Two years earlier, my uncle was regarded as the husband of the Republic of China.
Wu Xiubo, the charming uncle, Li Jian, the goddess of autumn trousers, and Zhang Jiayi, the teacher's milk killer? The little girl on the internet jumped up and down to marry a mature and sexy uncle.
Times have changed, and my uncle has become a greasy middle-aged man overnight. Beer bellies, receding hairlines, strings of hands, unofficial history-like celebrities, pajamas and Tang suits mixed out of the street, and wolfberry soaked in thermos cups? When people reach middle age, no matter how noble or ugly you are, they are labeled as "greasy".
Walking in the thinking of the post-80s, it has become the hardest hit area of the middle-aged crisis.
What do people fear most when they reach middle age?
A middle-aged man who had dinner and drink with his boss last night and met a client was called to the office early this morning and handed him a notice of dismissal. He was ruthlessly asked to sign, then handed over and left.
Think of the 42-year-old ZTE engineer who left his parents, wife and children forever, and the 42-year-old ZTE programmer who jumped to his death. He left four old people and a pair of young children, ending his 42-year-old life.
This is the sorrow of middle-aged people. All people rely on you, their parents, their wives' parents, wives, children, brothers and sisters, but find no one to rely on.
What's more, most of them are now burdened with thousands of mortgages and car loans. When they open their eyes every day, they are not only waiting for hard work, but also a month's debt.
Under such pressure, after 80.
Reasonable asset allocation is very important.
Some understandings of asset allocation.
1, self-owned investment
We often say that health is the capital of revolution. Health is the most important thing for the post-80s generation who entered the middle-aged crisis. We are now in a state of old age and small age, that is, we have to take care of the lives of the elderly and the growth of children. Therefore, the necessary sports expenses are necessary, which is the basis for ensuring our life and upgrading our assets.
At the same time, our own knowledge input can not be ignored, because we are the main body of life and society, and we can actively adjust and adapt according to the changes of everything in the world: if the city declines, it is better to move to other cities; If the industry dies, then learn new skills to re-employment in emerging industries, so don't feel that your investment is dispensable, which is the key to your future life.
2. Different income groups have different financial allocations.
It didn't mean to belittle others. Just make a financial allocation that suits you according to different income groups. As the saying goes, there is no right or wrong. Only when you are suitable and unsuitable can you make suitable choices at different stages, so that your assets and life can be further improved.
Working-class financial management
After a certain accumulation, the working class of Banzu realized the continuous appreciation of wealth through investment tools, and began to choose short-term high-yield wealth management products popular in the market to invest. The most important thing is to master the degree of sound financial management and high-yield risk financial management to maximize income. For example, Internet finance, with low investment threshold and high security, is the first choice for many office workers.
Financial management of high net worth individuals
Investment guarantee companies are the choice of high net worth individuals. They invest in wealth management products and pay more attention to the safety of assets. Diversification is the key. Invest in conventional wealth management products and prefer venture capital. High net worth people should not pay attention to the thickness of money, but to the length of time, that is, how long the wealth we have can serve us.
A class with an annual income of 20-50w.
Generally, at this stage, you can gradually start to form your own financial management style and asset allocation. This requires that in the second stage, you should know how to allocate assets, and at the same time, you should have financial income that suits you and estimate the weighted average income you can get every year. And these technologies all come from first-order trial and error and learning.
At this stage, with a certain amount of liquidity, you have completed the primary configuration of real estate and transportation, got a loan, and even started to raise the next generation. Improper operation will lead to a debacle, so asset allocation should be based on stability. It is recommended to focus on medium and low risks and pay attention to capital preservation and capital preservation. Ba Shen famously said: the first one guarantees the principal, the second one guarantees the principal, and the third one guarantees the principal. Say the important things three times.
The strategy is not to put eggs in one basket and spread risks, which is the key to capital preservation. Secondly, appropriately increasing the proportion of low-risk products can increase bank wealth management and national debt and reduce the stock futures index, but it should also be properly allocated. At the same time, strengthen the construction of self-protection and increase accident insurance and critical illness insurance.
A class with an annual income of more than 50W.
At present, it is a step towards initial financial freedom, even if it is properly operated, it can achieve initial financial freedom. In addition to ensuring normal living expenses and emergency money, it is suggested that you can consider choosing private equity funds and online loan investment to further expand your wealth upgrade.
Different people have different views on investment and financial management, but the ideas and concepts of asset allocation are very important. Asset allocation is not a game for the rich, nor is it just something that the rich need to consider. Most working-class people can realize the appreciation of their wealth as long as they choose the right way and a stable management organization. No matter now or in the long run, rational asset allocation is the most correct way to enhance your wealth, no one!
People are the root of everything. Remember, the best investment in the future is yourself.