Good life planning begins with financial planning.
What is financial management? China's writing is full of wisdom, and "wealth"-"shell" is tangible resources, while "talent" is intangible resources, such as health, contacts, knowledge and ability. Financial management is to use intangible resources to enhance their competitiveness, realize life dreams and asset allocation through tangible resources, and realize financial freedom on the basis of financial security and financial independence.
Life is like a long journey, financial planning runs through, and financial planning is not as complicated as expected:
Where am I? Analysis of the current financial situation (household balance sheet, balance sheet).
where am I going? Set financial goals (including short-term, medium-term and long-term goals).
What should I do-make a financial planning plan. In family financial planning, one of the most important principles is "from beginning to end". After we set financial goals, we will realize our life dreams with the help of professional financial consultants according to the different attributes of different goals.
Start a trip-the implementation of the plan. Excellent people pay attention to important but not urgent things, and financial planning is important but not urgent.
The core of financial planning is the first-level title of asset allocation.
Generally speaking, when it comes to asset allocation in the investment field, everyone will associate it with the investment proportion distribution of stocks, bonds, deposits, real estate and other objects. 198 1 James, Nobel laureate in economics? Tobin left a famous investment motto: "Don't put all your eggs in one basket." This is the portfolio theory of diversifying different types of assets, avoiding risks and obtaining stable income. When you have seed money to invest, asset allocation theory is a very practical method to avoid risks and improve returns. However, people's asset allocation often goes into a misunderstanding, thinking that most of their portfolios are used in one place, especially the successful experience in the past will often become an obstacle to today's decision-making. For example, most rich people benefited from the golden investment opportunities of real estate in the previous 10 year. The inertia phenomenon of successful experience is that the portfolio of successful people in real estate investment is mostly concentrated in real estate. The reason for such asset allocation is the continuation of the past successful experience, but the past successful experience may also cause the burden of future development.
From the perspective of safety, the house itself faces natural risks such as fire and earthquake.
From the perspective of profit, on the one hand, with the further deepening of the macro-control of real estate by the state, the pressure of destocking of housing enterprises has gradually appeared, the upward trend of housing prices has slowed down obviously, and the space for real estate appreciation is relatively limited. On the other hand, from the rent-to-sale ratio index, if the ratio of rent to house price is lower than 1: 300, it means that the investment value of real estate becomes smaller. In addition, the value of the house will be discounted due to factors such as its own depreciation.
From the perspective of liquidity, housing, as a physical asset, is weaker than financial assets such as bank savings and securities.
From the perspective of asset inheritance, future gifts and inheritance tax are also issues that customers have to consider in advance.
The direction of financial planning is to guide customers to do a good job in asset allocation and achieve a balanced and satisfactory economic state.
Level 1 Title of Balanced Robust Asset Allocation Plan
Nowadays, people's material needs are getting higher and higher. In order to live a better life, many people will work hard. But in the end, I found that I still had no money, so I blamed all this on serious inflation, high prices, low wages, rapid housing price growth, high medical expenses, unbearable education expenses and uncertain future pension life. In fact, all this can be rationally planned through asset allocation. The key is to understand the specific attributes of different financial instruments.
Its leverage principle can not only solve the problem of high medical expenses, but also release iceberg savings for better investment and greater income. For ordinary families, a medical insurance itself cannot prevent the occurrence of diseases, accidents and other risks, nor can it completely eliminate the mental pain brought to family members and themselves, but a timely and sufficient cash guarantee is an important resource and support for us and our closest family members to spend the difficult times in life. For the high-income class, an insurance policy can release a large amount of medical expenses reserved by us, so that the funds can be used for other investment planning with confidence.
I would like to remind everyone here that buying insurance should not only pay attention to the amount of insurance, but also pay attention to the scope of insurance coverage. General death, serious illness and disability belong to the category of compensation, while outpatient service, hospitalization and operation belong to the category of reimbursement. Only when both are completed can we consider a complete policy. In fact, whether it is life or financial management, we should consider how to be better. This is not only the basic wisdom of life, but also the basic principle of financial management.
The third-level title of a bank is a financial institution that undertakes credit intermediary through deposits, loans, remittances, savings and other businesses. Its main business scope is to absorb public deposits, issue loans and discount bills. Its flexibility and security play an important role in family financial management. In recent years, banks have made full use of their channel advantages and started to sell and issue many short-term wealth management products as agents, which can make part of their customers' funds safe and flexible, and also obtain certain income.
As a non-bank financial business supervised by CBRC, trust has gradually entered the mainstream financial market in recent years. According to product classification, trust can be simply divided into fixed income, securities investment, PE equity, private placement and real estate investment. Different types have different security, profitability, revenue mechanism and time. Trust has many financial advantages. First, the investment field is very extensive. Trust companies (trustees) rely on the trust system to become the only financial institution that can cross the money market, capital market, industrial market and physical market. Second, the financial management function is very powerful. It can comprehensively create, accumulate, protect, use and inherit five aspects of wealth, which other financial management methods cannot have at the same time. Third, it can meet the needs of high-end financial management and personalized financial management. Special interest trust can meet the individual needs of customers to make up for the shortage of standardized investment products in the market.
Other financial instruments, including securities, futures, foreign exchange, gold, works of art, etc., may all involve asset allocation in financial planning.
This is a portfolio management scheme with several product portfolios, emphasizing "people-oriented, wealth for the people" life service.
The asset package configuration scheme first provides you with a living allowance of 30,000 yuan per month. Even if you don't work, you still have at least 360 thousand yuan in cash income to enjoy life every year.
If you are sick, the special medical plan can enable you to enjoy real high-quality medical care, and the best service can be obtained in the best hospitals abroad, and there is no restriction on public expenses, amounting to 6,543,800 yuan.
In case of some unexpected events, 700,000 emergency cash can be withdrawn within 3 days, which does not occupy a separate budget and improves the efficiency of fund use.
Behind the above advantages is the combination of several product solutions we have established for you.
The first is a safe and stable annuity. This product was gradually established in three or five years, and it is a defensive asset that must be allocated among family assets. It can quickly release 700,000 ~ 800,000 emergency cash when needed, which is a deposit higher than bank interest in the long run.
Second, the short-term trust products with medium and high returns are 3 million yuan, and 8% ~ 10% stable products can be allocated with the help of professional financial institutions. According to the annual income 10%, the annual income is 300,000, and it is no problem to make 300,000 living expenses every year.
Considering the problem of inheritance, it is suggested to choose a comprehensive functional account, and a large number of assets can be transferred into it if necessary.
The planning of this scheme may not be in place at one time, and each project can be implemented separately first, but we emphasize overall arrangement and asset allocation.
Of course, whether the financial planning scheme can play a role depends on systematic, supporting planning and good implementation. At the same time, we should realize that financial planning is not a simple financial management, but a management of life wealth. Financial planning is not simply planning money, but planning life. Products and technologies only assist our work and methods. The ultimate goal of financial planning is to improve the quality of life and realize one's life goals. China's financial planning market is in the ascendant, which not only needs the promotion of more professionals, but also needs Chinese people to pay attention to their own financial planning and treat it with a higher, longer-term and more objective perspective.