Let’s look at the example of how a housewife with a monthly family income of 6,000 should manage finances. Ms. Han is 35 years old and currently lives in Huangdao District. She is a housewife. In October, Ms. Han will welcome the birth of her child. Ms. Han’s husband is mainly responsible for the household income, which is 6,000 yuan per month. Ms. Han previously opened a children's clothing store, but it is at a loss this year and she is pregnant, so she plans to close it temporarily and focus on taking care of her children at home. The two plan to let Ms. Han go out to work after their children go to school. Family expenses are 3,300 yuan per month, including 1,500 yuan for living expenses, 1,000 yuan for pocket money, and 800 yuan for car maintenance. Since the mortgage has been paid off, Ms. Han has no pressure to repay the loan or any other liabilities. In terms of assets, Ms. Han's family has a deposit of 200,000, of which 100,000 is a fixed deposit for one year and will mature in May next year. I also lent another 100,000 to a friend, but I will pay it back in October. In terms of insurance, both Ms. Han and her husband have social security but no commercial insurance. Ms. Han's family plans to buy a universal insurance policy for their baby, but they don't know if it is suitable. In addition, the family plans to buy a bigger house within five years, and the down payment should be 600,000.

1. Apply for a credit card to increase financial management channels. Yu Qian, personal account manager of ICBC Qingdao Hi-Tech Park Branch, believes that Ms. Han’s family is in a relatively stable stage of development, but the financial management of the entire family is too conservative, leading to investment expectations Annualized expected returns are low. Yu Qian suggested that Ms. Han make good asset allocation and invest appropriately in stocks, funds and other products to achieve long-term preservation and appreciation of family assets. When Ms. Han's baby is born in October, her monthly living expenses will increase by about 500 yuan. In view of Ms. Han's family's income and expenditure situation, and the fact that she is not working for the time being and has no stable income, it is recommended that Ms. Han reduce unnecessary expenses in her daily life and try to control her monthly expenses to 3,300 yuan, so that the monthly balance is about 2,700 yuan. 2,000 yuan of the monthly balance can be used to invest in fixed-term fund products or purchase monetary funds, and the remaining 700 yuan can be placed in current accounts as a family reserve fund. At the same time, Ms. Han has zero household debt and can apply for an ICBC credit card to enjoy an interest-free repayment period of 25 to 56 days, increasing financial management channels. Regarding insurance for the unborn baby, Yu Qian suggested that Ms. Han take out an insurance plan similar to the children’s education fund insurance plan plus accidental injury medical insurance to prepare for the child’s education fund and receive high school education fund, university education fund, and education fund for the child at the appropriate time. Start-up funds, wedding funds, etc. In addition, there are dividends and expected annualized expected returns every year, which basically meets the requirements for children’s education fund reserves and medical security. At the same time, it is recommended that Ms. Han buy term life insurance or accident insurance for her husband, increase pension insurance for herself in a timely manner, or use fixed-term fund investment to plan and protect her pension.

2. Fixed investment reserve, which will become 448,700 in five years. Since the fixed deposit has just been deposited for a short period of time, you can withdraw it appropriately and buy a capital-guaranteed financial product for about 4 months. After your friend pays back the money in October, you can allocate assets together. . By October this year, the main assets of Ms. Han's family were 200,000 yuan. After deducting about 10,000 yuan of prepaid insurance premiums for Ms. Han's family, another 10,000 yuan in cash was set aside for emergency use, and the remaining 180,000 yuan was re-allocated. In view of Ms. Han’s situation, the assets can be distributed in proportions of 20, 30, and 50 respectively. Short-term assets can be allocated to stock funds or hybrid funds, and the historical expected annualized expected rate of return is about 15; liquid assets can be allocated to currency funds or periodic financial products, and the historical expected annualized expected rate of return is about 5; long-term assets The historical expected annualized expected return rate of configurable bond funds, treasury bonds or fund fixed investment products is approximately 8. The combined expected return of this portfolio is 8.5. If calculated based on the expected annualized expected rate of return of the above investment portfolio, assuming that Ms. Han uses the compound interest method of reinvesting dividends, calculated based on the principal of 180,000, the value will increase to 18×(1 8.5)5 = 270,700 after 5 years. . If you add the 2,000 yuan in the monthly balance and choose a monetary fund, calculated based on the historical expected annualized expected return rate of 5, the cumulative amount will reach 136,000.

In addition to the remaining monthly accumulated payment of 700 yuan, 42,000 yuan, the total is 448,700 yuan. If Ms. Han wants to raise a down payment of 600,000 yuan in five years, Yu Qian suggests that on the one hand, Ms. Han’s husband can increase his income; on the other hand, Ms. Han uses her free time to sell children’s clothing online. Through the above example, we know that a housewife with a monthly household income of 6,000 can increase financial management channels by applying for a credit card, or she can also use a "fixed investment reserve" investment portfolio.