The post-8s generation has become the mainstay of the workplace, family and society. The first batch of 8-year-olds are 37 years old, and the last batch is 28 years old.

two years earlier, uncle was treated as a husband in the Republic of China.

Wu Xiubo, the charming uncle, Li Jian, the goddess of autumn trousers, and Zhang Jiayi, the teacher's milk killer? The little girl on the internet jumped up and down to marry a mature and sexy uncle.

times have changed, and uncle has become a greasy middle-aged man overnight. Beer bellies, receding hairlines, string hands, celebrities like unofficial history, pajamas and Tang suits mixed out of the street, soaking Lycium barbarum in thermos cups? When people reach middle age, no matter how noble or ugly you are, they are labeled as "greasy".

The post-8s generation who walked on Ben Si Road became the hardest hit area of the middle-aged crisis.

what do people fear most when they reach middle age?

a middle-aged man, who accompanied his boss for dinner and drinking last night to meet his clients, was called to the office early this morning and handed him a notice of dismissal. He was ruthlessly asked to sign it, then handed over and left his job.

Think of ZTE's 42-year-old engineer who left his parents, wife and children forever, and ZTE's 42-year-old programmer who jumped to his death. He left four old people and a pair of young children, ending his 42-year-old life.

This is the sadness of middle-aged people. Everyone depends on you, their parents, their wives' parents, wives, children, brothers and sisters, but they find that they have no one to rely on.

What's more, most of them are now carrying thousands of mortgages and car loans. When they open their eyes every day, they are not only waiting for their tough jobs, but also a month's debt.

under such pressure, the post-8s generation

has a reasonable asset allocation

Talk about some understanding of asset allocation.

1. Self-investment

We often say that health is the capital of the revolution. For the post-8s generation who entered the middle-aged crisis, health is the most important thing. We are now in a state where there are old people and young people, that is, we have to take care of the lives of the elderly and the growth of our children, so the necessary sports expenses are necessary, which is the basis for ensuring our lives and upgrading our assets.

At the same time, our own knowledge investment can't be ignored, because we are the main body of life and society, and we can actively adjust and adapt according to the changes of everything in the world: if the city declines, it's better to move to other cities; If the industry dies, then learn new skills to re-employment in emerging industries, so don't think that your own investment is dispensable, which is the key to your future life.

2. Different financial allocation for different income groups

There is absolutely nothing to belittle others in this matter. We just make our own financial allocation according to different income groups. As the saying goes, there is no right or wrong. Only when we are suitable and unsuitable, we can make suitable choices at different stages to further improve our assets and life.

working-class financial management

after a certain accumulation, the working-class class realized the continuous appreciation of wealth through investment tools and began to choose the popular short-term high-yield financial management products in the market for investment. The most important thing is to master the degree of prudent financial management and high-yield risk financial management to maximize income. For example, Internet finance, with low investment threshold and security, is the first choice for many office workers.

Financial management for high-net-worth individuals

Investment guarantee companies are the choices for high-net-worth individuals. There are abundant investment and financial products, and they pay more attention to the safety of assets. Diversification is the key. Invest in conventional wealth management products and prefer risky investment. High net worth individuals should not pay attention to the thickness of money, but to the length of time, that is, how long the wealth we have can serve us.

people with an annual income of 2-5w

Generally at this stage, you can gradually start to form your own financial management style and asset allocation. This requires you in the second stage to know how to allocate assets, at the same time, to have suitable financial income for yourself, and to estimate the weighted average income you can get every year. And these technologies all come from trial and error and learning in the first order.

at this stage, with a certain amount of liquidity, you have already completed the primary allocation of real estate and transportation tools, got a loan, and even started to raise the next generation. If one operation is improper, it will lose the soldiers, so the asset allocation should be based on stability. It is recommended to focus on low and medium risks, and pay attention to protecting money and protecting capital. Ba Shen's famous saying: the first one guarantees the principal, the second one guarantees the principal, and the third one still guarantees the principal. Say the important things three times.

and the strategy is, don't put eggs in one basket, and spread risks, which is the key to capital preservation. Secondly, the allocation ratio of medium and low-risk products should be appropriately increased, bank wealth management and national debt can be relatively increased, and stock futures index should be reduced, but it should also be properly allocated. At the same time, self-protection construction should be strengthened and accident insurance and critical illness insurance should be added.

at this stage, the class with annual income above 5W

has taken a step towards initial financial freedom, even if it is properly operated, it can achieve initial financial freedom. In addition to ensuring normal living expenses and emergency use of money, it is suggested that we can consider choosing private equity funds and online loan investment to further expand our wealth upgrade.

different people have different opinions about investment and financial management, but the idea and concept of asset allocation are very important. Asset allocation is not a game for the rich, and it is not just something that the rich need to consider. Most working-class people, as long as they choose the right way and stable management institutions, can also realize the appreciation of their wealth. No matter from now on or in the long run, rational asset allocation is the most correct way to upgrade their wealth, no one!

People are the root of everything. Remember, the best investment in the future is yourself.