5 thoughts on “How to make financial management for middle -class families?”
Lionel
In investment and financial management, the middle -class financial planning is the same as ordinary people. They are all planning for income and investment. In addition, the middle class is recommended to consider increasing investment in human capital. Because for the middle class, human capital investment may be the highest investment method. In fact, if a middle class wants to break through the bottleneck of income and rises into the wealthy class, the investment of human capital is almost the fastest way. For ordinary white -collar workers to achieve financial freedom, it is nothing more than promoting positions or self -entrepreneurship. If there is no accumulation of human capital, the possibility of reaching greater success on these two roads is almost zero. In addition, based on the pressure of middle -class living pressure, wealth management products with low investment risks, such as P2P wealth management, try to avoid investment in high -risk wealth management products. The cultivation of yourself into a mature qualified investor, knowing that each investment actually has its risk, but only the risk. It is recommended that netizens learn to identify risks, rationalize risks, and then share the benefits brought by risks. Greed and fear in investment is the most difficult to balance, and it also needs to be continuously improved. , how can middle -class families wealth management in order to stabilize assets and gradually improve the quality of life? Can be performed in the following aspects.
. The appreciation of household assets at the same time at the same time The family financial needs at this stage should be to protect the assets steadily at the same time. At least 6%of the annual income, it is best to reach 10%of the annual income. In the investment activities, the stability of capital is more emphasized, and the investment in the capital market can also be moderately participated in the capital market. Some assets can invest in low -risk high -yield products, such as P2P financial management. In exchange for long -term high returns, and investing in some assets in high -risk wealth management products, such as stocks (the investment amount of such products cannot exceed 10%of household assets), to obtain a balanced development of investment portfolios. . Personal pension plan This Families can refer to the planning methods of the following different stages of their own age of family members: 1, young and middle -aged period Develop your career and reserve assets for retirement pension. This is the most important period of establishing a personal financial foundation. 2. The time around 5-10 years before retirement has obtained a solid financial foundation after the previous stage of financial planning and implementation. At this time, we should financial management steadily and enjoy life. At this time, the investment portfolio will shift from positive to stable, reduce investment with higher risks, and investment with stable income and low risk. The main consideration is the balance between asset security and the stability of returns. 3, the stage of retirement and retirement The conservative financial management, peace of mind, is the basic operating strategy of wealth management during this period. Investment at this time will change to conservative types, mainly for investment in assets with stable income and low risk. . Children's education plan The middle -class families are in a period of growth. Children's preschool education, children's education costs and living expenses during college are relatively large, and the burden is relatively heavy. It is recommended to establish a education account specifically to deposit a certain amount regularly, and you can also deposit the interest you earned in the investment into the account at a certain proportion. However, it should be noted that the preparation of children's education costs should focus on planning the accumulation of children's education costs after high school. In addition, a part of the investment funds can also be made, and another investment portfolio can be used. 80%of them can invest in low -risk varieties, such as bank wealth management products, P2P wealth management, etc. 20%of them. Such as mixed funds, trusts, etc. The expected return of this investment portfolio reaches 3.4%. And this investment income is stored in the education account. . Risk guarantee planning The income of many middle -class families is unstable. In addition to buying some insurance, a special risk security account should be set up. Therefore To deal with accident expenditures, this funds are generally 6-12 months of monthly expenditure. You can deposit monthly idle funds into P2P wealth management (10%of the old average income range, which is much higher than the current period). . Introduction of wealth management products First set three limits: stable limit, income limit, flexible limit. In accordance with the stable limit, you can invest in the bank's regular wealth management products. According to different investment directions, the expected annualized income is generally between 3%-5%. The interest of 10W for a year is 3K ~ 5K. The disadvantage is that the income is low, and the amount of investment is high (the subject does not care). The advantage is that it is safer (but not the same as the principal, please know the concept of