Getting rid of the moonlight clan at the age of 20, becoming a petty bourgeoisie girl at the age of 30 and becoming a middle-class girl at the age of 40 are the best years in a woman's life. While fully enjoying life, you might as well take time to learn some financial investment knowledge. Financial planners suggest that female friends at this stage divide their income into two parts, one part is the necessary living expenses, such as purchasing daily necessities, rent, utilities and other fixed expenses; The other part should be planned reasonably. It is suggested to set aside 30% of this surplus, accumulate 3-6 months' expenses every month as reserve fund, invest 30% in regular fixed funds, and prepare to buy some non-necessities (travel, banquets, etc.). ); In addition, 10% is used to buy some insurance for yourself, such as accident insurance and term life insurance. It is best to use 10% to buy books, recharge, learn to live and learn to learn. The effect can't be immediate, but in later years, when the beauty index decreases, the rise of wisdom and self-restraint comes from the previous study investment. After the age of 25, girls who try high-yield projects should make appropriate adjustments in their income planning while ensuring their quality of life after several years of workplace experience and social accumulation. Financial planners suggest that you can set yourself an annual investment income between the ages of 25 and 30, neither too high nor too low. Generally speaking, the annual income of 6% to 8% is more appropriate. The reserve fund accumulated for three to six months before can be allocated in the form of demand deposits and money market funds, which can not only ensure the flexibility of using funds at any time, but also obtain a slightly higher income than the current interest. From now on, you can also invest 10% of the total income every month, and find some high-yield investment projects within the risk range you can bear, because high risk means high return, but stop speculative investment and invest systematically on a regular basis, that is, long-term investment. In addition, in addition to social security, accident insurance and term life insurance, it is necessary to supplement some commercial insurance; Life insurance, health insurance, etc. Can be insured, and the payment amount should be 10% of the annual after-tax income. Case 2: Women aged 30-40 play multiple roles. The focus of financial management is to make the whole family maintain sound financial management and revitalize funds. The health protection of family members is the analysis of the first financial planner. Most female friends between the ages of 30 and 40 have multiple roles and are under pressure to support the elderly and educate their children. At the same time, the husband and wife are also in the rising period of their careers, and they also spend a lot on their careers (such as re-education, relationship entertainment, image dressing, etc.). ). The financial planner suggests setting aside 3 to 6 times of the family's monthly income as a family emergency reserve fund. This part of the proceeds can be placed in cash management tools such as demand deposits, money funds or investment bank-related wealth management products. Specifically, first of all, do a good job in insurance protection planning. The first task is health protection. If both husband and wife and their children have no social security, they may ask the unit to supplement social security. If the unit can't supplement social security, it will run its own commercial medical insurance and pay it in the form of annual or monthly payment. If the balance of income and expenditure is still large, you can increase the critical illness insurance plan. Second, do a good job in family financial planning. A reasonable proportion of assets should be allocated between different types and styles of products. Mainly conservative, steady and positive products. Generally speaking, conservative categories, mainly time deposits and savings insurance, suggest to allocate 30% of this part; The stable categories are mainly bond trust wealth management products, bond funds and other types. Because this part of the risk is not high (within its own risk tolerance range) and the income is higher than that of guaranteed products, it is recommended to allocate 50%; Third, the positive category mainly refers to equity funds, paper gold investment, stocks, foreign exchange and investment-linked insurance. This part of the risk is relatively large, and the expected return will be high. As a woman in the new era, life can't be static, and there are still some new things to experience, so it is recommended to allocate 20%.