Five Laws, Smart Families, Financial Management.

It turned out that a lot of family money was stored regularly or bought treasury bonds. After the emergence of the balance treasure, they bought babies' financial products.

Nowadays, when babies fall below the "4", many families will gradually choose from a relatively simple "balance treasure" mode to diversify their choice of financial products.

This will confuse many families how to manage their finances. The industry gives several general laws for all families to manage finances well: 4321, 72, 80, double 10 and 31.

14321 law

At present, the more practical family asset allocation ratio can be simply summed up as the 4321 law.

The relatively appropriate expenditure ratio of these families is: 40% for investment in housing and stock and fund; 30% for household expenses; 20% for bank deposits, for rainy days; 10% for insurance.

According to this law, arranging assets can not only meet the daily needs of family life, but also increase the value of investment and provide basic insurance coverage for families.

If you spend most of your money on investment, it will affect your life. What is the significance of making more money? Besides, investment is also risky. Losing money will also affect family life.

272 law

If you save a sum of money, the interest rate is x%, the interest will not be taken out every year, and the interest rate will be calculated, then it will be 72/X years later.

and

The sum will double.

For example, if we deposit 100 thousand yuan into the bank now, the interest rate will be 6% every year, and the interest rate will be increased every year. After 12 years (72/6), the bank deposit will turn into 200 thousand yuan.

According to the family insurance Double Tenth law, the reasonable amount of family insurance should be 10 times the family income.

At the same time, the annual premium should be 10% of family income.

For example, a family income of 120 thousand yuan, then the total insurance amount is more suitable for 1 million 200 thousand yuan, annual premium can be up to 12000 yuan.

380 law

Generally speaking, with the growth of age, the proportion of venture capital investment should be gradually reduced.

The 80 law is that with age growth, a certain proportion of total assets should be invested in higher risk investment types such as stocks.

The algorithm is 80 minus your age and multiplied by 1%.

If you are 30 years old, you can invest 50%+ (80-30) x 1% of the total assets in stocks, but when you are 50 years old, the percentage should not exceed 30%.

The so-called double 10 law is that the appropriate amount of family insurance should be 10 times the annual household income, and the appropriate proportion of premium should be 10% of the annual household income.

At the same time, the ratio of insurance premiums among family members should also follow the 6:3:1 principle, that is, the premiums and premiums for the purchase of insurance for family members who are the most important source of income should account for about 60% of the total family insurance assets. The proportion of insurance purchased for family members from secondary income sources is 30%, and the appropriate proportion of insurance coverage for children is 10%.

5 "31 mortgage" law

"Housing slaves" miserable days? This law is that the monthly mortgage loan amount is no more than 1/3 of the total monthly income of the family. Otherwise, you will feel that your hands are tight. Once you encounter unexpected expenses, you will be overstretched.

Finally, we should also note that family financial planning should be made after a comprehensive investigation of family income and expenditure and assets and financial conditions. We should make flexible use of family risk-taking ability and family needs at different stages, so as to identify reasonable family financial goals and investment and financial management plans.