the capital). In the limit of the income, you can invest in stock/virtual currency. I dare not say this income. It is about the negative infinite-200%. The advantage is very prominent and the disadvantage is obvious. In according to the flexible limit, you can put the money on Yu'ebao (similar to products: Yu Libao, Tencent Financial Management), and the income is about 3%(recently fell below 3). The disadvantage is that the income and security are not particularly prominent. In addition to these three more "extreme" methods, there are two relatively balanced financial management methods in all aspects, focusing on: (1) Fund Investment method. Fund management companies through the issuing fund unit, concentrated investors' funds, are custody of fund custodians (that is, qualified banks), managed and used funds to invest in financial instruments such as stocks, bonds, etc., and then share investment risks , Share the income. For novices, investment funds seize three points: 1. Select the right fund 2. Investment. The premise is to choose a fund to decentralize the market risk through fixed investment. Or there is no real lazy investment in the world, novice investment needs to do well before investing.) 3. Supplemented. S selection fund method: 1. Find a fund with the middle and long -term performance ranking stable in the first 1/4 fund. 2. Find a fund company with higher morning stars and select the star products. 3. Select funds with higher Peta coefficients. Beta coefficient (Beta) is a risk index to measure the price fluctuations of individual stocks or stock funds relative to the entire stock market. (Beta) is a risk index that is used to measure the price fluctuations of individual stocks or stock funds relative to the entire stock market. (2) P2P/P2B p2p Financial Management: refers to the wealth management customers to lend the funds in their hands through the third -party P2P platform to borrowers who need funds. Control risks, funds redemption. It is the individual borrowing of individuals, and the P2P platform plays an intermediary. The income is generally 8-12%of the annualization. p2b wealth management: It is an individual borrowing of enterprises. Its advantages are strict risk control, transparent information, and high security. but the P2B model threshold is high, the assets are relatively strict, and the income is slightly lower than that of P2P. The number of platforms on the market is not large. State -owned financial institutions risk control, customers are well -received, and many clicks to enter the event page are still that sentence. Everyone must measure their ability to bear risk and choose the one that suits them.
How to make financial management is a question that everyone has always paid attention to. The financial management methods and wealth management products you can find on the market are too complicated. Now I will make it simplifying and sharing the wealth management methods and wealth management products I think! Recently, there is a fund course that I am extremely recommended. The great gods have focused on the fund investment for many years, and the annualized income can reach 15%: only 50 people! Click to participate in the "Fund Training Camp" and follow the income fund! It enter the topic 1. Stock-high-yield wealth management product does not need to prepare too much principal. You only need to go to a broker to open an account, and you can join the stock market. Everyone has heard of the stimulus of stocks, so the investment of investment should be kept within 20%of the total assets, and the risk of stock trading is too high. But the system of systematic learning is too time -consuming and energy. 2. Fund -wealth management products that have both security, income, and liquidity The because the fund's funds are kept in the bank, it is very safe. Compared with the free investment of the stock market, high risk, the convenience of the fund, the stability, and the management of special personnel, it is obviously more popular. The fund is sold from 10 yuan, the price is very affordable, and the types of investment will not be concentrated on a variety, and the risk is very low. The fund redemption process is convenient and the liquidity is very strong, so investment funds do not have to worry about the money. The fundamentals selected by many people, so the income is not high, and the choice of investing in the great god of investment can generally get long -term returns: limited time benefits! Click to participate in the "Fund Training Camp", and the high -income fund has flowed out. Speed follow -up income can reach 15%! 3. National debt -low threshold, high security, poor liquidity The advantages of national debt, first of all, it only costs 100 yuan to buy; the national debt not only has high security, but also it is also Published by the state; it can also bring about 4%of the annual income. State bonds are not recommended to be redeemed in advance as long -term investment, because 0.1%of the fees will be available when withdrawn. The products that are most suitable for wealth management are funds. There are three bad places in the investment process of ordinary people's financial management: unprofessional, no time, and insufficient funds. The funds you can solve can be solved perfectly. If you want to start a high -quality fund, come to the fund training camp: click to participate in the "Fund Training Camp", the fund investment can lie down!
