In daily life, the mortgage family accounts for a large part, and everyone's financial management concept is also increasing. In addition to repaying loans, accumulating children's education funds and improving the quality of life, family financial management goals should also include financial security and asset appreciation. So as a mortgage group, how to manage money? Let's take a look today.

1, keep an emergency reserve.

For families, in addition to repaying the loan every month, they should also prepare a family emergency fund. A family's emergency reserve is about 10% of the investable assets. This part of the funds can be used as a highly liquid monetary fund or a highly flexible financial management, which, like the bank's demand, has a higher expected return.

2. Multi-channel portfolio investment

The investment market generally recommends investing in stocks, funds, bonds and wealth management products, and several investment methods can be combined to realize a portfolio. Allocate funds according to your risk tolerance. If you have certain investment experience, you can invest in high-risk products such as stock futures and expect high returns. If you lack investment experience, you can choose products that are less dependent on professionalism such as funds and wealth management.

3. Use fixed investment to raise education funds.

For families, children's education is very important, and it is very important to prepare education funds in advance. Fixed investment can help investors to invest in some funds regularly, an education fund with good expected returns after ten or fifteen years.

4. Insurance.

After excluding loans and investment funds, every family needs protection, and can buy cheaper term life insurance or whole life insurance with pure protection to prevent accidents.

This is how mortgage owners manage their finances. I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.