First, if the client is operated.
1. First, buy enough insurance.
Not to mention the importance of insurance, taking out 12%- 17% of the principal to buy insurance is equivalent to the current income 10 year's total income. For example, with a monthly income of 3,000 yuan, you have to buy 36W insurance, including personal insurance, serious illness, accidental injury, accidental injury medical treatment and hospitalization expenses (equivalent to social security).
2. bank deposits,
This is the minimum. It should be arranged as emergency cash, because it is the most convenient and quick to withdraw money from the bank. It is suggested that 20% of the principal be deposited in the bank for a fixed period of one year. At present, the interest rate is so small that it is not recommended to do it for three years and five years, because the interest rate may rise again after 1 year.
3. Long-term investment: stocks.
Why do you still do stocks when the stock market is so bad?
We want to make long-term investment!
It is precisely because the stock market is poor now that we need to make long-term investments. In order to diversify the investment, it is suggested that we take out 30% of the principal for long-term investment and just buy a similar stock and put it there without moving. Looking back after two years, the return should be between 100%-400%. Here I suggest buying a bank, because we are doing long-term investment, so we should focus on stability, and listed companies are also acceptable. Our stocks don't even have waste paper, because they are all operated online. In China, banking stocks are the most stable, because banks in China will not fail. Although the return may be less than other stocks, stability is the first.
4. Short-term investment: gold or foreign exchange.
Why should we divide it into long-term and short-term because we can't see immediate benefits from long-term investment, but short-term investment can make us continue to get benefits.
Gold suggestion is spot gold. Gold foreign exchange doesn't need too much principal, just tens of thousands (more than 20 thousand is recommended, because the more principal, the smaller the risk), and it can buy up or down, so there will be no so-called bear market. But it is suggested to find a good investment consulting company to provide good service for our operation and grasp the direction. As for how to find a good company, it is very simple. Almost all operations need a platform. The platform can open an analog disk. We can open a simulation disk and let the company provide us with services. If the income is ok, we can do it in this company. But we must avoid it: don't be greedy! Set stop loss and stop loss. But the income is secondary, and the most important thing is the safety of funds. Because these companies open accounts outside the mainland, we must pay attention.
Three. supplement
When we have our own financial plan, we must follow it and not be greedy. How many people died of the word "greed" ...
Every year, we will have a new principal (lump sum deposit and withdrawal) due, and this money will be included in the principal.
In short-term financial planning, it is recommended not to just put money in and not take it out. We also manage money for expenses, so if we have a certain income, it's not bad to take part out and travel with our families.
We should always remember: risk! We need to control the risk!
These are my personal views on financial management. In fact, everyone's situation is different Professional financial management should make plans suitable for different people.