The above is my "How to Finance in the middle -class family?" 》 The answer, hope to adopt ~ The link in the text to understand the wealth management training camp, so that you can do more with less than the road of wealth management!
As a middle -class family, I think it must be configured with some fund products. The fund has two types of open and closed types. Open funds can be purchased directly on the fund company website (need to open online banking) or through various banks. Closed funds must open stock accounts and buy them like buying and selling stocks. The open funds include currency, bond type, capital preservation and stock type. The currency fund has no purchase of redemption fees, and the income is equivalent to half a year to one year deposit. It can be redeemed at any time without losing money. The purchase and redemption fee of bond funds are relatively low, and the income is generally greater than the currency type, but there is also a risk of losing money, and the loss will not be great. Stock funds have the highest purchase and redemption fee. Fund assets are stocks. When the stock market falls, the fund will have the risk of losing money. However, if the stock market rises, there will be benefits. Through long -term investment, the average annual yield of stock funds is about 18%to 20%, and the average annual yield of bond funds is 7%to 10%.
The fundamental fixed investment has the characteristics of similar long -term savings. It can accumulate less successful investment costs and reduce overall risks. It has the function of automatic dips, and at high reduction. No matter how the market price changes, it can always obtain a relatively low average cost. Therefore, the periodic investment can smooth the peak and trough of the net value of the fund to eliminate the volatility of the market. As long as the selected funds have overall growth, investors will get a relatively average income, and no need to worry about the time selection of the market. The fund is originally the pursuit of long -term benefits. If it is a fixed investment method, you can also smooth the income loss caused by short -term fluctuations. Since it is the pursuit of long -term returns, you can choose the variety with the highest target income and index fund. Index funds have preferred the target. The large -scale blue -chip stocks and industry high -quality stocks with sample representative significance have avoided the risk of individual stocks due to a certain number of models. And avoid the impact of the economic cycle on a single industry. Because it is a long -term fixed investment, it takes time to digest the inevitable high -risk characteristics of high -yield varieties. Igly to choose products from high -quality fund companies. Such as Huaxia, Yifangda, South, etc., the recommended indexes choose the CSI 300 and the small plate index. You can open a fund account through a securities company to allow professional investment managers to serve you. Some index fund varieties are free of handling fees through securities companies, reducing your investment costs. The money is not much, you do n’t need to decentralize fixed investment, make money for you to make money, concentrated in one or two funds. Fund fixed investment requires the rear charging model, and the dividend method can be selected and re -invest.
Strictly speaking, China does not have a middle class. The ideal country is to form a huge "middle class" with worry -free food and clothing, and in our country, in the reform and opening up, although it has achieved certain achievements in the economy, a serious polarization has occurred -this is the Chinese people. This is the Chinese people. approved. After some people were rich, they did not help others to get rich. The real middle class will not buy a large number of stocks and blindly touch luck, but as "Xiye", that is, to exist in the bank, the annual interest is enough for the family's consumption. In the early days of reform and opening up, some people predicted that teachers, doctors, and civil servants would form an objective "middle class". In fact, this group is not rich in economics. In some places, it still owes wages of teachers. A high school senior teacher only paid more than 2,000 yuan per month. This money was overwhelmed in the sea of prices. From time to time, I will hear the sigh of this group!
Reduce family expenses, accumulate less The "quantitative income" on weekdays, and control consumer desire. The family backup funds, adjust the investment ratio The education fund planning, special funds and special n educational metals must be expected by families. Planning as soon as possible can be prepared and adjusted. With the help of help, the accumulation planning of education funds is more smoothly. The education fund planning should be dedicated to special funds, because this planning cycle is long, beware of the use of education funds for other use. It is recommended that Mr. Ma's family best use special account management education funds to achieve special funds.
