Financial analysis of financial planning for middle-income people Before making specific financial planning, we can summarize and analyze our financial situation in the past 1 year, including the total annual expenditure and whether there are liabilities. Know what expenses you have, how much you earn, how long you can pay off your debts, and so on. In order to make a more reasonable financial planning plan.
Making a reasonable revenue and expenditure budget includes annual and monthly, both of which should be made according to the principle of living within our means. You should know how much income you may get in the new year and refer to the financial situation of the previous year to determine the necessary expenses and how much money you want to save in the new year.
Emergency preparedness planning prepares emergency funds according to 3-6 times of the necessary monthly expenditure, so as to have an appropriate buffer time in case of emergency.
The hedging of long-term risks in long-term security planning is mainly realized by allocating insurance, and social security is only the basic guarantee. Before further considering other investment schemes, commercial insurance should be taken as a supplementary guarantee.
The child's birth and education planning can start from the birth of the child, and the fund will be fixed every month. For example, if you invest 1.250 yuan every month, after investing 18 years, according to the annual income of the fund, you can raise about 600,000 yuan when your child 18 years old.
Pension planning can save a sum of money for parents every year and use it when needed. It is best to save money for parents in a less risky way, such as time deposit and money fund.
Looking for a suitable investment channel Maigoo Bian Xiao reminded that when choosing risk preference, we should also combine our own economic conditions and family conditions. If the economic situation is good and family conditions permit, you can prefer financial products with higher risks and higher returns, but don't try high-risk products with speculative psychology.
How to invest and manage different deposits 654.38+100000 yuan financial plan 5 1 dongshi editor learned that if you want to invest steadily, you can choose 30% of the total investable amount for bank savings products and money funds, 40000 yuan for open-end funds, 20000 yuan for paper gold, and finally 654.38+100000 yuan for insurance. If you have strong risk tolerance, you can choose investment funds or stocks. The higher the risk, the higher the income.
There is also a financial plan of 200,000 yuan. For radical investors, they can buy stocks. If you are too busy or unable to operate stocks, you can buy partial stock funds. Steady investment, part of which can be invested in monetary or bond funds to meet the expenses of house purchase or children's education, and another 654.38 million yuan can be invested in stock funds.
More than 50%-60% of the total investable funds in the 300,000 financial plan can be used for investment in bank savings products, 65,438+00% for P2P products, 5% for gold, 20% for government bonds, 5% for new shares, 5% for blue chips, and finally some long-term investment index funds can be allocated.
For a financial plan of more than 400,000 yuan, three months' salary can be reserved as emergency funds, and then 30,000-50,000 yuan of monetary funds can be allocated. From the point of view of low risk and security, we can appropriately allocate 50,000-65,438,000 yuan of bank financing or 80,000 yuan of P2P products to further enhance the income, and finally we can allocate some index funds.
More wage earners buy insurance for middle-income people. Pay attention to the misunderstanding of financial management of middle-income people. The way to choose financial management is too simple. There is a famous saying in financial circles, "Don't put your eggs in one basket". Once this basket leaks, all the eggs may be broken, so we should diversify our investment and risk.
Like to follow the trend, some people have little or no knowledge of financial management. They heard from an expert or friend that they made money by buying a wealth management product, so they followed suit, but they haven't evaluated whether this wealth management product is suitable for them.
Blind pursuit of high returns Many cases of financial fraud or investors' losses are mostly caused by investors' blind pursuit of high returns without realizing the risks of financial platforms or products.
Matters needing attention in financial management for middle-income people Financial management is not equal to investing 5 1Dongshi. Com reminds that a person's financial planning should be matched with his future life planning, such as travel planning, buying a house and a car, educating his children, and re-educating himself.
Financial management is expensive. After determining your own financial planning, you should stick to it and don't break the original plan because of impulsive consumption.
To meet your own risk tolerance, personal risk preference is not equal to personal risk preference. When you consider your risk preference, you should also consider your risk tolerance. There are some tools for testing risk preference online, which can be used for reference.
It is impossible to adjust your financial planning according to changes. When you find that your previous financial planning is inappropriate, you need to adjust it in time. The ultimate goal is to match your financial planning with your own situation and life planning.
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