Middle Class Family Finances Need To Pay Attention To Five Big Problems

< p > > the world's < a href= "http://www.91se91.com/" target= "_blank" > clothing < /a > a href= "http://www.91se91.com/" target= "http://www.91se91.com/" > shoes < < hat net "Xiaobian to introduce the middle class family finances need to pay attention to five major problems.

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< p > generally speaking, a reasonable family financial structure should include guaranteed products, robust products and radical products. The eggs will be shared in different baskets to share risks and achieve steady appreciation of household assets.

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< p > Xiao Bai and her husband have been busy finding the children's school districts near the key primary school in Heping District for the next year's school entrance. The annual income of the young couple adds up to 300 thousand yuan.

Faced with a series of problems such as children's education, pension and so on, two people began to realize the importance of making financial plans as soon as possible.

Xiao Bai calculated that, after deducting less than 2000 yuan of monthly mortgage and living expenses, it could save 12000 yuan, but the initial 100 thousand yuan in the stock market now has less than 50 thousand.

For Xiao Bai, how to deal with family consumption, investment and future children's education has become a top priority for financial planning. She urgently needs a clear direction.

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< p > < strong > family finances concern five major problems < /strong > < /p >

< p > when families carry out financial planning, they need to set up a good financial goal first, and then spend time and energy to sort out their financial situation. For example, look at what is unreasonable in income, consumption and investment, so as to correct them as soon as possible.

Generally speaking, financial planning should be considered in three aspects: consumption, savings and investment.

Among them, saving is the first place. It is suggested that every family should keep part of their monthly income as fixed deposits, and then divide some of them into investment, and the rest should be used as consumption.

From the perspective of consumption, we should try to save unnecessary expenses.

In addition, efforts should be made to increase investment in re education, so as to continuously improve their professional qualities so as to achieve stronger earning power.

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< p > < strong > four money needs to be prepared ahead of time < /strong > < /p >

< p > in the course of investment planning, families are actually preparing for the three money in life.

The first is education fund. According to the statistics of the Ministry of education, the Education Fund for children's growth is about 500 thousand yuan. At the same time, the annual growth rate of education expenditure in China is 29.7%.

Next is the children's venture capital and marriage gold. The conservative estimate is about 500 thousand yuan to 800 thousand yuan.

The third is the pension that each of us will eventually accumulate for ourselves. According to statistics, the accounts of the social security pension fund account is 1 trillion and 700 billion yuan, and the average replacement rate of the pension is 55%.

That is to say, if your monthly salary is around 3000 yuan, the monthly pension will be 1600 yuan, and there will be a gap in the pension.

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< p > we can see that education, entrepreneurship, marriage and pension are the most important money in a person's life. We must make a reasonable and effective planning for the future, that is, different stages of life, choose appropriate wealth tools according to different wealth needs, and make reasonable arrangements ahead of time.

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< p > savings income is no longer CPI < /p >

< p > survey shows that the vast majority of citizens are still inclined to choose savings.

Although savings are characterized by short-term safety and flexibility, they are depreciated in the long run.

In recent years, China's CPI index is averaging 5%. Taking the current one-year deposit rate of 3.25%, which is generally prevailing in banks, for example, the real interest rate of deposits is -1.75%, so the purchasing power of deposits will depreciate by 1.75% every year.

If the principal amount is 100 thousand yuan, the interest rate is 3 thousand and 250 yuan per year, the principal and interest income is 103 thousand and 250 yuan, and the actual purchasing power is about 98 thousand yuan (10.325-10.325*5%).

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At the same time, P is still cutting interest rates, and the central bank still needs to reduce the deposit reserve ratio.

This means that the existence of money in banks may shrink further.

Therefore, it is suggested that the public should maintain a positive attitude towards financial management and look for some financial products that can resist inflation. Bonds, monetary funds and insurance can be used as family asset allocation options.

In particular, dividend insurance can not only effectively resist inflation, reduce the risk of devaluation of bank deposits, but also invest in areas that ordinary investors can not get involved in, such as large bank deposit agreement, state key infrastructure projects and Securities equity investment.

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< p > < strong > borrowable bonus insurance value added wealth < /strong > /p >

< p > citizens should pay attention to the rational arrangement and planning of funds through the purchase of insurance, so that assets can be preserved and added to value and become a new wealth road in the financial turmoil.

Besides, another major function of insurance is to circumvent the estate duty reasonably.

According to the 2012 Hurun wealth report, by the end of 2010, the number of millionaires in mainland China has exceeded 1 million 20 thousand, while the number of billionaires has reached 63 thousand and 500.

Although China has not yet introduced the inheritance tax, recently, as the forefront of reform, Shenzhen put forward ten reform ideas of income distribution system, including pilot tax collection.