In investment and financial management, the middle -class financial planning is the same as ordinary people. They are all planning for income and investment. In addition, the middle class is recommended to consider increasing investment in human capital. Because for the middle class, human capital investment may be the highest investment method.
In fact, if a middle class wants to break through the bottleneck of income and rises into the wealthy class, the investment of human capital is almost the fastest way. For ordinary white -collar workers to achieve financial freedom, it is nothing more than promoting positions or self -entrepreneurship. If there is no accumulation of human capital, the possibility of reaching greater success on these two roads is almost zero.
In addition, based on the pressure of middle -class living pressure, wealth management products with low investment risks, such as P2P wealth management, try to avoid investment in high -risk wealth management products.
The cultivation of yourself into a mature qualified investor, knowing that each investment actually has its risk, but only the risk. It is recommended that netizens learn to identify risks, rationalize risks, and then share the benefits brought by risks. Greed and fear in investment is the most difficult to balance, and it also needs to be continuously improved.
, how can middle -class families wealth management in order to stabilize assets and gradually improve the quality of life? Can be performed in the following aspects.
. The appreciation of household assets at the same time at the same time
The family financial needs at this stage should be to protect the assets steadily at the same time. At least 6%of the annual income, it is best to reach 10%of the annual income. In the investment activities, the stability of capital is more emphasized, and the investment in the capital market can also be moderately participated in the capital market. Some assets can invest in low -risk high -yield products, such as P2P financial management. In exchange for long -term high returns, and investing in some assets in high -risk wealth management products, such as stocks (the investment amount of such products cannot exceed 10%of household assets), to obtain a balanced development of investment portfolios.
. Personal pension plan
This Families can refer to the planning methods of the following different stages of their own age of family members:
1, young and middle -aged period
Develop your career and reserve assets for retirement pension. This is the most important period of establishing a personal financial foundation.
2. The time around 5-10 years before retirement
has obtained a solid financial foundation after the previous stage of financial planning and implementation. At this time, we should financial management steadily and enjoy life. At this time, the investment portfolio will shift from positive to stable, reduce investment with higher risks, and investment with stable income and low risk. The main consideration is the balance between asset security and the stability of returns.
3, the stage of retirement and retirement
The conservative financial management, peace of mind, is the basic operating strategy of wealth management during this period. Investment at this time will change to conservative types, mainly for investment in assets with stable income and low risk.
. Children's education plan
The middle -class families are in a period of growth. Children's preschool education, children's education costs and living expenses during college are relatively large, and the burden is relatively heavy. It is recommended to establish a education account specifically to deposit a certain amount regularly, and you can also deposit the interest you earned in the investment into the account at a certain proportion. However, it should be noted that the preparation of children's education costs should focus on planning the accumulation of children's education costs after high school.
In addition, a part of the investment funds can also be made, and another investment portfolio can be used. 80%of them can invest in low -risk varieties, such as bank wealth management products, P2P wealth management, etc. 20%of them. Such as mixed funds, trusts, etc. The expected return of this investment portfolio reaches 3.4%. And this investment income is stored in the education account.
. Risk guarantee planning
The income of many middle -class families is unstable. In addition to buying some insurance, a special risk security account should be set up. Therefore To deal with accident expenditures, this funds are generally 6-12 months of monthly expenditure. You can deposit monthly idle funds into P2P wealth management (10%of the old average income range, which is much higher than the current period).
. Introduction of wealth management products
First set three limits: stable limit, income limit, flexible limit.
In accordance with the stable limit, you can invest in the bank's regular wealth management products. According to different investment directions, the expected annualized income is generally between 3%-5%. The interest of 10W for a year is 3K ~ 5K. The disadvantage is that the income is low, and the amount of investment is high (the subject does not care). The advantage is that it is safer (but not the same as the principal, please know the concept of the capital).
In the limit of the income, you can invest in stock/virtual currency. I dare not say this income. It is about the negative infinite-200%. The advantage is very prominent and the disadvantage is obvious.
