Monthly 5000R How Should A Single Family Manage Money?

treat Conduct financial transactions There are different plans in different stages of life. Nowadays, the activities of "shooting and rescuing older youths" on the Internet are going on in full swing. It also shows that many of the people who are in the singleton stage are quite large groups. For these "singles" and "older women," the life of "one person is full and the family is not hungry" needs to be achieved through targeted financial planning.

How does a single person get in 5000?

Xiao Chen, a citizen, is in Guangzhou. clothing The monthly salary of the foreign company in the industry is around 5000 yuan. Although she has worked for 5 years, she is a real moonlight family in her spare time. It was also in the past two years that she realized that she could no longer be a "moonlight clan". She looked at the savings of nearly 50 thousand yuan in the passbook, and she planned to manage money in earnest. Prior to that, because of less than 50 thousand yuan of funds, she just followed some of the monetary fund, but compared with the yield of about 4% of the fund, the recent 5%~6% yield of bank financial products also made her quite heartbeat. She plans to save 50 thousand yuan, just to reach the starting point of the purchase of bank financial products, and then go to buy bank financial products.

Reduced expenditure mandatory savings

For many older women, modern women can still live very well even if they are single at the age of 30. Most of them have rich amateur life, such as traveling with friends, singing K on weekends, or reading tea at home leisurely. In order to maintain this kind of life, it is very important to do well in financial planning. A financial planner suggests that for a single family, money management is a good way to reduce expenditure and force savings.

First of all, it is to reduce unnecessary expenses in life. For example, we can save on a monthly decreasing basis, such as reducing 100 yuan extra expenditure in the first month, reducing 200 yuan in second months, and reducing 300 yuan in third months until the acceptable range is considered acceptable. As a result, Xiao Chen can have at least 2000 yuan a month's balance.

Secondly, the following 4 kinds of reserves are prepared. For the unexpected situation in life, 2 to 3 times the monthly household expenditure should be kept as the daily reserve. The reserve can exist in cash, demand deposits or monetary fund. The reserve requirement for single women is first used for charging learning reserves. Analysts believe that single women must be inseparable from their jobs. If they do not recharge their studies in their leisure time, they will soon have no advantages in the workplace. Therefore, learning reserves is very important, generally used to buy books, sign up for classes, training courses, or go abroad to study in the future. However, this reserve does not recommend a fixed investment. If you buy a book that month, you can't vote again if you lose the quota this month. The second is to prepare tourism funds. This part of the reserve can be stored for three hundred and five hundred dollars each time. According to the actual income level and the target, reasonable deposits can be opened, or the money can be put into a cargo base. Contingencies are also necessary to solve contingencies. In addition, the Lunar New Year expenses and the relatives and friends to marry to move house also need to reserve.

Monetary Fund Investment

In terms of investment, for single aristocrats who lack professional knowledge and investment experience, they can more configure some medium risk investment types, such as partial debt mixed funds, guaranteed floating income bank financing products, and less partial equity funds. Niu Wen, a bank analyst, suggested that single women should invest mainly in Monetary Fund. Young women entering the workplace have more expenditure items and no primitive accumulation of capital. Therefore, it is suggested that this group of people should invest mainly in monetary fund, supplemented by funds. She said that the IMF is a very good cash management tool, especially now that many monetary funds have launched T+0 redemption function, which is more flexible than demand deposits. According to the statistics of the bank's network database, the average annual yield of the IMF is seven per annualized year around 4%, while the current interest rate is only 0.35%. The best way to do this is to recommend young women who enter the workplace early and do not invest more than 30% of the monthly balance.

Try bank financing products

stay capital After reaching a certain scale, bank financial products can be tried. Reporter inquiry found that, near the end of the quarter assessment time, the newly issued bank short-term financial products yield is generally above 6%, which in the Internet treasure products down the trend of sharp contrast, also attracted many investors' eyes. For example, the 3 financial products issued by Shanghai Pudong Development Bank yesterday were expected to yield between 6.05% and 6.2%, and the duration of these products ranged from 42 days to 98 days. At present, 38 of the bank's financial products sold in Guangzhou are more than 6%, most of which are issued by joint-stock banks or city commercial banks.

However, for those singles who have no experience in buying financial products, such as Xiao Chen, they should keep a mind when buying financial products. Liu Lixin, senior financial planner of the state, stressed that when people buy financial products, they must see clearly the terms of the contract. They must understand and buy them. Even if they do not understand them, they must seek professional help. Before buying, investors must be clear about the direction of financial products and so on. They should pay more attention to the "three no" financial products without specific investment, no clear sellers and no risk warning.

A single family needs to understand that the expected rate of return is not necessarily equal to the final yield. For example, in the collection and liquidation period of financial products, financial capital can only get current earnings. Therefore, the actual yield of financial products is to deduct the yield of these two periods, so the actual yield is often lower than expected. For example, the two financial products of 1 months period, the expected rate of return is 5%, the expected rate of return is 5.2%, but the collection period is only 3 days, while the raising period of B is 7 days. The actual rate of return is 4.85%, while the real yield of B is only about 4.1%. In view of this situation, investors should convert the surface rate of return to the actual yield, then compare it and choose the appropriate financial products.

Allocate certain social security and commercial insurance.

Insurance is the cornerstone of personal financial stability. In addition to paying social security, it can also purchase corresponding insurance, such as commercial insurance and serious illness insurance. The total monthly premium can be controlled at 10% of total revenue. Financial planners suggest that single women will not be stable after their initial entry into the workplace, because they do not have too much family burden or energy and accumulate funds for their families in the future. Therefore, first of all, we need to accumulate the first pot of gold in our life. On this basis, we can take some savings for higher risks. Investment 。 In addition, because of the relatively low burden of young people at this time, the premiums of young people are relatively low, and they can buy some life insurance accidents and medical insurance for themselves to reduce the income reduction or burden caused by accidents.