The insiders believe that whether to change jobs or not, in addition to the income difference between the old and new occupations, should also comprehensively consider factors such as asset anti-risk ability, current assets status, spouse income and so on. And make a rational judgment after quantitative analysis.
1), the income gap between old and new occupations. Generally speaking, positions with a gap of more than 20% have obvious job-hopping value.
Job-hopping involves many interpersonal and emotional factors besides income. On the whole, the following five points are the core factors, with decreasing importance: First, the income difference between the old and new occupations (or posts). Generally speaking, jobs with a gap of more than 20% have obvious job-hopping value.
Furthermore, the ability of family assets to resist risks. Generally speaking, the higher a family's total net assets (assets minus liabilities), the higher its ability to resist risks. According to the housing price level in Guangzhou, for a family of three, the total net assets exceed 2 million yuan, which is more resistant to risks; The net assets are less than 6,543,800 yuan, and the ability to resist risks is low. Be careful when changing jobs.
The prospect of a new career and comprehensive cost performance are also important factors in considering whether to change jobs. In addition, if it is a family of three or two people, job-hopping also needs to consider the spouse's work situation. Double-employee families are obviously more resistant to risks than single-employee families.
Finally, generally speaking, before job-hopping, the current assets of the family should exceed the total consumption of the whole family 1 year. For a family of three with no car and no debt, the current assets need to exceed 654.38+10,000 yuan, and for a family of two, the current assets need to exceed 60,000 yuan.
2) the ability of family assets to resist risks. Generally speaking, the higher the total net assets of a family, the higher its ability to resist risks.
Generally speaking, before job-hopping, the current assets of the family should exceed the total consumption of the whole family 1 year. For a family of three with no car and no debt, the current assets need to exceed 654.38+10,000 yuan, and for a family of two, the current assets need to exceed 60,000 yuan. For example, according to the housing price level in Guangzhou, for a family of three and two, the total net assets exceed 2 million yuan, which makes them more resistant to risks. Therefore, the following points should be considered before job-hopping:
1. Increase family emergency reserve and purchase monetary fund. A family of three should have 50,000 ~ 65,438+10,000, a family of two should have 50,000, and a single family should have 30,000 ~ 50,000.
2. Accumulate enough liquid assets to consolidate the family financial foundation. The current assets of a family of three in Guangzhou should be 654.38+10,000 yuan, a family of two should be 60,000 yuan and a single family should be 30,000 yuan.
3. Adjust the family investment style to "stable", reduce the purchase of aggressive investment products, increase the purchase of bond funds and gold (mainly gold bars and paper gold, not T+D products), and the second choice can be bank wealth management products.
There are many uncontrollable risks in "job-hopping period", so it is suggested to carefully consider buying a house and a car.
5. Hold shares, hold the foundation to be solved, and don't cut meat easily.
Dual-employee family: the wife has a stable job, and the husband is considering starting a business.