In according to the flexible limit, you can put the money on Yu'ebao (similar to products: Yu Libao, Tencent Financial Management), and the income is about 3%(recently fell below 3). The disadvantage is that the income and security are not particularly prominent.
In addition to these three more "extreme" methods, there are two relatively balanced financial management methods in all aspects, focusing on:
(1) Fund
Investment method. Fund management companies through the issuing fund unit, concentrated investors' funds, are custody of fund custodians (that is, qualified banks), managed and used funds to invest in financial instruments such as stocks, bonds, etc., and then share investment risks , Share the income.
For novices, investment funds seize three points:
1. Select the right fund
2. Investment. The premise is to choose a fund to decentralize the market risk through fixed investment. Or there is no real lazy investment in the world, novice investment needs to do well before investing.)
3. Supplemented.
S selection fund method:
1. Find a fund with the middle and long -term performance ranking stable in the first 1/4 fund.
2. Find a fund company with higher morning stars and select the star products.
3. Select funds with higher Peta coefficients. Beta coefficient (Beta) is a risk index to measure the price fluctuations of individual stocks or stock funds relative to the entire stock market. (Beta) is a risk index that is used to measure the price fluctuations of individual stocks or stock funds relative to the entire stock market.
(2) P2P/P2B
p2p Financial Management: refers to the wealth management customers to lend the funds in their hands through the third -party P2P platform to borrowers who need funds. Control risks, funds redemption.
It is the individual borrowing of individuals, and the P2P platform plays an intermediary. The income is generally 8-12%of the annualization.
p2b wealth management: It is an individual borrowing of enterprises. Its advantages are strict risk control, transparent information, and high security.
but the P2B model threshold is high, the assets are relatively strict, and the income is slightly lower than that of P2P. The number of platforms on the market is not large. State -owned financial institutions risk control, customers are well -received, and many clicks to enter the event page
are still that sentence. Everyone must measure their ability to bear risk and choose the one that suits them.
How to make financial management is a question that everyone has always paid attention to. The financial management methods and wealth management products you can find on the market are too complicated. Now I will make it simplifying and sharing the wealth management methods and wealth management products I think!
Recently, there is a fund course that I am extremely recommended. The great gods have focused on the fund investment for many years, and the annualized income can reach 15%: only 50 people! Click to participate in the "Fund Training Camp" and follow the income fund!
It enter the topic
1. Stock-high-yield wealth management product
does not need to prepare too much principal. You only need to go to a broker to open an account, and you can join the stock market. Everyone has heard of the stimulus of stocks, so the investment of investment should be kept within 20%of the total assets, and the risk of stock trading is too high. But the system of systematic learning is too time -consuming and energy.
2. Fund -wealth management products that have both security, income, and liquidity
The because the fund's funds are kept in the bank, it is very safe. Compared with the free investment of the stock market, high risk, the convenience of the fund, the stability, and the management of special personnel, it is obviously more popular. The fund is sold from 10 yuan, the price is very affordable, and the types of investment will not be concentrated on a variety, and the risk is very low. The fund redemption process is convenient and the liquidity is very strong, so investment funds do not have to worry about the money.
The fundamentals selected by many people, so the income is not high, and the choice of investing in the great god of investment can generally get long -term returns: limited time benefits! Click to participate in the "Fund Training Camp", and the high -income fund has flowed out. Speed follow -up income can reach 15%!
3. National debt -low threshold, high security, poor liquidity
The advantages of national debt, first of all, it only costs 100 yuan to buy; the national debt not only has high security, but also it is also Published by the state; it can also bring about 4%of the annual income. State bonds are not recommended to be redeemed in advance as long -term investment, because 0.1%of the fees will be available when withdrawn.
The products that are most suitable for wealth management are funds. There are three bad places in the investment process of ordinary people's financial management: unprofessional, no time, and insufficient funds. The funds you can solve can be solved perfectly. If you want to start a high -quality fund, come to the fund training camp: click to participate in the "Fund Training Camp", the fund investment can lie down!
