Judging from historical experience and economic laws, long-term investment in stocks can share a country's economic growth, and the risk is not as great as short-term stock speculation. In particular, the investment in equity funds is less risky in the long run and can effectively resist the risk of inflation.
Because there are many irregularities in the China stock market, and Mr. Fang is not very proficient in stocks, the chances of making profits are very high, so it is suggested to invest mainly in stock funds. The method of "regular quota" can be adopted, that is, a fixed amount is invested in fixed funds and financial insurance at regular intervals, regardless of market price fluctuations. When the market price rises, buy fewer sets; When the market price falls, buy more. In the long run, costs and risks are naturally spread low and then sold at one time when needed, so it is also called "fool investment". This method is quite popular in the west. Now in China, not only insurance companies, but also fund companies have begun to agree with banks to automatically deduct money from customer accounts to buy wealth management products. For office workers who are busy with work and family all day, it is an easy and labor-saving investment method. In addition to maintaining the necessary reserve fund, customers are advised to invest the monthly balance indirectly in the stock market in this way, and obtain long-term returns through the snowball effect of compound interest.
The savings of Mr. Fang's family for one year is 50 thousand yuan. Plus other expenses, if he invests 3,000 yuan in the fund every month, and the annual rate of return is 15%, then he can accumulate more than 2 million yuan after 15 years. Coupled with the investment growth brought by the future income growth of Fang and his wife, the accumulated amount of funds will be even more considerable.
Recommendation 2: Carefully choose insurance products to effectively increase protection.
Both husband and wife need to buy accident insurance. According to statistics, about 10% people died in various accidents. Although the probability of some accidents is very small, once they happen, the losses caused are unbearable for any family. Although civil aviation is the safest means of transportation, several recent air crashes have proved that insurance is essential. This is precisely the principle of "high loss" in life insurance, that is, to insure against an insurance accident that will cause huge losses once it appears, regardless of its probability. Therefore, for the sake of children and family financial stability, both husband and wife should take out accident insurance. The insured amount should be 6- 10 times of the annual household income, that is, 550,000-920,000 yuan. In addition, although both husband and wife units have adequate medical insurance, they can also purchase subsidized medical insurance and get subsidies on a daily basis when they are out of danger, thus improving the security effect. According to the provisions of the husband and wife unit on the reimbursement of children's medical expenses, medical insurance and accidental injury insurance can be appropriately purchased for their children. Education insurance can also be selected, but it is not necessary.
Recommendation 3. Autonomous cars will be "affordable, but not affordable" in the future, so buy them carefully.
The basic national conditions of China, with a small land and a large population, determine that it is impossible for big cities to use cars as the basic means of transportation for residents' daily travel. According to the experience of western Europe, Japanese, Singaporean, Hongkong and other countries (regions), family cars will be "affordable and unaffordable" in China in the future. In addition, before the Beijing 2008 Olympic Games, rail transit will develop greatly, and customers' families are located near the subway planning line, so taking the subway as the main mode of transportation is faster and more affordable.
Recommendation 4: Reserve funds can also buy government bonds.
Due to the stable family income of customers, the reserve fund is equivalent to three months' living expenses. In addition to the "combined deposit" method introduced in the last issue, because the interest rate of national debt is higher than that of savings, it is tax-free and can be realized immediately, and it can also be purchased with reserve funds. It is suggested that varieties with longer investment period can get higher interest. In addition, the deposit interest rate may decrease more than increase. Once it is lowered, the price of national debt will rise.