Family financial management involves a wide range, not only to consider family life consumption, family security, pension and so on. , but also consider the preservation and appreciation of family assets. Family financial management is much more complicated than expected. To this end, you should also know how to use various skills about family financial management and the golden section method of family financial management, which can help you! Family financial management should not be carried out blindly. Financial planners suggest that, generally speaking, there are elderly people at home and family responsibilities are great. Financial management should be based on stability as far as possible, and the golden section method of family financial management can be adopted to rationally allocate family assets:

30%- investment that can be realized at any time

Investment methods: bank savings, money funds and "treasure" products (Yu 'ebao, Licaitong, etc.). ).

First of all, we should have a clear understanding of our family's assets, and then make a reasonable plan. Take out 30% assets to invest in cash at any time. This part of the investment is basically risk-free, but the expected annualized expected return is also low. It can be realized at any time or easily, and can meet the urgent needs of various family emergencies in time, which is what financial planners often call "family reserve fund". Generally speaking, this part of the funds is the daily expenses of the family for 3-6 months.

40%-a sure-fire investment.

Investment methods: national debt, family insurance, fixed expected annualized expected income wealth management products.

40% of the assets can be used for investment, with no loss. The first consideration is to protect the capital, and make a steady profit without losing money. You can choose some investment methods with stable expected annualized income, such as national debt, which is the preferred financial management method for families. There is almost no risk, and the expected annualized expected return is stable, but the expected annualized expected return is low and takes a long time. Secondly, we should attach importance to family insurance and strengthen family security. The principle of buying insurance is to give priority to those who are the main source of income for the family. This part of the "investment" may only be a short-term "payment", but in case the family encounters a major disease or disaster, the insurance products purchased can help tide over the "difficulties", so in the long run, it is also an "investment"; Finally, you can choose some wealth management products with fixed expected annualized expected income, and the expected annualized expected income is stable.

30%- Value-added investment of idle money

Investment methods: real estate, stocks, bonds, futures, structured wealth management products.

This part of the investment funds, preferably idle money that will not be used for 3-5 years, can be used for some high-risk investments and the income will be higher. You can find some investment channels, such as real estate investment, stocks, bonds, futures, structured wealth management products and so on. And use spare money to realize the appreciation of family assets and make more preparations for future needs.