"80" rule: the reasonable proportion of stock investment is equal to 80 minus your age and then multiplied by 100%. If you are 25 years old now, your stock investment ratio is 55%. This law is reasonable. As we get older, our investment will be more conservative.
"Double Ten Laws" of Family Insurance: Family insurance is an important part of our family financial planning. If something unexpected happens, people are doomed. The amount of family insurance should be 65,438+00 times of the annual family income, and the total insurance cost should not exceed 65,438+00% of the annual family income.
The burden of mortgage is "no more than three": mortgage is the loan we have to face today, and it is also the only low-interest and large-scale loan that ordinary people may come into contact with, but the loan amount should not be too large, which exceeds our burden limit. If the total repayment amount of the mortgage does not exceed 1/3 of the household income, it is appropriate.
Diversification principle: Don't put eggs in one basket. As a famous saying, it is deeply rooted in people's hearts. When investing in financial management, you should also put your savings into a pyramid-like portfolio to reduce the risk of asset loss.
Adhere to the principle of regular investment: if your investment period is more than ten years, then you should concentrate your assets on venture capital. Because of the investment for ten years, the risks are basically eliminated, and almost all of them can get higher returns.