Don'T Mess With Family Finances.

Family financial management is a big project. It involves every aspect of life, including food, clothing, housing, housing, car buying, children's schooling, filial piety, and so on. This requires reasonable arrangement, reasonable planning and calm management. Many families are confused about financial management, looking at the salary that has not been rising, the little savings, and the more eager to manage the high-yield way of financing. However, Jiaxing Reed financial planner reminded family financial management not to be "unreasonable and chaotic", "less and less".

Every family financial management should not be "unreasonable and messy". First, according to the actual situation of the family and financial goals, a financial planning is formulated, which does not require a 100% annual income. But it is necessary to maintain a correct attitude, diversify investment, learn to put eggs in different baskets, and choose an investment and financing way suitable for families. Mr. Reed, a member of the Jiaxing club, has a spare fund of 500 thousand yuan in his hand, hoping to make some steady investment and get higher income than fixed deposit. Listen to friends say, buy stock returns are high, then invest in stocks with friends, began to earn some, thought that it will continue to make money, who knows later in the follow-up, because of their stock is not understanding, operation is not timely, information asymmetry and other reasons, not only before making money to the stock, or even lost 100 thousand yuan, money instead of "less and less".

Like Mr. Cheng in the case, he did not understand the stock knowledge and stock market, because his friends understood and he followed the investment, which eventually led to a loss of investment. Jia Feng Reed financial planner believes that the stock market risk is not suitable for investors who do not understand the stock market operation and the risk bearing capacity is weak. So how to avoid it? Family assets In fact, it is very simple. Reasonable financial planning is very important.

　　 1, refer to the classic "4321 family". Financial rule "

Family asset allocation ratio can refer to the classic "4321 family financial rule", that is, 40% of the income for housing and participation in prudent investment, such as the purchase of government bonds, bank guaranteed financial products and more than ten percent of Yisheng fortune Yisheng Bao and other fixed income products, while protecting the principal, while steadily taking profits; 30% of the income for family living expenses; 20% for bank deposits or into the balance of treasure, can be used with the use of, to prepare for family emergency needs; 10% for the purchase of insurance, improve family security. Diversify investment and maximize revenue.

　　 2. Monthly household balance Proportional allocation

In general, families have some balances every month, and they also need to learn how to configure them reasonably. For example, for families whose income is good, financial planners suggest that 30% of their monthly balances can be invested in the stock market. If you do not understand them, you can look for professional financial institutions to help you, such as Jiefong Reed. However, if we want to see what is good, we will not have to make a big profit. We only need to make a steady profit. We should make steady profits in the middle of the month. We will make a fixed investment of 50% of the monthly balance. We will choose the fund to set the investment or Yisheng monthly investment. The latter will get higher income, 6.8% of the annual income, attach importance to long-term financial management and accumulate funds; 10% of the balance should choose the baby products such as the balance Bao and so on, and it can be ready to cash in at any time to prepare for the family's unexpected needs; the remaining 10% can be used as living expenses, and family financial management can start from the monthly balance.