The above is my "How to Finance in the middle -class family?" 》 The answer, hope to adopt ~
The link in the text to understand the wealth management training camp, so that you can do more with less than the road of wealth management!
As a middle -class family, I think it must be configured with some fund products. The fund has two types of open and closed types. Open funds can be purchased directly on the fund company website (need to open online banking) or through various banks. Closed funds must open stock accounts and buy them like buying and selling stocks.
The open funds include currency, bond type, capital preservation and stock type. The currency fund has no purchase of redemption fees, and the income is equivalent to half a year to one year deposit. It can be redeemed at any time without losing money. The purchase and redemption fee of bond funds are relatively low, and the income is generally greater than the currency type, but there is also a risk of losing money, and the loss will not be great. Stock funds have the highest purchase and redemption fee. Fund assets are stocks. When the stock market falls, the fund will have the risk of losing money. However, if the stock market rises, there will be benefits. Through long -term investment, the average annual yield of stock funds is about 18%to 20%, and the average annual yield of bond funds is 7%to 10%.
The fundamental fixed investment has the characteristics of similar long -term savings. It can accumulate less successful investment costs and reduce overall risks. It has the function of automatic dips, and at high reduction. No matter how the market price changes, it can always obtain a relatively low average cost. Therefore, the periodic investment can smooth the peak and trough of the net value of the fund to eliminate the volatility of the market. As long as the selected funds have overall growth, investors will get a relatively average income, and no need to worry about the time selection of the market.
The fund is originally the pursuit of long -term benefits. If it is a fixed investment method, you can also smooth the income loss caused by short -term fluctuations. Since it is the pursuit of long -term returns, you can choose the variety with the highest target income and index fund. Index funds have preferred the target. The large -scale blue -chip stocks and industry high -quality stocks with sample representative significance have avoided the risk of individual stocks due to a certain number of models. And avoid the impact of the economic cycle on a single industry. Because it is a long -term fixed investment, it takes time to digest the inevitable high -risk characteristics of high -yield varieties.
Igly to choose products from high -quality fund companies. Such as Huaxia, Yifangda, South, etc., the recommended indexes choose the CSI 300 and the small plate index. You can open a fund account through a securities company to allow professional investment managers to serve you. Some index fund varieties are free of handling fees through securities companies, reducing your investment costs.
The money is not much, you do n’t need to decentralize fixed investment, make money for you to make money, concentrated in one or two funds. Fund fixed investment requires the rear charging model, and the dividend method can be selected and re -invest.
Strictly speaking, China does not have a middle class. The ideal country is to form a huge "middle class" with worry -free food and clothing, and in our country, in the reform and opening up, although it has achieved certain achievements in the economy, a serious polarization has occurred -this is the Chinese people. This is the Chinese people. approved. After some people were rich, they did not help others to get rich. The real middle class will not buy a large number of stocks and blindly touch luck, but as "Xiye", that is, to exist in the bank, the annual interest is enough for the family's consumption. In the early days of reform and opening up, some people predicted that teachers, doctors, and civil servants would form an objective "middle class". In fact, this group is not rich in economics. In some places, it still owes wages of teachers. A high school senior teacher only paid more than 2,000 yuan per month. This money was overwhelmed in the sea of prices. From time to time, I will hear the sigh of this group!
Reduce family expenses, accumulate less
The "quantitative income" on weekdays, and control consumer desire.
The family backup funds, adjust the investment ratio
The education fund planning, special funds and special n educational metals must be expected by families. Planning as soon as possible can be prepared and adjusted. With the help of help, the accumulation planning of education funds is more smoothly.
The education fund planning should be dedicated to special funds, because this planning cycle is long, beware of the use of education funds for other use. It is recommended that Mr. Ma's family best use special account management education funds to achieve special funds.