This shows that the inheritance tax is closer to the Chinese people, and the insurance tax exemption function can effectively achieve wealth inheritance.

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< p > < strong > the monthly investment fund of the final investment fund < /strong > < /p >

Compared with P, the fund's fixed investment is a relatively low threshold and flexible way of managing money. It has invested hundreds of yuan per month. Although its earnings are not so obvious in the short term, it will be a substantial gain in three or five years.

Moreover, investors can choose portfolio investment, such as high risk, high yield fund and low risk, low yield fund combination investment, which can offset risks and guarantee profits.

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< p > in fact, in many foreign countries, many ordinary citizens choose to invest in the fund. The investment way is relatively free and flexible. Moreover, the types of funds are very small. They are classified according to their types, such as equity funds, bond funds, money based funds, etc., according to their industries, such as mineral funds and real estate funds, investors can invest freely according to their familiar market conditions.

Moreover, when selecting funds, it can also query the past performance data of the fund company and its status in the same industry, so as to consider the management ability of the fund company.

Under normal circumstances, fund investment is divided into "fixed quota rule" and "regular quota + single investment rule". Among them, the first set is suitable for those who do not look at the market trend and busy office workers, and the second set of investors who are good at mastering the trend of < a href= "http://www.91se91.com/news/index_s.asp" > market < /a >.

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< p > first look at the regular quota rule.

The first step is to start regular fixed investment. The second step is to set up the profit stopping point according to its financial objectives; the third step is to realize the profit point of the fund and redemption; the fourth step is to reinvest the profits, invest in another fund, or increase the amount of the original planned investment deduction; the fifth step: when the profit point is reached again, repeat the previous actions, redemption and reinvestment.

In doing so, one can adjust the investment plan along with the change of the market, do not miss the ups and down, and strengthen the investment effect. The two guarantee the liquidity of the fund, and roll the old money and the new money together to give full play to the power of compound interest.

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< p > followed by regular quota + single investment rule.

The first step is to start regular fixed investment. The second step is to set up the profit point according to its financial objectives; the third step is to realize the profit point of the fund and redeem it; the fourth step is to reinvest the profits and purchase another fund, with a single investment way; the fifth step: when one side drops in the market or when the non economic factors fail, the single investment should be lowered; on the other hand, the investment should be continued regularly and on the other hand, when the next surplus point arrives, the profit and redemption will be carried out again, and then the profit will be rolled into the capital of a single investment.

In doing so, one can reduce the risk of single investment, and the two can achieve the effect of "1+1>2".

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< p > < strong > do a good job of family member protection plan < /strong > < /p >

< p > generally speaking, a reasonable family financial structure should include guaranteed products, robust products and radical products. The eggs will be shared in different baskets to share risks and achieve steady appreciation of household assets.

In the context of the current stock market turmoil, it is suggested that 20-30% funds can be used to invest in the stock market in household assets, for the purchase of blue chip stocks and resource stocks as a medium and long-term investment. The property market policy to suppress the property market is constantly promulgated, and the property market should be wait-and-see; the fund's fixed investment is a small investment to win a healthy return, and can be used as a medium and long-term investment mode. At the same time, investors should also reexamine the adequacy of family health care and old-age security, whether there is a fixed savings plan, and escort family life.

Insurance is the goalkeeper of family financial management, and safety and security are the biggest needs of every life.

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< p > it needs to be reminded that the main purpose of buying insurance products should be guaranteed. The maximization of investment income should not be the main consideration. Therefore, according to the family situation, we should first consider the family members' physical health protection and accident protection, so as to ensure that the cost of housing, normal living expenses and the maintenance of future children will not be affected by accidents.

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< p > at the same time, the public should first consider the protection products such as accidents, life insurance, health care, especially major diseases.

In addition to the existing social security, it is suggested that the "pillar" members of the family should purchase more adequate protective commercial supplementary insurance (including accident and medical insurance insurance). Children's insurance should be taken into account, but the premium of family planning should be given priority to parents, which can buy some education insurance for their children, but the rate of return on education insurance is low. They can not be considered in the case of strong family assets appreciation ability. Parents are getting higher and higher, other insurance is more difficult to insure or cost too high except for the purchase of accident insurance. It is suggested that the family balance fund should be regularly allocated a small part, and the elderly medical reserve fund should be established.

You know, disease is the "killer" of family property, which is enough to save your money for a few years.

Catastrophic medical insurance is an ideal way to pfer risks and ensure security. It is also one of the best choices for financial management.

A part of the money will be invested in a serious illness. If it is in danger, it can be compensated.

On this basis, it is also possible to consider buying some dividend insurance products as a steady investment, which not only guarantees the safety of the principal, but also realizes the quick return, without affecting the quality of life at the same time, it can save money for the future to achieve the easy "a href=" http:// www.91se91.com/news/index_cj.asp "financial management < /a >.

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