capital can be invested in real estate in order to obtain a long-term stable return; 40% invest in stocks, foreign exchange or futures; 20% investment banks' time deposits or bonds and insurance; 10%, demand savings, for household urgent use.


    Priority of financial management: Children's education planning, asset appreciation management, contingency fund, special goal programming
    {page_break}


      Family maturity


    (children work before their parents retire: about 15 years)


    Financial focus: during this period, because of their ability to work and economic conditions have reached the best, coupled with the children's independence, family burden gradually reduced, so it is suitable for accumulation of wealth, financial management should focus on expanding investment. When choosing investment tools, it is not appropriate to choose too many ways of venture capital. In addition, a pensions should be stored and the money will remain unshakeable. Insurance is one of the more robust investment tools. Although the returns are low, it is conducive to the accumulation of pension and asset preservation.


    Investment recommendations: 50% of the investment capital can be used for stocks or similar funds; 40% for time deposits, bonds and insurance; and 10% for demand savings. As retirement age approaches, the ratio of venture capital investment should gradually decrease. In terms of insurance demand, we should gradually focus on pension, health and major disease risks.


    Financial priorities: asset value management, pension planning, special goal planning, contingency fund


       After retirement


    The key point of financial management: we should aim at our old age. Investment and expenses are usually conservative. Physical and mental health is the most important. In this period, it is best not to invest in new ventures, especially in venture capital.


    Investment recommendation: 10% of the investment capital can be used for stock or Equity Fund ; 50% invest in regular savings or bonds; and 40% demand savings. For families with relatively large assets, they can use legal tax saving measures to effectively transfer their property to the next generation.


    Financial priority: pension planning, heritage planning, special target planning, emergency fund


       Make rational use of short-term finance to revitalize the working capital


    " Price rise "This word has become the common people's recent" heart ache ", from rice, vegetables to daily chemicals, you sing me on the stage," inflation "has become the focus of social attention. In anticipation of the frequent tightening of monetary policy such as raising the deposit reserve ratio and raising interest rates, the common people may as well take the word "save" as the top priority, and do enough to "save money" and grasp all tools to make "money generate money".


    Liu boss has recently been very "headache" for this "Sheng" and "Sheng" two words. As a small business owner, facing the rapid changes of the market every day, the operation and development of the business also need to change. Therefore, how to deal with the working capital at hand is very important to him. Liu boss often has a large amount of working capital in hand, and needs to be used in different time limits. Therefore, he basically uses the form of demand deposits. At the same time, he transfers business frequently every year, transfers ten times a month, and the annual average transfer fee is also considerable. Looking at the good yields of many bank financial products, Liu boss can only be disappointed and uncertain about the amount of money he spent at any time, which made him miss many good financial opportunities. For Liu boss, raising the utilization rate of large idle funds and saving the necessary bank charges as much as possible are his first urgent need to solve in the "inflation era".


    Due to the focus on small business financial services, the Bank of Shanghai branch has also paid special attention to Liu boss's problem.


    According to the bank's introduction, Liu boss is still very common in Shanghai. In addition to self-employed enterprises, many people will have some cash in demand accounts in order to buy houses and buy cars in time for withdrawals. In fact, such customers can choose some short-term and ultra short-term financial management methods based on the rule of capital flow. For example, 1 days, 7 days, 14 days or 1 months of short-term financial management, their interest rates are much higher than those of current deposits. At the same time, some banks will agree to provide flexible interchanging services to customers through prior agreement. They will combine the demand deposit products with the short-term financial and short-term deposits that are higher than the current interest rate returns, so as to help the customers to arrange the whole deposit and withdrawal or deposit as far as possible according to the use of funds, so that they can basically make a large amount of idle funds, and automatically manage their finances, segment interest and maximize profits. In this way, small business owners and customers who need to keep their capital to use will not be bothered by idle funds at hand. They will avoid the low yield of ordinary deposits and the embarrassment of being locked up.


    In addition, as for Liu boss's frequent transfer of accounts, the bank also pointed out that many banks take premium rates on interbank and off-site transfer services. Take Tai Long bank Shanghai branch as an example, considering the needs of many small business customers to quickly and save money for their large number of transfer business, especially stipulate the transfer of enterprises and individuals, including remittances (including interbank and off-site) fees.


    Bank of Tai Lung admitted that for small businesses, small wealth can also turn into big capital. Especially in the period of inflation, it is of positive significance for every enterprise or individual to make rational use of financial products and increase revenue and reduce expenditure.


     



     

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