1, the security layer (risk prevention fund) includes:
(1) Bank savings. This is the first pillar of the pyramid of family financial management, and it is the "emergency reserve fund" that families urgently need. The average family's "emergency reserve fund" should be prepared enough to meet the living expenses of 3-6 months (if it is richer 1 year).
(2) Social pooling insurance. This is the second pillar of the family financial pyramid. "Social security" is compulsory, subsidized by the state, with units, large units and small individuals; If there is no "talent" in the unit file, give it to yourself. As long as the school time reaches 15 years, you can receive a monthly pension after retirement. However, "social security" is only the lowest basic guarantee. In order to get a generous retirement pension, it is necessary to have enough commercial insurance.
(3) Commercial insurance. This is the third pillar of the family financial pyramid. Commercial insurance is a financial arrangement to spread risks and losses; Seeking compensation for risk loss is a contractual act; It is a guarantee mechanism for social mutual assistance to resist risks. She has a good value guarantee for people's lives and property and will play an important role in family financial management.
Modern people's financial management methods are: first prepare the security fund, then plan the consumption fund, and finally consider the value-added fund (as shown above). If the three pillars of family financial management are ready, the income from other venture capital will not affect the basic quality of life of the family, no matter how good or bad.
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