2 thoughts on “How to make financial planning for young families who are ready to have children”
Joyce
Family wealth management can't escape a word, that is, "asset allocation." The asset allocation refers to a process of arrangement of the distribution of funds. Only by doing a reasonable fund arrangement, the family can maintain stability when facing the sudden risk. Essence In this article, I will use this as the theme to answer how the family financial management. At the beginning of the article, I recommend a financial course that can help us increase income. Seven days of lessons, I can feel the progress of financial management ability after learning: limited time benefits! Click to join the wealth management training camp to achieve three times the income growth. For family financial management, the more reasonable expenditure ratio is: 40%of the income is allocated to assets that preserved or value -added, non -fixed assets such as fixed assets or stock funds such as houses 30 %Is used for family life expenditures to ensure basic life; 20%of the income for bank deposits, preparing for some possible expenditures at any time, and can also invest in some currency funds. 10%of the income can be used to purchase insurance to ensure some possible life risks. A family can build an offensive and defensive family financial system by building four "accounts" of investment, consumption, savings, and insurance. The account is used to pursue income. The key to this account is that it can afford it. Many families buy stocks in the first year to buy 30%. As a result, they made a lot of money. The next year I bought stocks with 90%of the money. However, if I encountered something in the middle, it would cause family assets. Various problems, this is definitely wrong. I we can adopt a simple configuration rule of 50:50. is to divide the investment of the investment in two halves. One -half is invested in the stock market to buy stocks or stock funds. Fund, etc.). The selection of funds is the technical work. If you don't want to be cut, you have to be too strong. A complete set of fund training courses can help you: limited to 50 places today, click to register for "Fund Training Camp" gold! . Daily expense account Daily consumption can configure 1-2 credit cards, which can basically cover daily consumption. For this account, anyone must have it, but it is most likely to occur excessively. Many times there is no money to prepare other accounts because this account costs too much. 3. Savings account, that is, the money to keep the capital The most important thing about this account is exclusive: you cannot use it at will. Pension and educational funds are often deposited in family life, but they are always bought by car or decoration. The accumulation, requires long -term financial goals, has a fixed money to enter this account every year or monthly. The use of fund fixed investment to achieve this account is a better way. . The life -saving account is used to realize the management and transfer of risks In short, it is to buy insurance. According to the "double ten" law, the premiums account for about 10%of the family's annual income. The people do not have four accounts at the beginning. We must learn through our learning knowledge and then improve it little by little. The bank of wealth management needs to attract people. A complete set of financial courses allow you to take less detours: click to learn about "Financial Training Camp", and open the road to get rich for 7 days.
The above is my answer to "How to make a good financial planning plan for young families who prepare to give birth to children". Double the effort!
If you want to give birth to a child, you have to have your own financial planning. I suggest that the first is insurance. This is mainly an accident and some pension insurance. then investing in some high -yields and high risks such as stocks, virtual currency, P2P online loan, such as Jijin Capital, good income Sstowing from low to high, the money has been used reasonably. The cash flow is very good
Family wealth management can't escape a word, that is, "asset allocation." The asset allocation refers to a process of arrangement of the distribution of funds. Only by doing a reasonable fund arrangement, the family can maintain stability when facing the sudden risk. Essence In this article, I will use this as the theme to answer how the family financial management.
At the beginning of the article, I recommend a financial course that can help us increase income. Seven days of lessons, I can feel the progress of financial management ability after learning: limited time benefits! Click to join the wealth management training camp to achieve three times the income growth.
For family financial management, the more reasonable expenditure ratio is:
40%of the income is allocated to assets that preserved or value -added, non -fixed assets such as fixed assets or stock funds such as houses
30 %Is used for family life expenditures to ensure basic life;
20%of the income for bank deposits, preparing for some possible expenditures at any time, and can also invest in some currency funds.
10%of the income can be used to purchase insurance to ensure some possible life risks.
A family can build an offensive and defensive family financial system by building four "accounts" of investment, consumption, savings, and insurance. The account is used to pursue income.
The key to this account is that it can afford it. Many families buy stocks in the first year to buy 30%. As a result, they made a lot of money. The next year I bought stocks with 90%of the money. However, if I encountered something in the middle, it would cause family assets. Various problems, this is definitely wrong.
I we can adopt a simple configuration rule of 50:50.
is to divide the investment of the investment in two halves. One -half is invested in the stock market to buy stocks or stock funds. Fund, etc.). The selection of funds is the technical work. If you don't want to be cut, you have to be too strong. A complete set of fund training courses can help you: limited to 50 places today, click to register for "Fund Training Camp" gold!
. Daily expense account
Daily consumption can configure 1-2 credit cards, which can basically cover daily consumption. For this account, anyone must have it, but it is most likely to occur excessively. Many times there is no money to prepare other accounts because this account costs too much.
3. Savings account, that is, the money to keep the capital
The most important thing about this account is exclusive: you cannot use it at will. Pension and educational funds are often deposited in family life, but they are always bought by car or decoration.
The accumulation, requires long -term financial goals, has a fixed money to enter this account every year or monthly.
The use of fund fixed investment to achieve this account is a better way.
. The life -saving account is used to realize the management and transfer of risks
In short, it is to buy insurance. According to the "double ten" law, the premiums account for about 10%of the family's annual income.
The people do not have four accounts at the beginning. We must learn through our learning knowledge and then improve it little by little. The bank of wealth management needs to attract people. A complete set of financial courses allow you to take less detours: click to learn about "Financial Training Camp", and open the road to get rich for 7 days.
The above is my answer to "How to make a good financial planning plan for young families who prepare to give birth to children". Double the effort!
If you want to give birth to a child, you have to have your own financial planning. I suggest that the first is insurance.
This is mainly an accident and some pension insurance.
then investing in some high -yields and high risks such as stocks, virtual currency, P2P online loan, such as Jijin Capital, good income
Sstowing from low to high, the money has been used reasonably. The cash flow is very good