The key: bid farewell to the moonlight clan and build a wealth pyramid. Financial priority: financial savings plan > asset appreciation plan > emergency fund > buying a house.
(2) Family formation period
Key: during the peak period of household consumption, spare money is invested in pursuit of income. Priority of financial management: house purchase > big purchase > financial savings plan > emergency fund.
(3) Family growth period
Key: Qian Shengqian in the golden age, diversified investment portfolio. Priority of financial management: children's education planning > debt planning > asset appreciation planning > pension planning.
Family maturity
The key: quasi-retirees should be stable and give priority to themselves. Priority of financial management: asset appreciation management > pension planning > special target planning > emergency fund.
(5) Family aging period
The key: remember to prevent fraud and flicker, spend your old age safely and protect your capital. Priority of financial management: pension fund > emergency fund > special target planning > asset appreciation management.
Personally, I think we should first make financial planning and budget according to the family financial situation; Secondly, do a good job of accounting for daily income and expenditure, and record every consumption clearly; Finally, calculate the monthly and annual surplus and total capital status, analyze the income and expenditure according to the budget, and summarize and plan for the next year.
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Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.
Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value of assets, thus accelerating the growth of assets.
The word "investment and financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular.